Compare USAA vs. American Family Insurance

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USAA and American Family are both top companies in the world of insurance. USAA was founded in 1922, and American Family was founded in 1927. American Family was rated the #6 auto insurer for 2016, and USAA has ratings all across the board to match the competition. USAA offers excellent benefits and customer service to its consumers, and has incredibly high financial strength and J.D. Power ratings.

On the flip side, American Family is well-liked for its additional coverage options and reliable agents. However, USAA is only offered to military personnel and their immediate families, and American Family has issues with responding and resolving consumer complaints.

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

  USAA American Family
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
American Family
  • You want many discount options or additional coverage
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

Special Car Insurance Discounts

USAA American Family
USAA American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

Standard Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance American Family Car Insurance
2016 245 33
2015 415 32
2014 380 18
2013 270 9

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

USAA American Family
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

American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

Roadside Assistance

USAA American Family
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.

American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).