Allstate vs. USAA: Pros & Cons (2021)

Since you've zoned in on Allstate and USAA, it's time to compare Allstate vs. USAA auto insurance rates, financial ratings, and discounts. While USAA is the cheaper car insurance company, it’s only available to U.S. veterans and their immediate families. Compare Allstate vs. USAA auto insurance quotes below to find what works best for you.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • USAA is only available to military veterans and their immediate families.
  • Despite their market share, USAA is still cheaper than Allstate.
  • Allstate provides more discounts than USAA auto insurance.
  • Overall, USAA insurance has a better mobile app experience.

Allstate and USAA are two auto insurance giants that make billions per year, but how do Allstate vs. USAA auto insurance match up when comparing rates?

Our guide explains the pros and cons of Allstate and USAA, which company is cheapest, what discounts are available, and how each money performs financially. Ultimately, you’ll be more confident about finding cheap auto insurance quotes online.

Enter your ZIP code in the free comparison tool above to compare auto insurance quotes in your local area. For more information about Allstate vs. USAA, keep reading.

Allstate vs. USAA Auto Insurance: Pros and Cons

Pros and cons summarize the positive and negative parts of both companies. First, let’s talk about the advantages and disadvantages you can face from Allstate and USAA.

Comparing Pros and Cons of Allstate vs. USAA Auto Insurance
Allstate ProsAllstate ConsUSAA ProsUSAA Cons
Lots of discounts that are easy to qualify forAbove average pricing in most statesCheapest auto insurance ratesInsurance policies are only available to military members and their immediate families
Cutting edge programs like pay-per-mile and rideshare coverageNot all programs are offered in all statesAwesome military discountsFewer auto insurance coverage options than other competitors
Local agent service plus easy web and mobile accessOnline quoting will lead to agent solicitation by phone
Solid financial ratingsConsumer satisfaction ratings are below average
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Allstate’s pros and cons are more elaborate, but we found USAA’s pros and cons were minimal. Does that mean it’s better than Allstate? Not necessarily.

If you want a closer look at both companies, check out this Allstate Auto Insurance Review or USAA Car Insurance Review.

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Allstate vs. USAA Auto Insurance: Which Company Is the Cheapest?

Before we show you auto insurance rates, let’s look at the Allstate vs. USAA match up.

Allstate vs. USAA Summary
SummaryAllstate Auto Insurance StatsUSAA Auto Insurance Stats
Year Founded19311922
Headquarters3075 Sanders Road Northbrook, IL 600629800 Fredericksburg Road San Antonio, TX 78288
Available in how many states?All StatesAll States
Direct Premiums$23.8 Billion$15.2 Billion
Market Share9%6%
Websitehttps://www.allstate.com/https://www.usaa.com/
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Both companies are available in all 50 states. Allstate has a larger market share and more direct premiums. Based on that information alone, how can USAA compare to a much bigger company?

USAA is only available to veterans and their immediate families.

If you want a closer look at these companies, check out Allstate’s auto insurance review and USAA’s auto insurance review.

Which is cheapest by driving record?

Your driving record is one of the most important factors when determining auto insurance. So how do Allstate and USAA fit into all of this? Let’s compare car insurance rates for both companies below.

Monthly Allstate vs. USAA Auto Insurance Rates Based on Driving Record
Driving Record SummaryAllstate Monthly Auto Insurance RatesUSAA Monthly Auto 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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A clean driving record produces the cheapest rates. Based on the car insurance rates, USAA is the most affordable company by driving record. Even USAA’s DUI-based auto insurance is less expensive than Allstate’s rate based on a clean driving record.

Which is cheapest by vehicle?

Your vehicle is one of the most significant factors to auto insurance. How it affects Allstate vs. USAA auto insurance rates depends on your car.

Enter your ZIP code in one of our comparison tools and use your vehicle’s make and model year to compare Allstate vs. USAA auto insurance quotes based on your car.

Which is cheapest by credit score?

Did you know your credit score can determine how much you pay for car insurance? According to Experian, auto insurance companies issue cheaper rates to consumers who have good or excellent credit because they correlate to filing fewer claims.

How do credit scores affect Allstate and USAA auto insurance? Let’s look at the car insurance rates based on credit score.

