Allstate vs. USAA: Best Auto Insurance for 2024
In our Allstate vs. USAA auto insurance guide, we compare the two companies' average rates based on age, driving record, and credit score. Keep in mind that USAA is available only to military affiliates and their immediate family members, so its rates are cheaper than most. However, Allstate auto insurance offers a wider variety of discounts that may make them a better option, even for military members. Read now to compare rates from multiple auto insurance companies close to home.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Nov 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- Both Allstate and USAA have strong customer satisfaction and a bright financial future.
- USAA offers auto insurance only to military affiliates and their immediate family members.
- USAA auto insurance rates are generally about half that of Allstate; however, Allstate has a wider variety of discounts that keep their rates competitive.
This Allstate vs. USAA auto insurance guide will provide a wide variety of auto insurance coverage options when analyzing rates according to your unique qualities like your age, gender, marital status, driving record, and credit score.
We also include external ratings from the most trustworthy agencies and compare Allstate and USAA auto insurance discounts, coverage types, and usage-based insurance programs.
Continue reading to compare Allstate insurance and USAA insurance, or enter your ZIP code to find affordable auto insurance rates in your area.
Allstate vs USAA Auto Insurance: which is cheaper based on age?
The older we get, the more practice we have while driving. In calculating auto insurance rates, providers use age as one of the most significant variables.
In most states, it is legal to base auto insurance premiums on marital status and gender; some have banned it, however. Let’s compare auto insurance rates for Allstate and USAA based on age, gender, and marital status.
Allstate vs. USAA Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
| Age, Gender, and Marital Status | Allstate Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $9,282 | $4,808 |
| Single 17-year-old male | $10,643 | $5,386 |
| Single 25-year-old female | $3,425 | $1,989 |
| Single 25-year-old male | $3,571 | $2,126 |
| Married 35-year-old female | $3,156 | $1,551 |
| Married 35-year-old male | $3,123 | $1,540 |
| Married 60-year-old female | $2,913 | $1,450 |
| Married 60-year-old male | $2,991 | $1,449 |
USAA auto insurance rates are about half of what Allstate charges no matter your age, gender, or marital status.
Read more:
- Farmers vs. USAA: Best Auto Insurance
- Liberty Mutual vs. Nationwide: Best Auto Insurance
- GEICO vs. USAA: Best Auto Insurance
- Allstate Auto Insurance Review
- Allstate vs. American Family: Best Auto Insurance
- Progressive vs. USAA: Best Auto Insurance
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Allstate vs USAA Auto Insurance: which is cheaper based on driving record?
No matter what insurer you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your auto insurance premiums and you become a higher risk driver.
Allstate vs. USAA Average Annual Auto Insurance Rates by Driving Record
| Infraction | Allstate Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Clean record | $3,820 | $1,934 |
| With one speeding violation | $4,484 | $2,193 |
| With one accident | $4,988 | $2,516 |
| With one DUI | $6,261 | $3,506 |
Again, USAA auto insurance rates are about half of Allstate’s rates based on your driving record. But, just as important as initial rates based on driving record is how a company may penalize current customers.
Both USAA and Allstate take infractions seriously. Allstate car insurance rates increase by 17 to 64 percent as you rack up speeding tickets, cause accidents, or drive under the influence.
USAA, however, is more punitive. If you get a speeding ticket, cause an accident, or get a DUI with USAA, expect your rates to increase by 13 to 81 percent. This is in line with the USAA speeding ticket policy, which significantly impacts your premiums. Additionally, the USAA auto insurance company code number reflects how these infractions can affect your insurance rates.
Allstate vs USAA Auto Insurance: which is cheaper based on credit score?
If you undergo some sort of financial trauma, such as medical debt or going through a divorce, a good credit score will drop in a matter of months. It is legal for auto insurance providers to base premiums on your credit score in most states; however, some outlaw it along with gender and marital status dependent rates.
Auto insurance providers justify using your credit score to decide your rates because of the premise that people with higher credit scores are more responsible and that, overall, are less likely to file a claim.
