Comparing USAA vs. Allstate shows how different these two popular auto insurance carriers are, both in offerings and rates. USAA provides insurance products specifically for active military members, veterans and their immediate family members. Founded in 1922 by a group of Army officers, USAA now has over 13 million customers, earns more than $36 billion in revenue and is one of the largest auto insurance providers in the U.S.
Allstate is also a massive company, ranking as the fourth-largest auto insurance carrier in the country. Allstate was founded in 1931 when the president and board chairman of Sears, Roebuck, and Co. decided to add auto insurance to the company portfolio. Now Allstate provides a variety of insurance products and maintains over 9% market share in the auto insurance category.
USAA vs. Allstate: car insurance rates comparison
When comparing Allstate vs. USAA, it is helpful to consider each carrier’s performance within important categories. Categories such as ratings relating to AM Best financial strength and J.D. Power customer satisfaction may offer additional insight on how companies measure up, similarly to comparing average premiums. Additionally, premium data was provided by Quadrant Information Services.
Additionally, our insurance editorial team calculated a Bankrate Score for each provider out of 5.0 total points. The higher a company scores, the better it performs across these categories.
|Car insurance company||Bankrate Score||AM Best financial stability rating||J.D. Power customer satisfaction rating||Average annual premium for minimum coverage||Average annual premium for full coverage|
Rates by credit score
Insurance companies often use credit scores as a factor for calculating premiums, which is true for both USAA and Allstate. However, if you live in Massachusetts, Michigan, Hawaii or California, credit score use as a determining factor is disallowed. The chart below shows the average annual premium for full coverage insurance with either poor, average, good or excellent credit ratings.
|Car insurance company||Poor||Average||Good||Excellent|
Rates by age
Age is a major factor when calculating premiums for both carriers, except in Hawaii where the use of age as an insurance rating factor is not allowed. Drivers in the 18-year-old group tend to pay the highest premiums, and then by age 25, rates generally see a significant decrease.
|Car insurance company||Age 16*||Age 18||Age 25||Age 30||Age 40||Age 60|
*16 year old cost when added to parents’ policy, 18-year-old renter
Rates by driving record
USAA and Allstate, like other auto insurance companies, also base premiums on your driving record. If you have received a speeding ticket, been charged with an accident or DUI conviction, you can typically expect your rates to increase with either carrier due to being more high-risk. The chart below shows average annual car insurance rates for full coverage with different high-risk behaviors factored in.
|Car insurance company||Clean driving record||Speeding ticket||Accident||DUI conviction|
USAA vs. Allstate: discounts
Both USAA and Allstate offer a wide range of discounts. The options for savings include the basics you find with most carriers, such as multi-policy, multi-vehicle, good student and defensive driving discounts. However, there are also a handful of unique ways to save with each provider.
- Family discount — If your parents were also USAA policyholders, you could be rewarded with up to an additional 10% discount.
- Military installation — If you store or garage your vehicle on base, you may be eligible to receive up to a 15% discount.
- Length of membership — The longer you are a policyholder with USAA, you could receive additional savings for loyalty.
- FullPay discount — If you pay your premiums all at once, instead of in monthly or quarterly installments, you may be eligible for a FullPay discount.
- Early signing discount — If you renew your policy seven days (or sooner) before the renewal period, you could earn an early signing discount.
- New car discount — If your car is brand new or less than a year old, you may be eligible for more savings with the new car discount.
USAA vs. Allstate: online and mobile experience comparison
Both USAA and Allstate offer a smooth online and mobile experience with a number of useful features. Downloading insurance ID cards, filing claims, requesting roadside assistance and making payments are examples of tasks you have access to online or via the app. Of the two, USAA receives more positive reviews, although Allstate provides additional features, like access to Drivewise, its telematics-based driving app.
- App store 4.8/5 — You have access to your policy and coverages 24/7 via the app. You can also use USAA’s voice-activated virtual assistant to help answer any questions.
- Google Play 4.6/5 — Users leave positive feedback about the app’s ease-of-use. The added convenience and lack of ads are two features mentioned frequently within the reviews.
- App Store 4.8/5 — The user-friendly, highly-rated app allows you to immediately contact your agent without logging in. You can use the app to access the Drivewise program and possibly qualify for additional discounts.
- Google Play 3.1/5 — With a lower app rating, the Allstate Google Play mobile app has common customer complaints surrounding how often the app crashes, freezes and logs customers out. Otherwise, customers have the same functionality of the app on Android as users on Apple do.
Frequently asked questions
How do I file a claim with USAA?
With USAA, you are able to file a claim either online, through the mobile app or by calling the customer service number. It helps to prepare an accurate description of the accident, including the location, date and time and other important details.
How do I file a claim with Allstate?
Like USAA, you may file a claim with Allstate via the mobile app, online portal or through a customer representative. With Allstate, you are able to track the progress of your claim through the entire process, from the initial filing to receiving a settlement.
How do I get quotes from USAA or Allstate?
Both USAA and Allstate offer quotes online, although customers can still call the customer service number to speak with an agent. Getting a quote is relatively straightforward, often calling for you to provide your ZIP code and a few other personal details. Because the process is generally quick, you may be able to receive quotes from each provider in a short amount of time.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: CA, HI, MA & MI
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. 16-year-old rates were factored as the added cost to their parents’ policy; 18-year-old rates were calculated as drivers who rent their primary residence. The following states do not allow age to be a factor in determining auto insurance rates: HI
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction (BAC of >= .08) and lapse in coverage.
Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.