Compare Allstate vs. USAA Auto Insurance in 2021
Allstate and USAA are great insurance companies that are available across the United States. Keep in mind that USAA is available only to military affiliates and their immediate family members. Allstate auto insurance provides a wider variety of discounts, but USAA auto insurance is $196 cheaper than Allstate. Compare Allstate vs. USAA auto insurance to secure more affordable rates.
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UPDATED: Mar 30, 2021
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- USAA has cheaper auto insurance rates overall
- Allstate Insurance Company has more discounts and auto insurance options
- You can get more chances to bundle with other insurance products at USAA
- Allstate’s NAIC complaint index is above average
You shopped around for insurance, and you’ve decided to compare Allstate vs. USAA auto insurance. Both companies offer a variety of auto insurance coverages, but which one is best for you?
Our Allstate vs. USAA auto insurance review explores which company is cheaper, what other insurance products are available, compares discounts, and further details that bring you closer to a confident decision.
Before you read more about Allstate vs. USAA auto insurance, see how much you could save right now. Start comparing the best companies in your area by entering your ZIP code in the free comparison tool above.
Allstate vs. USAA Auto Insurance: Which company is the cheapest?
The short answer is USAA is the more affordable company. Allstate car insurance is $407 per month on average, but USAA car insurance is $211 per month.
Although USAA is one of the best auto insurance companies in the United States, it’s only available to members of the U.S. Armed Forces and their immediate families. Allstate auto insurance quotes are available for everyone.
However, auto insurance rates vary for each person. Therefore, we’ll go through different factors that determine car insurance.
Which company is cheapest by the state?
Car insurance companies are best when they can provide services in multiple areas across the United States.
Since Allstate and USAA are known for their country-wide availability, we’ll show you Allstate vs. USAA auto insurance rates based on location.
|States||Allstate Monthly Auto Insurance Rates||USAA Monthly Auto Insurance Rates|
|District of Columbia||$539||$215|
|New Jersey||$476||Data Not Available|
|North Carolina||$599||Data Not Available|
|South Dakota||$394||Data Not Available|
Overall, USAA car insurance is less expensive than Allstate car insurance. The most expensive state for an Allstate quote is Michigan.
Which company is cheapest by age, gender, and marital status?
Have you ever wondered why auto insurance goes up when you add a teen driver? Young adult and teen drivers generate costly car insurance rates because they’re at a higher risk of getting into an accident.
What about drivers between 25 and 39 years old? Examine the auto insurance rates below to see how auto insurance is affected by age, gender, and even marital status.
|Age, Gender, and Marital Status||Allstate Monthly Auto Insurance Rates||USAA Monthly Auto Insurance Rates|
|Married 60-year-old female||$243||$121|
|Married 60-year-old male||$249||$121|
|Married 35-year-old male||$260||$128|
|Married 35-year-old female||$263||$129|
|Single 25-year-old female||$285||$166|
|Single 25-year-old male||$298||$177|
|Single 17-year-old female||$774||$401|
|Single 17-year-old male||$887||$449|
Allstate auto insurance rates are hundreds of dollars more than USAA. Senior drivers pay the least for car insurance at both insurance companies.
Which company is cheapest by driving record?
If you maintain a clean driving record, car insurance companies will issue cheaper than average premiums per month. However, traffic violations and accidents are a sure way to drive up auto insurance rates.
Let’s look at how Allstate and USAA calculate car insurance based on driving history.
|Driving Record Summary||Allstate Monthly Auto Insurance Rates||USAA Monthly Auto Insurance Rates|
|Clean Driving Record||$318||$161|
|With 1 Accident||$416||$210|
|With 1 DUI||$522||$292|
|With 1 Speeding Violation||$374||$183|
Of course, a clean driving record produces the cheapest rates for either company. However, USAA is still a more affordable company. Accidents and DUIs create the biggest jumps in cost.
Which company is cheapest by vehicle?
Your auto insurance rates can even be determined by the vehicle you drive. But there are so many make and model years out there.
What’s clear is that your car insurance will be cheaper if you want to insure an older model year. Some vehicles have more safety features than other trims so that you can save more per month just for those added perks.
Let’s look at an example.
- 2015 Ford F-150 – $369/mo at Allstate; $213/mo at USAA
- 2018 Ford F-150 – $458/mo at Allstate; $238/mo at USAA
See how car insurance rates increase when the model year is closer to the current year. However, USAA provides cheaper rates than Allstate.
Which company is cheapest by credit score?
Did you know car insurance providers look at your credit score when you buy a car insurance policy?
According to Experian, credit score correlates to the risk of filing a claim. Therefore, a good credit score is associated with fewer chances to file a claim, but poor credit correlates to a higher risk of filing a claim.
Let’s review how Allstate and USAA respond to credit scores from customers.
|Credit Score Summary||Allstate Monthly Auto Insurance Rates||USAA Monthly Auto Insurance Rates|
|Fair Credit Score (580-669)||$382||$185|
|Good Credit (670-739)||$322||$152|
|Poor Credit Score (300-579)||$541||$308|
USAA is $200 cheaper than Allstate. If you were leaning toward a more cost-efficient car insurance policy, USAA would be the best choice. But USAA isn’t available for everyone.
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What other products are available at Allstate and USAA?
Comparing Allstate vs. USAA auto insurance quotes isn’t the only important detail you should know. Always be aware of what your auto insurance company can provide for you. More insurance products can help you save money.
For example, bundling homeowners or renters insurance with your car insurance saves you about 12 percent on your policy.
