Compare USAA vs. Foremost Insurance

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Foremost and USAA are two top companies in the auto insurance industry. Foremost was founded in 1952, and USAA was founded in 1922. USAA has superior ratings all across the board, with top financial strength ratings, 5 out of 5 stars from J.D. Power, and one of the highest customer satisfaction ratings in the insurance business. Meanwhile, Foremost has excellent financial strength ratings and friendly customer service, as well as a wide range of products and discounts. However, Foremost has a slow claims process and high premiums, and USAA only offers its services to military personnel and their immediate families. 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 Foremost
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Foremost
  • You want a variety of coverage options
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
Foremost
  • You want a fast claims and pay-out process

Special Car Insurance Discounts

USAA Foremost
USAA Foremost

Standard Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance Foremost Car Insurance
2016 245 65
2015 415 98
2014 380 87
2013 270 97

U.S. Auto Insurance Shopping Study (2016)

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

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

USAA Car Insurance Foremost 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 Average
Settlement Among the best Average

Financial Strength Ratings

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

Mobile Apps

USAA Foremost
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

Foremost

Roadside Assistance

USAA Foremost
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.

Foremost

Foremost Towing and Roadside Service Coverage

With the additional Towing and Roadside coverage will get you roadside service on covered vehicles, but could be subject to a maximum policy limit.

Foremost offers towing and other roadside services to its customers. It also will cover any roadside costs for you subject to a maximum limit on your auto policy.

Services Covered

  • Towing
  • Battery service
  • Tire change
  • Gas delivery

Contact Phone Number

You can call Foremost 24-Hour Roadside Assistance at 1 (800) 554-6678.