Compare AIG vs. USAA Insurance


Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

AIG and USAA are both well-known companies in the insurance industry. AIG was founded in 1919, and USAA was founded in 1922. While AIG offers a wide selection of insurance products and a fast pay-out system, USAA has one of the highest customer service scores and a wide variety of driver discounts. In fact, all across the board, USAA’s ratings are top-notch: from the Better Business Bureau, to financial rating services like A.M. Best, USAA received top ratings for its excellent service and smooth claims process.

However, it’s one drawback is that it is only available to military personnel and their immediate families, and AIG is known for having low customer service ratings.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

Best If AIG
  • You want a wide selection of insurance products
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts


AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 


Standard Car Insurance Discounts

Bundling Coverage Discounts AIG USAA
Home and Car
Car and Life
Vehicle Type and Safety Features AIG USAA
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AIG USAA
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AIG USAA
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances AIG USAA
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AIG USAA
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AIG Insurance USAA Car Insurance
2016 11 245
2015 29 415
2014 22 380
2013 17 270

U.S. Auto Insurance Shopping Study (2016)

AIG Insurance USAA Car Insurance
Overall Purchase Experience Among the best
Policy Offerings Among the best
Pricing Among the best
Local Agent --
Call Center Representative Among the best
Insurer Website Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

AIG Insurance USAA Car Insurance
Overall Satisfaction Among the best
First Notice of Loss Among the best
Service Interaction Average
Appraisal Among the best
Repair Process Above average
Rental Car Experience Among the best
Settlement Among the best

Financial Strength Ratings

AIG Insurance USAA Car Insurance
A.M. Best A- A++
Moody's A1 Aaa
S&P's A+ AA+

Mobile Apps


The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance


USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.