Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Feb 15, 2021

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Key Takeaways

  • Allstate and USAA offer coverage to drivers in every state
  • USAA car insurance is only available to military personnel and their families
  • USAA has some of the highest satisfaction ratings of any insurance carrier in America

Researching car insurance doesn’t need to be an all-consuming process. If you’ve narrowed your choice down to Allstate vs. USAA, this article can help you determine which provider may be best for you.

USAA and Allstate provide insurance for cars, homes, and properties nationwide. Many car insurance companies offer discounts for owning multiple policies or bundling discounts — USAA and Allstate are among them.

If you’re looking to decide between USAA and Allstate, read on for more details. To save money on car insurance right now, enter your ZIP code in our free quote tool and get fast, free quotes.

How do Allstate and USAA compare in terms of car insurance rates?

Rates are likely one of the biggest concerns on your mind when shopping for car insurance. How do Allstate vs. USAA car insurance rates compare? Let’s take a look at some numbers.

Your driving record is one of the biggest considerations for insurance companies when it comes to calculating rates. Below you’ll find average rates from Allstate and USAA for a clean driving record as well as for several common violations.

Driving Record SummaryAllstate Monthly Car Insurance RatesUSAA Monthly Car Insurance Rates
Clean Driving Record$318$161
With One Speeding Violation$374$183
With One Accident$416$210
With One DUI$522$292
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Next, take a look at Allstate vs. USAA car insurance quotes by age, gender, and marital status.

Age, Gender, and Marital StatusAllstate Monthly Car Insurance RatesUSAA Monthly Car Insurance Rates
Single 17-year-old female$774$401
Single 17-year-old male$887$449
Single 25-year-old female$285$166
Single 25-year-old male$298$177
Married 35-year-old female$263$129
Married 35-year-old male$260$128
Married 60-year-old female$243$121
Married 60-year-old male$249$121
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As you can see, USAA is cheaper across the board. However, whether you’ll find affordable Allstate vs. USAA car insurance will depend on a lot of factors, so personal quotes are the best way to compare.

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What does a standard policy from USAA or Allstate include?

Drivers choosing either Allstate or USAA can expect their basic coverage to include what has become standard for most insurance carriers. The basic coverages offered by both companies include:

  • Bodily Injury and Property Damage Liability
  • Personal Injury Protection (PIP) and Medical Payments (MedPay)
  • Uninsured/Underinsured Motorist coverage
  • Collision coverage
  • Comprehensive coverage

A basic policy from either Allstate or USAA will meet the legal requirements in your state. From there, you can add on options.

What additional coverage options are offered by Allstate and USAA?

Though most basic policies include the above coverage types, there are lots of drivers who put additional types of coverage on their policies in order to create a policy that fits them well. Both Allstate and USAA have multiple types of policy upgrades available.

All of Allstates policies come with free Allstate Claim Satisfaction, which means drivers unsatisfied with their claim can get a full refund. Allstate policyholders wanting cash rewards for safe driving can also opt into Allstate’s Drivewise app. You’ll need an Allstate Insurance login to access the app and also to file Allstate claims.

Some other Allstate coverage options include roadside assistance, rental reimbursement coverage, personal injury protection, and more. Our Allstate insurance review offers a deeper look at policies, coverage options, and the company as a whole.

USAA also has rideshare insurance, which makes it a good option for drivers who use their car working for companies like Lyft, GrubHub, and Uber. Like most insurance companies, you can use your USAA login on the website or app to access policy information.

Accident forgiveness is an add-on that drivers can choose to ensure their premiums don’t go up, as long as they go five years without having an accident where they’re at fault. Find out more about what qualifying drivers can expect in our USAA car insurance review.

What sort of discounts do USAA and Allstate offer?

Nearly every driver can qualify for some type of discount from USAA or Allstate. Both companies have a wide range of insurance types and offer significant savings for drivers who bundle their car insurance with other kinds of policies.

The following lists illustrate just a few of the types of discounts policyholders with Allstate and USAA can expect.

Allstate Insurance Discounts:

  • Safe driver discount
  • Bundling discount
  • Paperless billing discount
  • Car alarm and anti-lock brakes discount
  • Discounts for paying your bill on time or upfront
  • Discount for good grades
  • Discount if you purchase a new vehicle

USAA Insurance Discounts:

  • Safe driver discount
  • Defensive driver discount
  • Discount for good students
  • Bundling discount
  • Discount for family members
  • Discount if your vehicle is on a military base
  • Discounts for those who drive very little
  • Discount if you have a policy long-term

Discounts and availability will likely vary state by state.

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What are the ratings for Allstate and USAA?

USAA is often not compared directly to other car insurance providers because of the restrictions on who qualifies for a policy. However, USAA’s score in this study by J.D. Power gives it 900/1000 for client satisfaction, which is the highest score in the study. Allstate ranks slightly lower, with an 853/1000.

Take a look at these and other ratings in the table below.

AgenciesAllstate RatingsUSAA Ratings
AM BestA+ (Excellent)A++ (Superior)
Better Business Bureau (BBB)A+A+
Moody'sA3 (Good)Aa1
S&PAA- (Very Good)AA+ (Excellent)
NAIC Complaint Index0.411.8
J.D. Power - Power Circle RatingsAbout AverageAmong The Best
Consumer Reports8895
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Are Allstate and USAA available nationwide?

Drivers in every single state can get car insurance from Allstate or USAA. Both companies are wide-ranging, and coverage options may be different across the country.

Allstate uses a network of local insurance agents and brokers to provide coverage and claims support. For drivers who want the ability to call their personal agent or stop by the office, choosing a policy with Allstate may be beneficial.

Allstate also has a 24/7 claims center and mobile app that makes reporting claims or changing coverage easy for those who like managing their policies remotely.

USAA offers its insurance in every state as well as some international locations. However, it is only available for military members. This includes active military members and veterans, as well as their families.

USAA also has a mobile app, community portal, and web-based claim center that makes filing a claim fairly simple. In addition to its insurance offerings, USAA has a unique banking and investment service.

Compare Allstate and USAA Insurance Quotes

USAA has lower rates on average. However, military members shouldn’t disqualify Allstate just based on a quick glance at rates. Allstate’s array of discounts and policies may save more money in the long run.

Now that you know all about how Allstate and USAA compare, you can make an informed decision. Before you go, get free car insurance quotes right now. Enter your ZIP code below to get started.