American Family vs. USAA Auto Insurance Review 2024 (Compare Rates & Reviews)

If you’re searching for a new insurer, we’ll simplify the process by focusing on American Family vs. USAA, discussing average USAA auto insurance rates and how they compare on the car insurance rating scale to find better insurance than USAA.

If you’d like to learn more about American Family Insurance’s rates and discounts, read our American Family review. Keep in mind, it won’t cover American Family Care, which is a separate urgent care facility.

USAA vs. American Family: Which is better? Compare them now by entering your ZIP code into our tool above.

American Family vs. USAA: Comparing Costs

When you start off comparing insurers, you probably want to start with what is most important, right? Let’s take a look at a table that shows the average annual auto insurance premiums not only for American Family and USAA but for all of the main insurers. Dive deeper into our “Allstate vs. USAA: Best Auto Insurance” for a comprehensive understanding.

Imported from Manual Input

Insurance Company	Average Annual Rates
	$2,539.87
	$3,213.97
	$3,269.80
	$3,544.37
	$3,449.80
	$4,018.46
	$4,166.22
	$4,462.02
	$4,896.81
	$6,058.57

As you can see, of the 10 companies shown, American Family is cheaper than five of its competitors. These are Progressive, Farmers, Travelers, Allstate, and Liberty Mutual.

So, it’s towards the middle of the line. How did USAA do? It turns out that USAA is cheaper than all of its main competitors. In fact, the next cheapest, Geico, is almost $700 more expensive.

It’s safe to say USAA wins in terms of pricing. Let’s move on to see how they did in terms of discounts. Expand your understanding with our “Progressive vs. USAA Auto Insurance.”

American Family vs. USAA: Comparing Better Discounts

If you learn anything from us, let it be how important discounts are when trying to decrease your premiums. Auto insurers offer a ton of them so when you’re assigned an insurance representative, ask away. Find out more by reading our “Auto Insurance Rates by State.“

Let’s take a look at a table that will show a vast amount of discounts available from these insurers.

American Family vs. USAA: Auto Insurance Discounts Available by Company and Discount Amount

As you can see, of the 63 listed discounts, American Family offers only three. USAA did much better with 14 offered discounts. What’s even better is that a lot of these discounts are as simple as typing in your USAA login on the app.

Be sure to read our USAA insurance review to learn more about all this company has to offer. Let’s now wrap up with company reviews for USAA Insurance and American Family.

American Family vs. USAA Insurance Reviews

One last thing to look out for is company ratings bestowed by A.M. Best and the Better Business Bureau (BBB). These ratings can help reassure a consumer that a life insurance company is and will be financially strong. Gain insights by reading our article titled “American Family vs. State Farm: Best Auto Insurance.”

The Better Business Bureau’s rating scale goes up to A+. As of this time, American Family has the next rating below, an A, and is not currently BBB accredited. USAA has the next rating down, an A-, and is not Better Business Bureau accredited.

A.M. Best has a rating scale that goes from the upper end of A++ down to the lowest rating of D. American Family has the third-highest rating of A. USAA, however, has the best rating possible of A++.

A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR). Whereas their Financial Strength Ratings are about an insurer’s financial strength as well as its ability to meet ongoing policy and contractual obligations, a Long-Term ICR is focused on the future.  A Long-Term ICR can be issued on a long-term basis or short-term basis. For further details, consult our article named “Progressive vs. USAA Auto Insurance.“

This scale goes from the high end of “aaa” (Exceptional) down to the low end of “c”.  It’s a little confusing, so the scale goes like this: “aaa”, “aa”, “a”, “bbb”, “bb”, “b”, “ccc”, “cc”, “c”.  A company can also score notches in their ratings, i.e. “aa+”.

American Family score an A.M. Best Long-Term Issuer Credit Rating of “a+”.  How did USAA do in terms of Long-Term ICR? They received the best possible rating of “aaa”.

So, American Family is more well-reviewed by the BBB while USAA is more well-reviewed by A.M. Best. All in all, you have two great options here. Learn more about our “Travelers vs. USAA: Best Auto Insurance” for a broader perspective.

Don’t let your insurer comparison stop here with American Family vs. USAA. Type your ZIP code into our free and helpful tool below to find affordable auto insurance quotes in your area.