American Family vs. USAA: Best Car Insurance for 2021
When comparing insurers like American Family vs. USAA it's best to analyze pricing, discounts, and company reviews. USAA offers the cheaper prices for all demographics in comparison with American Family. However, both American Family and USAA offer a comparable amount of discounts and are both comparably reviewed by companies such as A.M. Best and the Better Business Bureau.
Compare Car Insurance Companies
Secured with SHA-256 Encryption
|
Written by
Rachael Brennan
|
|
Reviewed by
Chris Harrigan
|
UPDATED: Aug 5, 2021
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.
- USAA car insurance company is cheaper than American Family car insurance company for every demographic
- American Family and USAA both offer many discounts for you to take advantage of
- American Family and USAA are both comparably rated by companies such as A.M. Best and the Better Business Bureau
If you’re here with us today you must be looking for your next, or perhaps even first, insurer. It’s a complicated process to find the right insurance provider to suit your needs, so for the sake of simplicity, we’ll be focusing only on American Family vs. USAA.
If you’d like to learn more about American Family’s rates, discounts, American Family Care coverage, etc., be sure to read our American Family car insurance review.
Before we dive into American Family vs. USAA, though, get a start on insurer comparison by typing your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area today.
Table of Contents
American Family vs. USAA: Which has better rates?
When you’re comparing insurers, you probably want to start with what most people prioritize as important, right? Most people are looking for affordable insurance coverage that fits into their budgets and provides the coverage they need. Let’s take a look at a table that will compare the rates for multiple demographics offered by these main insurers.
| Provider | Single 17-year-old Female Average Annual Rates | Single 17-year-old Male Average Annual Rates | Single 25-year-old Female Average Annual Rates | Single 25-year-old Male Average Annual Rates | Married 35-year-old Female Average Annual Rates | Married 35-year-old Male Average Annual Rates | Married 60-year-old Female Average Annual Rates | Married 60-year-old Male Average Annual Rates |
|---|---|---|---|---|---|---|---|---|
| Allstate | $9,282.19 | $10,642.53 | $3,424.87 | $3,570.93 | $3,156.09 | $3,123.01 | $2,913.37 | $2,990.64 |
| American Family | $5,996.50 | $8,130.50 | $2,288.65 | $2,694.72 | $2,202.70 | $2,224.31 | $1,992.92 | $2,014.38 |
| Farmers | $8,521.97 | $9,144.04 | $2,946.80 | $3,041.44 | $2,556.98 | $2,557.75 | $2,336.80 | $2,448.39 |
| Geico | $5,653.55 | $6,278.96 | $2,378.89 | $2,262.87 | $2,302.89 | $2,312.38 | $2,247.06 | $2,283.45 |
| Liberty Mutual | $11,621.01 | $13,718.69 | $3,959.67 | $4,503.13 | $3,802.77 | $3,856.84 | $3,445.00 | $3,680.53 |
| Nationwide | $5,756.37 | $7,175.31 | $2,686.48 | $2,889.04 | $2,360.49 | $2,387.43 | $2,130.26 | $2,214.62 |
| Progressive | $8,689.95 | $9,625.49 | $2,697.73 | $2,758.66 | $2,296.90 | $2,175.27 | $1,991.49 | $2,048.63 |
| State Farm | $5,953.88 | $7,324.34 | $2,335.96 | $2,554.56 | $2,081.72 | $2,081.72 | $1,873.89 | $1,873.89 |
| Travelers | $9,307.32 | $12,850.91 | $2,325.25 | $2,491.21 | $2,178.66 | $2,199.51 | $2,051.98 | $2,074.41 |
| USAA | $4,807.54 | $5,385.61 | $1,988.52 | $2,126.14 | $1,551.43 | $1,540.32 | $1,449.85 | $1,448.98 |
Get Your Rates Quote Now |
||||||||
As you can see, USAA car insurance rates are cheaper than American Family car insurance rates for every last of the eight demographics shown. In one case, USAA is almost $3,000 cheaper annually.
Let’s now move on to which of these two companies offers the larger amount of insurance discounts.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
American Family vs. USAA: Which offers more discounts?
We cannot stress enough the importance of discounts offered by auto insurers. They are a great resource to help find more affordable American Family car insurance quotes or more affordable USAA car insurance quotes.
