Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 6, 2021

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Just What's Essential

  • 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.

Allstate vs. USAA Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesUSAA 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
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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.

Allstate vs. USAA Average Annual Rates Based on Driving Record
Driving RecordAllstate Average Annual RatesUSAA Average Annual Rates
Clean record$3,819.90$1,933.68
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
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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.

Allstate vs. USAA Average Annual Rates Based on Credit History
Credit HistoryAllstate Average Annual RatesUSAA Average Annual Rates
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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.

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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.

Allstate vs. USAA Available Car Insurance Discounts
Car Insurance DiscountsAllstate (%)USAA (%)
Anti-lock Brakesxx
Claim Freex12
Continuous CoveragexN/A
Daytime Running Lightsxx
Defensive Driverx3
Distant Studentxx
Driver's Edx3
Driving Device/Appx5
Early Signingx12
Electronic Stability ControlxN/A
Family LegacyN/A10
Farm VehiclexN/A
Good CreditxN/A
Good Studentx3
Green VehiclexN/A
Life InsurancexN/A
Low Mileagexx
Military GaragingN/A15
Multiple Policies10x
Multiple Vehiclesxx
Newer Vehiclex12
Occasional OperatorN/Ax
On-Time PaymentsxN/A
Paperless DocumentsxN/A
Paperless/Auto Billingx3
Passive Restraintxx
Safe DriverN/A12
Senior Driverxx
Utility VehiclexN/A
Vehicle Recoveryxx
VIN EtchingN/Ax
Young DriverN/A$75
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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.

To dive into the specifics of each company, read our Allstate car insurance review and our USAA car insurance review.

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.