Let’s take a look at how Allstate and USAA consider your rates based on your credit score.
Allstate vs. USAA Average Annual Auto Insurance Rates by Credit History
| Credit Score | Allstate Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Good Credit (670-739) | $3,860 | $1,821 |
| Fair Credit Score (580-669) | $4,581 | $2,220 |
| Poor Credit Score (300-579) | $6,491 | $3,691 |
USAA is usually going to have the best rates initially because they offer services only to military affiliates and their family members. However, USAA does take a quickly dropping credit score fairly seriously.
If you choose USAA, expect your rates to more than double if your credit score tanks. While with Allstate, however, your rates will increase by only 68 percent.
Before you judge the rates of these two companies based on credit score alone, learn about the specifications of your state’s minimum car insurance requirements and compare rates from a number of companies.
Hopefully, if you have bad credit, you live in a state that has outlawed basing rates on credit scores.
Readmore: Military Auto Insurance
Does Allstate or USAA have better auto insurance discounts?
Discounts from car insurance providers vary widely, and they are typically focused on the principles and ideology of a company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.
Allstate vs. USAA Auto Insurance Discounts
| Discounts | Allstate Discounts Offered and Percentage | USAA Discounts Offered and Percentage |
|---|---|---|
| Anti-lock Brakes | 10 | n/a |
| Anti-Theft | 10 | n/a |
| Claim Free | 35 | 12 |
| Daytime Running Lights | 2 | n/a |
| Defensive Driver | 10 | 3 |
| Distant Student | 35 | n/a |
| Driver's Ed | 10 | 3 |
| Driving Device/App | 20 | 5 |
| Early Signing | 10 | 12 |
| Electronic Stability Control | 2 | n/a |
| Family Legacy | n/a | 10 |
| Farm Vehicle | 10 | n/a |
| Full Payment | 10 | n/a |
| Garaging/Storing | n/a | 90 |
| Good Student | 20 | 3 |
| Green Vehicle | 10 | n/a |
| Military Garaging | n/a | 15 |
| Multiple Policies | 10 | n/a |
| Newer Vehicle | 30 | 12 |
| On Time Payments | 5 | n/a |
| Paperless Documents | 10 | n/a |
| Paperless/Auto Billing | 5 | 3 |
| Passive Restraint | 30 | n/a |
| Safe Driver | 45 | 12 |
| Senior Driver | 10 | n/a |
| Utility Vehicle | 15 | n/a |
| Vehicle Recovery | 10 | n/a |
| Young Driver | n/a | $75 |
Allstate has a much wider variety of auto insurance discounts than what USAA has to offer, so, even if you are affiliated with the military, you may be able to save just as much with Allstate once you layer on discounts.
You can save 20 to 45 percent with Allstate if you are a safe driver, claim-free, a good student, a distant student, or your car has air bags and is a newer model.
The highest discount you can get with USAA is 90 percent-however, that discount is reserved for military members that are deployed and need to store their vehicle while they are out of the country.
The discounts provided by auto insurance providers also target particular categories of drivers, so be sure to inquire if there are any extra discounts when you get your USAA and Allstate quotes.
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What types of auto insurance coverages are offered by Allstate and USAA?
Since both Allstate and USAA are two of the 10 companies that make up the majority of the auto insurance market share, they have the means to provide a broader range of coverages for auto insurance that go beyond the six standard coverages mentioned below. Before buying each one, make sure you understand your options in auto insurance coverage.
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does Allstate or USAA have better auto insurance mobile apps?
In the last decade or so, usage-based auto insurance has become an individualized standard, and all of the larger auto insurance providers have a driving app you can install into your car or uses telematic mechanisms in your smartphone.
A more general app is also offered by major auto insurance providers to allow you to access your policy, make adjustments, and pay your bill. Usually, in both the general app and the driving app, your Allstate insurance login or USAA login would be the same.
Read more about each of these companies’ usage-based auto insurance programs in our Allstate auto insurance review and our USAA auto insurance review.