Let’s compare the available products at USAA and Allstate.
|Insurance Products||Allstate Availability||USAA Availability|
|Car Purchase Financing||✘||✔|
|Collector Car Insurance||✘||✔|
|Farm And Ranch Insurance||✔||✔|
|Mobile Home Insurance||✔||✔|
|Mobile Phone Protection||✘||✔|
|Rental Property Insurance||✔||✔|
|Roadside Assistance Coverage||✔||✔|
|Small Business Insurance||✔||✔|
|Valuable Personal Property Insurance||✔||✔|
USAA has the advantage over Allstate when it comes to insurance products. However, more insurance products don’t make one company better than the other.
Which company has more auto insurance options?
A flexible auto insurance company can provide several options for your auto insurance policy. But which company offers more versatility for auto insurance? Let’s compare.
|Allstate Auto Insurance Coverages||USAA Auto Insurance Coverages|
|Collision coverage||Collision Coverage|
|Comprehensive coverage||Comprehensive Coverage|
|Bodily Injury Liability||Liability Coverage|
|Property Damage Liability||Uninsured & Underinsured Motorist Coverage|
|Uninsured & Underinsured Motorist Coverage||Full Coverage|
|Rental Reimbursement Coverage||Roadside Assistance|
|Personal Umbrella Policy||Personal Injury Protection|
|Personal Injury Protection||Rental Car Reimbursement|
|Sound System Insurance|
|Classic Auto Insurance|
|Travel Auto Insurance to Mexico|
Allstate Insurance has more car insurance options for customers than USAA Insurance. Roadside assistance (sometimes called emergency assistance) is one of the essentials of car insurance.
Today, you can access roadside assistance through mobile apps. The Allstate Mobile App is connected to “my Allstate,” which is another name for an Allstate account.
Meanwhile, you can use a USAA login to manage your USAA account from a smartphone.
Which company has more auto insurance discounts?
The best way to secure affordable Allstate and USAA auto insurance rates are discounts. Take advantage of any bargains you get from an auto insurance company – it can save you thousands per year.
What does this mean for Allstate vs. USAA car insurance rates? Let’s see how discounts stack up between Allstate and USAA.
|Auto Insurance Discount Name||Allstate Discount Values||USAA Discount Values|
|Anti-lock Brake Discount||10%||Varies|
|Anti-Theft Device Discount||10%||20%|
|Daytime Running Lights Discount||N/A||Varies|
|Defensive Driver Discount||20%||Varies|
|Driving training discount||Varies||Varies|
|Early Quote Discount||10%||N/A|
|Farm Vehicle Discount||10%||N/A|
|Good Driver Discount||10%||10%|
|Good Payer Discount||5%||N/A|
|Good Student Discount||10%||Varies|
|Low Mileage Discount||10%||Varies|
|Multiple Policy Discount||10%||9%|
|Multiple Vehicle Discount||10%||13%|
|New Car Discount||15%||Varies|
|Paid in full discount||10%||N/A|
|Paperless documents discount||Varies||N/A|
|Passive Restraint Discount||10%||15%|
|Preferred payment discount||5%||N/A|
|Senior Adult Discount||5%||N/A|
|Student Away at School Discount||5%||20%|
|Utility Vehicle Discount||Varies||N/A|
|Vehicle Storage Discount||N/A||60%|
USAA may have cheaper rates than average, but Allstate has more opportunities to save money. Try and qualify for as many discounts as possible.
You can even get a discount if your vehicle has anti-theft and certain safety features.
If you’re not sure about receiving car insurance discounts, call or email your agent using the contact info on your bill.
Allstate vs. USAA Auto Insurance: Financial Strength and Customer Satisfaction Ratings
Many pros and cons can affect your decision, but the best way to know how well a company performs is by looking at financial strength ratings and customer reviews.
Financial strength and credit rating agencies objectively grade insurance companies, showing you which companies are best with finances and credit and which are the worst.
Let’s review a few of those ratings from the top agencies in the world.
|Agencies||Allstate Ratings||USAA Ratings|
|AM Best||A+ (Excellent)||A++ (Superior)|
|Better Business Bureau (BBB)||A+||A+|
|S&P||AA- (Very Good)||AA+ (Excellent)|
|NAIC Complaint Index||0.41||1.8|
|J.D. Power - Power Circle Ratings||About Average||Among The Best|
|Apple App Store (iOS)||5 stars||4 stars|
|Google Play Store (Android)||4 stars||5 stars|
USAA has an overwhelming excellent score across the board. That doesn’t mean Allstate has scored poorly with the same agencies. It just goes to show that USAA is a financially stable company with outstanding customer reviews.
However, Allstate outperforms USAA when it comes to consumer complaint data. According to the National Association of Insurance Commissioners (NAIC), Allstate’s complaint index is lower than average. USAA, on the other hand, has a complaint index that’s higher than average.
Consumer Reports and J.D. Power disagree. J.D. Power’s 2020 Auto Insurance Satisfaction Study™ and 2020 Auto Claims Satisfaction Study™ reported that USAA had some of the best customer reviews in 2020.
Allstate vs. USAA Auto Insurance: What’s the bottom line?
USAA is the better company overall, but it’s limited to military members and their immediate families. If you’re not part of those groups, you won’t get a USAA policy.
However, you can still get an Allstate auto insurance policy. Don’t worry too much about the cost. There are several discounts you can get when you buy a policy.
Did you learn everything you need to know about Allstate vs. USAA auto insurance? When you’re unsure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from the auto insurance companies in your area.