Compare USAA vs. SafeAuto Insurance

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A couple of well-known names in the insurance industry are USAA and SafeAuto. USAA was founded in 1922, and SafeAuto was founded, much later, in 1993. While, USAA provides great customer service, SafeAuto provides incredibly low insurance rates.

However, SafeAuto has a habit of prolonging the claims process and USAA only insures military members and their family. Nevertheless, both companies received an A+ rating from the Better Business Bureau.

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 Safe Auto
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Safe Auto
  • You want incredibly low insurance rates
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
Safe Auto
  • You want a quick claims process

Special Car Insurance Discounts

USAA Safe Auto
USAA Safe Auto

Standard Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance SafeAuto Insurance
2016 245 46
2015 415 82
2014 380 105
2013 270 36

U.S. Auto Insurance Shopping Study (2016)

USAA Car Insurance SafeAuto 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)

USAA Car Insurance SafeAuto 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

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

Mobile Apps

USAA Safe Auto
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

Safe Auto

The SafeAuto Mobile App lets you manage your insurance policy quickly and conveniently from your mobile device. With the app, you can pay your insurance premiums, view your insurance ID cards or policies, call customer service, and use the “Name Your Car” tool. To download the app for iPhone or Android, click here

Roadside Assistance

USAA Safe Auto
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.

Safe Auto

SafeAuto offers towing and roadside assistance as a coverage option for your auto insurance policy. With this coverage, towing services and certain repair costs will be covered so you and your car can get back on the road as soon as possible.