How does Allstate and USAA auto insurance compare in financial strength and customer satisfaction?
It is a major financial commitment to buy car insurance, so you want to be sure you are choosing the right company that will have your back when you need it.
Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.
Insight into these factors is provided by the following three agencies:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
https://www.consumerreports.org/cro/index.htm collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and the USAA claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on total number of customers against total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
Let’s take a closer look at ratings from credible third-party agencies for Allstate and USAA.
Allstate vs. USAA Company Ratings
| Consumer Reports |  |  |
|---|---|---|
| AM Best Rating | A+ | A++ |
| Consumer Reports | 88 | 95 |
| NAIC Company Complaint Ratio | 0.5 | 0.74 |
| NAIC Total Complaints | 163 | 296 |
Both Allstate and USAA are highly rated when it comes to their financial history and futures. Customers that go through the claims process are much more satisfied with USAA than Allstate; however, an 88 is still a very strong score. Both companies manage their complaints well.
Ready to buy auto insurance? When you’re not sure 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.
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Frequently Asked Questions
Does Allstate cover DUI accidents?
Yes, Allstate does provide coverage for DUI accidents. However, having a DUI on your record will likely result in higher premiums and could impact your ability to get coverage.
Does Allstate offer a military discount?
No, Allstate Insurance does not have a specific Allstate military insurance discount. However, they offer various discounts based on factors like safe driving and bundling policies. For those seeking the best auto insurance for military members, it might be worth exploring other options that cater specifically to their needs.
Does car insurance go down at 25 with USAA?
Yes, with USAA, car insurance rates typically decrease at age 25, as this age is linked with reduced risk. USAA’s auto insurance for 25 year olds generally offers better rates, reflecting the accumulated driving experience. Additionally, USAA provides a rental car discount, and you might find more favorable USAA vehicle rates as you reach this milestone.
Does USAA cover boats?
Yes, USAA offers coverage for boats, including liability, physical damage, and other related coverages.
Does USAA cover Uber drivers?
Yes, USAA provides coverage for Uber drivers, but it’s essential to check with them for specifics on rideshare coverage and any additional requirements.
Does USAA offer Gap insurance?
Yes, USAA offers Gap insurance, which covers the difference between the amount owed on a car loan and the car’s actual cash value in the event of a total loss.
Does USAA offer mechanical breakdown insurance?
Yes, USAA provides mechanical breakdown insurance, which assists in covering repair expenses for mechanical issues not included in a standard warranty. This coverage is available as part of USAA auto insurance, and the average cost of USAA auto insurance can be influenced by factors such as mechanical breakdown insurance and USAA auto rates.
Does USAA use credit scores for insurance rates?
Yes, USAA utilizes credit scores to set insurance rates, with higher credit scores typically linked to lower average USAA auto insurance rates. This practice reflects the belief that better credit scores are associated with lower risk, influencing USAA auto insurance coverage decisions
Is Allstate cheaper than Geico?
Geico is often cheaper than Allstate for many drivers, particularly those with good driving records and credit scores. However, rates can vary based on individual circumstances.
How can I go paperless with USAA?
To go paperless with USAA, log in to your account online or via the mobile app, and adjust your communication preferences to opt for electronic statements and notices.
How does USAA compare to other insurance companies?
USAA is highly rated for its customer service, competitive rates, and coverage options compared to other insurance companies, especially for military families and veterans.
Is Allstate cheaper than Progressive?
Allstate and Progressive offer competitive rates, but one may be cheaper than the other depending on your specific profile, including driving history and credit score.
Is Geico better than USAA?
Geico and USAA both have strong reputations, but Geico may offer more competitive rates for general consumers, while USAA is known for excellent service and discounts for military members.
Is USAA auto insurance cheap?
USAA auto insurance is generally considered affordable, particularly for military members and their families, thanks to its competitive rates and discounts.
Is USAA auto insurance cheaper than Geico?
USAA is often cheaper than Geico for military members and their families, but Geico may offer lower rates for the general public depending on individual circumstances.
