Compare USAA vs. Titan Insurance

Two fierce competitors in the insurance world are USAA and Titan. Both companies have their pros and cons. Titan provides flexible payment plans and many discounts but only allows customers to file claims over the phone.

USAA has high customer satisfaction scores due to their customer service. But they only provides insurance to military personnel and their family. Still, both of these companies have superior financial strength ratings and excellent J.D. Power rankings.

So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  USAA Titan
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Titan
  • You want many discounts and flexible payment plans
Worst If USAA
  • You are not in the military, and do not have a parent who served
Titan
  • You want to file a claim online (you can only file claims by phone with Titan)

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like USAA and Titan. QuoteWizard is an independent company that helps you find the right policy at the best rate.

Find The Best Rates For Your Policy

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Special Car Insurance Discounts

USAA Titan
USAA Titan

Association Membership.

This discount is granted to customers who are active members of any club recognized by Titan.

The Advance Quote Discount.

This is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount.

This helps save money when you your add farm vehicles to your auto insurance policy.

Travelink Discount.

This applies only to collision coverage and vehicles owned by employees with employers in approved traffic relief programs. Annual recertification is required.

EFT Discount.

This saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

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

Consumer Complaint Data

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

U.S. Auto Insurance Shopping Study (2016)

USAA Car Insurance Titan 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 Average
Insurer Website Among the best Average

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

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

Financial Strength Ratings

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

Mobile Apps

USAA Titan
USAA

The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here

Titan

Titan Mobile

This app lets you find an agent, view your policy, pay premiums, and get instant help with a claim.

Download the app for iPhone or Android

Roadside Assistance

USAA Titan
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. 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

1 (866) 375—5374.

Titan

Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage. Roadside Assistance is an add-on to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)