Let’s take a look at a table that will show a wide array of discounts and whether or not American Family Insurance offers them.
| American Family Discounts | Discount Offered |
|---|---|
| Adaptive Cruise Control | No |
| Adaptive Headlights | No |
| Anti-lock Brakes | Yes |
| Anti-Theft | Yes |
| Claim Free | Yes |
| Continuous Coverage | Yes |
| Daytime Running Lights | Yes |
| Defensive Driver | Yes |
| Distant Student | Yes |
| Driver's Ed | Yes |
| Driving Device/App | Yes |
| Early Signing | Yes |
| Electronic Stability Control | Yes |
| Emergency Deployment | No |
| Engaged Couple | No |
| Family Legacy | Yes |
| Family Plan | Yes |
| Farm Vehicle | No |
| Fast 5 | No |
| Federal Employee | No |
| Forward Collision Warning | No |
| Full Payment | Yes |
| Further Education | No |
| Garaging/Storing | No |
| Good Credit | No |
| Good Student | Yes |
| Green Vehicle | No |
| Homeowner | No |
| Lane Departure Warning | No |
| Life Insurance | No |
| Low Mileage | Yes |
| Loyalty | Yes |
| Married | No |
| Membership/Group | No |
| Military | No |
| Military Garaging | No |
| Multiple Drivers | No |
| Multiple Policies | Yes |
| Multiple Vehicles | Yes |
| New Address | No |
| New Customer/New Plan | No |
| New Graduate | No |
| Newer Vehicle | No |
| Newly Licensed | No |
| Newlyweds | No |
| Non-Smoker/Non-Drinker | No |
| Occasional Operator | No |
| Occupation | No |
| On Time Payments | No |
| Online Shopper | No |
| Paperless Documents | Yes |
| Paperless/Auto Billing | Yes |
| Passive Restraint | Yes |
| Recent Retirees | No |
| Renter | No |
| Roadside Assistance | No |
| Safe Driver | Yes |
| Seat Belt Use | No |
| Senior Driver | No |
| Stable Residence | No |
| Students & Alumni | Yes |
| Switching Provider | Yes |
| Utility Vehicle | No |
| Vehicle Recovery | Yes |
| VIN Etching | No |
| Volunteer | Yes |
| Young Driver | No |
Get Your Rates Quote Now |
|
As you can see, of the 67 discounts shown, American Family offers 27. There’s are discounts for safety features, a discount for continuous coverage, even a discount for taking driver’s education classes.
In short, you certainly have options from American Family to chip away at your rates. What about dicounts on insurance options from USAA? While both companies, like most auto insurers, offer safe drivers discounts and multi-policy discounts, let’s take a look at the table below to see what’s a little different. This one will show only 25 discounts, but has the percentage you will save.
| USAA Discounts | Percentage Saved |
|---|---|
| Anti-lock Brakes | x |
| Anti-Theft | x |
| Claim Free | 12% |
| Daytime Running Lights | x |
| Defensive Driver | 3% |
| Distant Student | x |
| Driver's Ed | 3% |
| Driving Device/App | 5% |
| Early Signing | 12% |
| Family Legacy | 10% |
| Garaging/Storing | 90% |
| Good Student | 3% |
| Low Mileage | x |
| Loyalty | x |
| Married | x |
| Military | x |
| Military Garaging | 15% |
| Multiple Policies | x |
| Multiple Vehicles | x |
| Newer Vehicle | 12% |
| Occasional Operator | x |
| Paperless/Auto Billing | 3% |
| Passive Restraint | x |
| Safe Driver | 12% |
| Senior Driver | x |
Get Your Rates Quote Now |
|
As you can see, of the wide range of discounts shown, USAA offers 12 of the 25. Essentially, when it comes to discounts, you have two great options. Even better is the fact that a lot of these discounts are as simple as typing in your USAA login on the USAA Insurance app.
Keep in mind, if you’d like to learn more in detail about USAA, you can read our USAA car insurance review. Let’s now wrap up with the company ratings given to USAA and American Family by A.M. Best and the Better Business Bureau.
Compare Car Insurance Companies
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
American Family vs. USAA: Which is more well-reviewed?
One last thing to keep your eye on when comparing insurers is company ratings via A.M. Best and the Better Business Bureau. It’s important to know what kind of customer reviews or complaints are being left about a company before you decide to do business with them. When it comes to recognizing complaints or bad reviews about a company, it is important to realize that dissatisfied customers are far more likely to leave a complaint or review than happy or content customers.
The Better Business Bureau’s rating scale goes up to A+. As of this time, American Family has the next rating down of A and is not BBB accredited. USAA didn’t do as well with the Better Business Bureau as they have a rating of A- and they are also not BBB accredited.
A.M. Best has a rating scale that goes from A++ down to a rating of D. American Family has the third-highest rating of A from A.M. Best. How did USAA do? USAA has A.M. Best’s highest rating of A++.
Hopefully, we have answered all of your questions today. Now that you know more about American Family vs. USAA, type your ZIP code into our free tool below to find affordable auto insurance quotes in your area.
Before you buy an auto insurance policy from American Family car insurance, USAA car insurance, or make any purchasing decisions whatsoever, always do your research. While these companies have overall good reviews and multiple discount options for saving you money, be sure to explore all the options available to you in your area.