Is USAA auto insurance only for military members?
Yes, USAA auto insurance is primarily available to active duty military members, veterans, and their families.
What discounts does USAA offer for auto insurance?
USAA offers various discounts, including those for safe driving, bundling policies, and low mileage, among others.
What types of insurance does USAA offer?
USAA offers a range of insurance types, including auto, home, renters, life, and health insurance.
Who qualifies for USAA auto insurance?
USAA auto insurance is available to active duty military members, veterans, and their immediate family members, including spouses and children.
What are the requirements for Allstate’s good student discount?
To be eligible for Allstate student car insurance discount, students generally need to keep a B average or above. Typically, they will need to provide proof of their academic performance, such as a report card or transcript.
Does Allstate offer a senior discount?
Yes, Allstate offers a senior discount for drivers who are 55 or older and have completed an approved defensive driving course. The discount amount may vary based on location and other factors. In the context of USAA auto insurance competition, it’s worth noting that USAA auto insurance discounts for seniors may also be available and could be considered when evaluating options.
How does Progressive home insurance compare to Allstate’s?
Progressive and Allstate both offer competitive home insurance policies with various coverage options. Progressive may offer more customizable options and discounts based on bundling policies, while Allstate provides extensive coverage options and additional perks such as claim-free rewards and accident forgiveness.
How does USAA’s car rental coverage compare to others?
USAA’s car rental coverage provides reimbursement for rental car costs if your vehicle is in the shop due to a covered claim. This coverage typically offers competitive rates and may be more affordable compared to other insurers.
What does USAA’s auto warranty cover?
USAA’s auto warranty, or vehicle service contract, covers repair costs for mechanical failures not covered by the manufacturer’s warranty. Coverage levels and specifics vary, so it’s essential to review the details of each plan.
Does USAA offer car insurance for family members?
Yes, USAA offers car insurance for family members of military personnel, including spouses and children. Eligibility for coverage depends on the relationship to the military member and other qualifying criteria.
What are USAA’s vehicle loan rates?
USAA offers competitive vehicle loan rates for new and used cars, with rates varying based on the loan term, vehicle type, and the borrower’s credit profile. For the most accurate rates, check directly with USAA or use their online loan calculator.
How does USAA homeowners insurance compare to State Farm’s?
USAA homeowners insurance generally provides comprehensive coverage with competitive rates, especially for military families. State Farm also offers robust coverage options with various discounts and customer service features. Comparison depends on individual needs and preferences.
What is the USAA legacy discount?
The USAA legacy discount is a discount offered to family members of current or former USAA members. It acknowledges the long-standing relationship with USAA and provides savings on various insurance products.
What does USAA’s mechanical breakdown insurance cover?
USAA’s mechanical breakdown insurance covers repair costs for mechanical failures and parts replacements not covered by a manufacturer’s warranty. It typically includes coverage for labor and parts, with some plans offering additional benefits.
How can I update my USAA auto policy?
To update your USAA auto policy, you can log in to your USAA account online or use the USAA mobile app. Alternatively, you can contact USAA customer service by phone to make changes to your policy.
How does 21st Century insurance compare to Allstate’s?
21st Century and Allstate both provide a range of auto insurance products with varying levels of coverage. Allstate generally offers a broader range of coverage options and discounts, while 21st Century may offer lower rates and simplified coverage plans.
What is USAA’s AM Best rating?
USAA has received high ratings from AM Best, typically rated A++ (Superior), reflecting its strong financial stability and ability to meet insurance obligations. For the latest rating, check AM Best’s website or USAA’s official resources.
How does Nationwide insurance compare to Allstate’s?
Nationwide and Allstate offer competitive insurance products with various coverage options and discounts. Nationwide may provide lower rates and a range of customizable options, while Allstate offers extensive coverage options and additional perks.
How does Nationwide insurance compare to USAA’s?
Nationwide and USAA both offer comprehensive insurance coverage. USAA often provides better rates for military members and their families, while Nationwide may offer more flexible coverage options and discounts for a broader audience.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.