Compare Allstate vs. USAA Insurance

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USAA and Allstate are both excellent insurance companies in the U.S. USAA was founded in 1922, and Allstate was founded shortly after in 1931. Although USAA only offers its service to members of the military and their families, it has exceptional ratings and reviews. It offers a wide range of discounts, has superior financial strength scores, and had above-average ratings from J.D. Power, rating among the best for customer satisfaction.

Allstate also has many driver discounts, but its financial strength ratings and customer satisfaction ratings are lower than those of USAA. In fact, USAA has all the highest ratings possible from financial services like A.M. Best, Moody’s and Standard and Poor’s. 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

  Allstate USAA
Best If Allstate
  • You want easy, online tools to access your account
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Allstate
  • You're looking for reasonably priced premiums
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Allstate USAA
Allstate USAA

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate USAA
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate 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 Allstate USAA
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate USAA
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate USAA
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate USAA
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance USAA Car Insurance
2016 322 245
2015 460 415
2014 569 380
2013 530 270

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Allstate Insurance USAA Car Insurance
A.M. Best A+ A++
Moody's Aa3 Aaa
S&P's AA- AA+

Mobile Apps

Allstate USAA
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app 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

Allstate USAA
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
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.