Compare Allied vs. USAA Insurance

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Allied and USAA are two top companies in the world of auto insurance. Allied was founded in 1929, and USAA was founded in 1922. USAA has top ratings all across the board, with superior financial strength ratings, 5 out of 5 stars from J.D. Power, and one of the highest customer satisfaction scores.

Meanwhile, Allied’s strength lie in its policy add-on options and excellent claims service. However, USAA only serves military personnel and their immediate families, and Allied’s customer satisfaction ratings are subpar.

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

  Allied USAA
Best If Allied
  • You want practical and affordable insurance rates
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Allied
  • You’re looking for good customer service and as easy online payment system
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Allied USAA
Allied

Allied Extra

Bundling your home and auto insurance policies can grant you access to Allied Extra. It’s completely free and also another way to help you save money on your insurance policies. Features of Allied Extra include:

  • A single deductible
    • In the event that both your home and auto are affected, this feature allows you to only pay one deductible for a covered claim
  • Bonus emergency lockout coverage
    • If you find yourself locked out of your car, Allied Extra provides this coverage for locksmith charges
  • Bonus airbag replacement
    • Allied will pay for new airbags if yours deploy accidentally
  • Bonus accidental death benefit
    • You’ll be paid up to $10,000 in the event that you get into a fatal car accident with your insured vehicle

Allied Rewards

Allied Rewards provides you with even more discounts for your auto insurance, such as:

  • Forgiveness
    • If you’re a driver with a good driving history, Allied doesn’t see a reason to penalize you if a small accident occurs. Allied Rewards provides accident forgiveness for safe drivers.
  • Good-As-New
    • This coverage will help you pay off your loan and get a new car if your car gets totaled. To receive money to pay for a brand new vehicle, your totaled car must be three years old or younger.
  • Roadside Assistance
    • Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.
  • Deductible savings rewards
    • You can get a significant deductible just by driving safely and being a loyal Allied customer. The Total Loss Deductible Waiver also makes it so that you don’t have to pay your deductible in the event that your car is totaled.
USAA

Standard Car Insurance Discounts

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

Consumer Complaint Data

Allied Insurance USAA Car Insurance
2016 4 245
2015 4 415
2014 3 380
2013 1 270

U.S. Auto Insurance Shopping Study (2016)

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

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

Allied 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

Allied Insurance USAA Car Insurance
A.M. Best A+ A++
Moody's A2 Aaa
S&P's AA AA+

Mobile Apps

Allied USAA
Allied

The Allied Mobile App lets you access all the details of your insurance policy from your mobile device. You can use it to file or view claims, pay your premiums, connect with your agent, and contact roadside assistance. To download the app for your smartphone, click here

USAA

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

Allied USAA
Allied

Allied Rewards – Roadside Assistance

Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.

Allied Roadside Assistance covers everyone insured on your policy, regardless if the car in trouble isn't listed on the policy. Allied offers a Basic and Plus roadside package that both include Cross Country Perks, giving drivers discounts on dining, entertainment, pets, travel and more.

Plus coverage comes with trip interruption coverage that kicks in when you're more than 100 miles from home and gives you an allowance for a rental car, lodging and food.

Roadside Assistance- Basic

(costs about $10 per 6 month policy period)

  • Towing up to 15 miles
  • Gas delivery
  • Lockout service
  • Jump starts
  • Flat tires
  • Cross Country Perks

Roadside Assistance – Plus

(costs about $20 per 6 month policy period)

  • Towing up to 100 miles
  • Trip interruption coverage
  • Turn-by-turn directions
  • Pre-trip map routing
  • Gas delivery
  • Lockout service
  • Jump starts
  • Cross Country Perks

Contact Phone Number

Call the Allied Roadside Assistance hotline: 800-282-1446

USAA

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.