Allstate vs. USAA Car Insurance for 2021
When comparing Allstate vs. USAA, USAA car insurance is cheaper. However, USAA is only available to the military, veterans, and their families. USAA has a higher A.M. Best rating than Allstate, but Allstate has a higher BBB rating. Allstate scores average for customer satisfaction, and USAA scores among the best. Take advantage of multiple discounts when you compare Allstate vs. USAA car insurance rates.
Free Car Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Aug 6, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
- USAA car insurance is cheaper than Allstate car insurance
- USAA also has a higher A.M. Best rating than Allstate, but Allstate has a higher Better Business Bureau rating
- USAA auto insurance is only available for the military, veterans, and their families
There are so many car insurance options out there, it can be difficult to make a decision. In this short guide, we’ll compare Allstate vs. USAA car insurance companies head to head.
Compare rates, discounts, and ratings to see which company can offer the most affordable car insurance for your situation.
However, you don’t have to keep your options limited to just Allstate vs. USAA. Many companies can offer you great coverage at low rates.
Keep reading to compare Allstate vs. USAA car insurance. Enter your ZIP code now to compare free car insurance quotes from companies near you.
Is Allstate or USAA car insurance cheaper?
One of the most important factors to look at when choosing car insurance is cost. While your rates are determined by many different things, the most common factors are your age, gender, driving record, and credit history.
Let’s compare Allstate vs. USAA car insurance rates in these categories to see which one is cheaper. However, remember that USAA is only available to military members and their families.
First, we’ll look at average annual Allstate and USAA car insurance rates based on age, gender, and marital status.
|Age, Gender, and Marital Status||Allstate Average Annual Rates||USAA Average Annual Rates|
|Single 17-year-old female||$3,424.87||$4,695.06|
|Single 17-year-old male||$10,642.53||$5,225.88|
|Single 25-year-old female||$3,424.87||$1,913.08|
|Single 25-year old male||$3,570.93||$2,119.73|
|Married 35-year-old female||$3,156.09||$1,484.88|
|Married 35-year-old male||$3,123.01||$1,482.91|
|Married 60-year-old female||$2,913.37||$1,395.84|
|Married 60-year-old male||$2,990.64||$1,400.76|
USAA car insurance is cheaper for all ages except 17-year-old females.
Next, we’ll look at how your driving record affects car insurance rates. If you have accidents, tickets, or DUIs on your record, expect to pay significantly more.
|Driving Record||Allstate Average Annual Rates||USAA Average Annual Rates|
|With 1 accident||$4,987.68||$2,516.24|
|With 1 DUI||$6,260.73||$3,506.03|
|With 1 speeding violation||$4,483.51||$2,193.25|
USAA is the cheaper option, regardless of whether you have a clean driving record or not.
Finally, let’s look at how your credit score impacts your rates. The theory is that if you have a higher credit score, you are less likely to file a claim and more willing to pay for damages yourself.
|Credit History||Allstate Average Annual Rates||USAA Average Annual Rates|
Once again, Allstate is more expensive regardless of your credit score. Keep in mind that some states, like Michigan, don’t allow insurance companies to use your credit score to calculate your rates.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Does Allstate or USAA offer more car insurance discounts?
Car insurance discounts are an easy way to find affordable Allstate vs. USAA car insurance. Most companies offer a variety of discounts, so there’s something for everyone.
This table shows you the discounts offered by both Allstate and USAA. If the amount of the discount is known, it is noted. Take a look to see which company offers more discounts that you might be eligible for.
|Car Insurance Discounts||Allstate (%)||USAA (%)|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x||N/A|
While Allstate and USAA offer many of the same discounts, there are some differences. Allstate, for example, offers a continuous coverage discount, but USAA does not have that discount. USAA, on the other hand, offers a loyalty discount, but Allstate does not.
As you compare Allstate vs. USAA car insurance quotes, make sure you take into consideration the discounts that might lower those rates even more.
How do Allstate vs. USAA compare in financial strength and customer satisfaction?
A.M. Best rates companies on financial stability. Allstate received an A+ rating, and the USAA insurance company received an A++. This means that both companies have a superior ability to meet their financial obligations, although USAA did score a little higher.
When it comes to the Better Business Bureau (BBB), Allstate scored an A+, while USAA scored an A-. Neither company is accredited.
Companies are scored on customer satisfaction by J.D. Power. In most regions, Allstate scored average, and USAA scored above average.
Allstate vs. USAA: The Bottom Line
Allstate and USAA both offer affordable car insurance with great discounts and ratings. However, USAA is only available to the military, veterans, and their families.
Both companies offer access to quotes and account information online and through their mobile apps.
While you can get an Allstate quote online or with a local agent, you can also call the USAA quote number at (800) 531-8722. That is also the general USAA auto insurance phone number.
Filing claims with Allstate or USAA is also easy. You can file online, on the app, or by speaking with customer service. The Allstate claims phone number is (800) 669-2214, and the USAA number is (800) 531-8722.
Both Allstate and USAA offer many other products and services, such as roadside assistance. Other Allstate benefits include renters insurance and identity theft protection. USAA GAP insurance and mortgage loans are available, just to name a few.
Many factors come into play when you are deciding whether to buy Allstate vs. USAA car insurance. If neither of these companies is right for you, compare rates and ratings of other companies to get your best deal.
We hope you’ve learned all you need to know about Allstate and USAA car insurance companies. Enter your ZIP code now to compare free car insurance quotes from multiple companies in your area.