Allstate vs. USAA Auto Insurance (2021)

Comparing Allstate vs. USAA auto insurance rates shows that USAA insurance is cheaper based on age, driving record, and credit score. However, USAA is available only to military members and families. External ratings of Allstate vs. USAA auto insurance companies reveal both have A+ scores or higher from A.M. Best.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 28, 2021

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Things to Remember

  • Both Allstate and USAA have strong customer satisfaction ratings and a bright financial future
  • USAA only offers auto insurance to military affiliates and their immediate family members
  • USAA auto insurance rates are generally about half those of Allstate; however, Allstate has a wider variety of discounts that keep its rates competitive

You probably know the basics about auto insurance now that you’ve landed here ready to compare two great contenders, USAA vs. Allstate. Read now to choose the auto insurance company that will have your back when you need it.

A comparison of Allstate vs. USAA auto insurance companies shows that both are on the list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?

Before we compare affordable USAA vs. Allstate auto insurance coverage, enter your ZIP code above and start comparing free insurance quotes from companies in your area.

USAA vs. Allstate auto insurance: Which is cheaper based on age?

Generally, the older we get, the more practice we have with driving. When calculating auto insurance rates, companies use age as one of the most significant variables.

In most states, it is legal to base auto insurance rates on marital status and gender; some have banned this practice, however. Let’s compare USAA vs. Allstate auto insurance quotes based on age, gender, and marital status.

Allstate vs. USAA Average Annual Auto Insurance Rates by Age
Age, Gender, and Marital StatusAllstate Average Annual RatesUSAA 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
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USAA auto insurance rates are about half of what Allstate charges no matter your age, gender, or marital status.

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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 rates, as these infractions make you look like a high-risk driver.

Allstate vs. USAA Average Annual Auto Insurance Rates by Driving Record
InfractionAllstate Average Annual RatesUSAA 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
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Again, USAA insurance rates are about half those of Allstate based on your driving record. However, it’s important to also look at how a company may penalize current customers.

Both USAA and Allstate take infractions seriously. Allstate auto insurance rates increase by 17% to 64% 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%.

Allstate vs. USAA auto insurance: Which is cheaper based on credit score?

Auto insurance companies justify using your credit score to decide your rates based on the premise that people with higher credit scores are more responsible and less likely to file a claim.

Let’s take a look at how Allstate and USAA might set your rates based on your credit score.

Allstate vs. USAA Average Annual Auto Insurance Rates by Credit History
Credit ScoreAllstate Average Annual RatesUSAA 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
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USAA is usually going to have the best rates initially because this company is designed to offer discounted services to military 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. With Allstate, however, your rates will increase by only 68%.

Be aware that while it is legal for auto insurance companies to base rates on your credit score in most states, some have banned this practice along with gender and marital status dependent rates. Look into your state insurance laws before you start shopping for auto insurance.

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Does Allstate or USAA have better auto insurance discounts?

Each company has its selling point, and sometimes that comes down to who has the best auto insurance discounts that apply to your specific situation.

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
DiscountsAllstate Discounts Offered and PercentageUSAA Discounts Offered and Percentage
Anti-lock Brakes10N/A
Anti-Theft10N/A
Claim Free3512
Daytime Running Lights2N/A
Defensive Driver103
Distant Student35N/A
Driver's Ed103
Driving Device/App205
Early Signing1012
Electronic Stability Control2N/A
Family LegacyN/A10
Farm Vehicle10N/A
Full Payment10N/A
Garaging/StoringN/A90
Good Student203
Green Vehicle10N/A
Military GaragingN/A15
Multiple Policies10N/A
Newer Vehicle3012
On Time Payments5N/A
Paperless Documents10N/A
Paperless/Auto Billing53
Passive Restraint30N/A
Safe Driver4512
Senior Driver10N/A
Utility Vehicle15N/A
Vehicle Recovery10N/A
Young DriverN/A$75
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Allstate has a much wider variety of auto insurance discounts than USAA has to offer; so, even if you’re affiliated with the military, you may be able to save just as much with Allstate once you layer on the discounts.

You can save 20% to 45% with Allstate if you’re a safe driver, claim-free, a good student, a distant student, or if you have a newer model car with airbags.

The highest discount you can get with USAA is 90%; however, that discount is reserved for military members who are deployed and need to store their vehicles while they are out of the country.

The discounts offered by auto insurance companies also target particular categories of drivers, so be sure to ask 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 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 beyond the six standard coverages below:

  • 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 close look at any specialty coverages you might need, such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for recreational vehicles such as ATVs or boats.

Do your research before buying any type of auto insurance coverage so you know you’re adequately covered. If you are an existing Allstate or USAA customer and need to make changes to your policy, call the Allstate or USAA customer service number.

Does Allstate or USAA have better auto insurance mobile apps?

In the last decade or so, usage-based auto insurance has become an industry standard, and all of the larger auto insurance companies have an app for your phone or a telematics device you can install in your car to get a discount for safe driving.

A more general app is also offered by major auto insurance companies 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.

How do Allstate and USAA auto insurance compare in financial strength and customer satisfaction?

It’s a major financial commitment to buy auto insurance, so you want to be sure you’re 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 complaints 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++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and the USAA claims process, step by step.

In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.

In 2017, the national average complaint ratio was one. The lower the ratio, the better. Let’s take a look at ratings from credible third-party agencies for Allstate and USAA.

Allstate vs. USAA Company Ratings
Consumer ReportsAllstateUSAA
AM Best RatingA+A++
Consumer Reports8895
NAIC Company Complaint Ratio0.50.74
NAIC Total Complaints163296
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Both Allstate and USAA are highly rated when it comes to financial history and future.

Customers that go through the claims process are much more satisfied with USAA than Allstate; however, Allstate’s 88 is still a very strong score. Both companies manage complaints well.

Before you decide whether to buy Allstate vs. USAA auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.

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