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: Mar 11, 2021

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Key Takeaways

  • 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, 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.

American Family vs. USAA: Which has better rates?

When you’re comparing insurers, you probably want to start with what’s most important, right? Let’s take a look at a table that will compare the rates for multiple demographics offered by these main insurers.

Comparison of Average Annual Car Insurance Rates (Top 10 Providers)
ProviderSingle 17-year-old Female Average Annual RatesSingle 17-year-old Male Average Annual RatesSingle 25-year-old Female Average Annual RatesSingle 25-year-old Male Average Annual RatesMarried 35-year-old Female Average Annual RatesMarried 35-year-old Male Average Annual RatesMarried 60-year-old Female Average Annual RatesMarried 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
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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 discounts.

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American Family vs. USAA: Which offers more discounts?

We cannot stress enough the importance of discounts. 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 Auto Discounts Available
American Family DiscountsDiscount Offered
Adaptive Cruise ControlNo
Adaptive HeadlightsNo
Anti-lock BrakesYes
Anti-TheftYes
Claim FreeYes
Continuous CoverageYes
Daytime Running LightsYes
Defensive DriverYes
Distant StudentYes
Driver's EdYes
Driving Device/AppYes
Early SigningYes
Electronic Stability ControlYes
Emergency DeploymentNo
Engaged CoupleNo
Family LegacyYes
Family PlanYes
Farm VehicleNo
Fast 5No
Federal EmployeeNo
Forward Collision WarningNo
Full PaymentYes
Further EducationNo
Garaging/StoringNo
Good CreditNo
Good StudentYes
Green VehicleNo
HomeownerNo
Lane Departure WarningNo
Life InsuranceNo
Low MileageYes
LoyaltyYes
MarriedNo
Membership/GroupNo
MilitaryNo
Military GaragingNo
Multiple DriversNo
Multiple PoliciesYes
Multiple VehiclesYes
New AddressNo
New Customer/New PlanNo
New GraduateNo
Newer VehicleNo
Newly LicensedNo
NewlywedsNo
Non-Smoker/Non-DrinkerNo
Occasional OperatorNo
OccupationNo
On Time PaymentsNo
Online ShopperNo
Paperless DocumentsYes
Paperless/Auto BillingYes
Passive RestraintYes
Recent RetireesNo
RenterNo
Roadside AssistanceNo
Safe DriverYes
Seat Belt UseNo
Senior DriverNo
Stable ResidenceNo
Students & AlumniYes
Switching ProviderYes
Utility VehicleNo
Vehicle RecoveryYes
VIN EtchingNo
VolunteerYes
Young DriverNo
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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. How did USAA do? Let’s take a look at a table that’s a little different. This one will show only 25 discounts, but has the percentage you will save.

USAA Discounts Offered
USAA DiscountsPercentage Saved
Anti-lock Brakesx
Anti-Theftx
Claim Free12%
Daytime Running Lightsx
Defensive Driver3%
Distant Studentx
Driver's Ed3%
Driving Device/App5%
Early Signing12%
Family Legacy10%
Garaging/Storing90%
Good Student3%
Low Mileagex
Loyaltyx
Marriedx
Militaryx
Military Garaging15%
Multiple Policiesx
Multiple Vehiclesx
Newer Vehicle12%
Occasional Operatorx
Paperless/Auto Billing3%
Passive Restraintx
Safe Driver12%
Senior Driverx
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As you can see, of the 25 discounts shown, USAA offers 12. 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.

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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.

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 American Family car insurance, buy USAA car insurance, or make any purchasing decisions whatsoever, always do your research.