Comparing quotes is the best way to get the lowest rates from top insurers like Allstate and USAA. QuoteWizard is an independent company that helps you find the right policy at the best rate.
Compare Allstate vs. USAA Insurance
Get affordable car insurance quotes from top companies like Allstate and USAA Compare Auto Insurance RatesUSAA and Allstate are both excellent insurance companies in the U.S. USAA only offers its service to members of the military and their families and has exceptional ratings and reviews. It offers a wide range of discounts, has superior financial strength scores, and had above-average ratings from J.D. Power. USA rates among the best for customer satisfaction.
Allstate also has many driver discounts. But its financial strength ratings and customer satisfaction ratings are lower than those of USAA. In fact, USAA has all the highest ratings possible from financial services like A.M. Best, Moody’s and Standard and Poor’s. So which insurer offers the discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
Best If/Worst If
| Best If |
Allstate
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USAA
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| Worst If |
Allstate
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USAA
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Compare Insurance Prices
Standard Car Insurance Discounts
| Bundling Coverage Discounts | Allstate | USAA |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Allstate | 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 | Allstate | USAA |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Allstate | USAA |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Allstate | USAA |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Allstate | USAA |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
Consumer Complaint Data
| Allstate Auto Insurance | USAA Car Insurance | |
|---|---|---|
| 2016 | 322 | 245 |
| 2015 | 460 | 415 |
| 2014 | 569 | 380 |
| 2013 | 530 | 270 |
U.S. Auto Insurance Shopping Study (2016)
| Allstate Auto Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Below average | Among the best |
| Policy Offerings | Average | Among the best |
| Pricing | Below average | Among the best |
| Local Agent | Average | -- |
| Call Center Representative | Below average | Among the best |
| Insurer Website | Average | Among the best |
U.S. Auto Insurance Claims Satisfaction Study (2015)
| Allstate Auto Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Among the best |
| First Notice of Loss | Average | Among the best |
| Service Interaction | Average | Average |
| Appraisal | Above average | Among the best |
| Repair Process | Below average | Above average |
| Rental Car Experience | Above average | Among the best |
| Settlement | Average | Among the best |
Financial Strength Ratings
| Allstate Auto Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A+ | A++ |
| Moody's | Aa3 | Aaa |
| S&P's | AA- | AA+ |
Mobile Apps
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Allstate
Allstate Mobile has all the information you need on policies and claims. You can download the Allstate mobile app here, or text ALLSTATEAPP to 25788. Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for safe driving. All you have to do is download the app, login, and start driving. Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club. But the app is 100% free! |
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. |
Roadside Assistance
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Allstate
Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking. Then watch them on the map as they come your way. Allstate has 3 service options for drivers to choose from with many levels of service. Allstate Motor ClubPlatinum Elite Member $99/year
Good Hands Rescue Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers. Good Hands Rescue app gives you:
Roadside Services Included
Towing & Labor Coverage Can be bought as an add-on to your Allstate insurance policy. Basic services include
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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. |