AAA and USAA are top companies in the insurance world. AAA was ranked fifth among top auto insurers of 2015. And USAA has comparably strong ratings to match it. USAA has impressive financial strength and J.D. Power ratings as well as excellent customer service and a wide discount selection. AAA also offers a variety of auto discounts plus additional discounts for hotels, restaurants, and more.
However, AAA has trouble being on time when it comes to roadside incidents, and USAA’s main drawback is that it serves only military personnel and their immediate families.
So which one offers the discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:
Comparing quotes is the best way to get your lowest rates from top insurers like AAA and USAA. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | AAA | USAA |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | AAA | 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 | AAA | USAA |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | AAA | USAA |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | AAA | USAA |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | AAA | USAA |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| AAA Car Insurance | USAA Car Insurance | |
|---|---|---|
| 2016 | 245 | |
| 2015 | 415 | |
| 2014 | 380 | |
| 2013 | 270 |
| AAA Car Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Among the best |
| Policy Offerings | Average | Among the best |
| Pricing | Average | Among the best |
| Local Agent | Average | -- |
| Call Center Representative | Above average | Among the best |
| Insurer Website | Average | Among the best |
| AAA Car Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | Among the best |
| First Notice of Loss | Above average | Among the best |
| Service Interaction | Above average | Average |
| Appraisal | Average | Among the best |
| Repair Process | Among the best | Above average |
| Rental Car Experience | Above average | Among the best |
| Settlement | Above average | Among the best |
| AAA Car Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A+ | A++ |
| Moody's | -- | Aaa |
| S&P's | A | AA+ |
|
AAA
AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here. AAA eTourBook Guides provide members with great travel information for top travel destinations in the US. |
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. |
AAA
AAA Roadside AssistanceAAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time. ERS offers the following roadside services:
Contact Phone NumberWhen you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:
|
USAA
USAA Roadside AssistanceUSAA 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
Contact Phone Number1 (866) 375—5374. |