Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 3, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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. Many drivers are busy. They have work, family, and other things to deal with at any given time. 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. While USAA focuses on attracting military clients, Allstate has taglines like “are you in good hands” and “you can save money and be protected from Mayhem like me.”

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.

Does USAA or Allstate Offer Lower Insurance Rates?

Rates are likely one of the biggest concerns on your mind when shopping for car insurance. Everything else aside, who is going to give you the cheaper rates? 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
Get Your Rates Quote Now

Compare RatesStart Now →

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
Get Your Rates Quote Now

Compare RatesStart Now →

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. Teen drivers and other high-risk drivers may even find different discounts and deciding factors on their quotes.

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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. Sites often default to a $500 deductible on collision and comprehensive coverages. We recommend adjusting your deductible to the amount you can afford to pay after an accident. The higher your deductibles, the less you’ll pay each month. This is one way to lower your rates even if you have a low credit score, more tickets, or something else.

What additional coverage options are offered by Allstate and USAA?

Though most basic policies include the above coverage types, lots of drivers 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 Allstate’s 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. In many states, Drivewise users can run the program through a phone app. So no additional hardware is required to get further discounts on cheap car insurance.

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. While many drivers don’t realize, your regular insurance coverage drops as soon as you turn on a rideshare or delivery app. If you drive for Uber or Lyft, their coverage doesn’t start until you’re actually picking up a ride. Rideshare insurance fills in this gap. 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.

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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
Get Your Rates Quote Now

Compare RatesStart Now →

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.