Monthly Allstate vs. USAA Auto Insurance Rates Based on Credit Scores
Credit Score SummaryAllstate Monthly Auto Insurance RatesUSAA Monthly Auto Insurance Rates
Good Credit (670-739)$322$152
Fair Credit Score (580-669)$382$185
Poor Credit Score (300-579)$541$308
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USAA car insurance is cheaper than Allstate’s. USAA’s most expensive car insurance rate is even less expensive than Allstate’s car insurance rate based on credit.

Which is cheapest by age and gender?

Age and gender are two major factors in determining auto insurance costs. Male drivers usually take more risks than female drivers, making their insurance more expensive on average, and married drivers file fewer claims than single drivers.

What do auto insurance rates look like for Allstate and USAA when you compare these demographics?

Let’s examine Allstate vs. USAA insurance based on these factors.

Monthly Allstate vs. USAA Auto Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Monthly Auto Insurance RatesUSAA Monthly Auto 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 expected, 60-year-old drivers pay the least for auto insurance. Teen drivers, as usual, pay the most.

Why?

Teen drivers are the least experienced and have higher chances of being involved in an accident. However, discounts can lower teen auto insurance rates. Ask your auto insurance provider for more details on this.

Which is cheapest by coverage level?

A coverage level describes your coverage limits for liability auto insurance. The minimum car insurance requirements are the lowest you can go. However, Allstate and USAA may recommend a higher coverage level if your state carries a low coverage limit.

Let’s review the cost of Allstate and USAA car insurance by coverage level.

Monthly Allstate vs. USAA Auto Insurance Rates Based on Coverage Level
Coverage Level SummaryAllstate Monthly Auto Insurance RatesUSAA Monthly Auto Insurance Rates
Low Coverage Level (Depends on State)$386$200
Medium Coverage Level (50/100/50)$408$212
High Coverage Level (100/300/100)$428$222
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Allstate continues to be a much more expensive company. USAA car insurance rates are much cheaper.

Which is cheapest by commute mileage?

The commute mileage is the number of miles you’re estimated to travel during the policy. If your vehicle is used for general driving purposes, you may pay more auto insurance.

Let’s look at the cost of Allstate and USAA car insurance based on commute mileage.

Monthly Allstate vs. USAA Auto Insurance Rates Based on Commute Mileage
Estimated Commute Mileage/ Annual MileageAllstate Monthly Auto Insurance RatesUSAA Monthly Auto Insurance Rates
10 Miles Commute (6,000 miles/yr)$403$207
25 Miles Commute (12,000 miles/yr)$411$216
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Both companies show a small increase in auto insurance rates when customers drive more. However, USAA remains the cheaper company overall.

Allstate vs. USAA Auto Insurance Coverage Options

Do you want an auto insurance company with more coverage options? Comparing Allstate vs. USAA car insurance options could be a deciding factor.

Although low prices help your budget, an auto insurance provider with versatility can be even better. Let’s compare Allstate and USAA auto insurance coverages.

Allstate and USAA Auto Insurance Coverage Comparison
Allstate Auto Insurance CoveragesUSAA Auto Insurance Coverages
Collision coverageCollision Coverage
Comprehensive coverageComprehensive Coverage
Bodily Injury LiabilityLiability Coverage
Property Damage LiabilityUninsured & Underinsured Motorist Coverage
Uninsured & Underinsured Motorist CoverageFull Coverage
Rental Reimbursement CoverageRoadside Assistance
Personal Umbrella PolicyPersonal Injury Protection
Personal Injury ProtectionRental Car Reimbursement
Sound System Insurance
Roadside Assistance
Classic Auto Insurance
Travel Auto Insurance to Mexico
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When it comes to auto insurance coverage, Allstate is the winner. USAA has a solid selection, but it doesn’t carry classic auto insurance or travel insurance to Mexico.

Allstate vs. USAA Insurance Products

Maybe you’re looking for a little more than auto insurance. Allstate and USAA sell more insurance products. These two companies are massive producers of other insurance services, which we’ve managed to compile in a list below.

Comparing Allstate and USAA Insurance Products
Insurance ProductsAllstate AvailabilityUSAA Availability
Aviation Insurance
Business Insurance
Car Insurance
Car Purchase Financing
Collectibles Insurance
Collector Car Insurance
Condo Insurance
Dental Insurance
Farm And Ranch Insurance
Fixed Annuities
Flood Insurance
Homeowners Insurance
Landlord Insurance
Life Insurance
Major Medical
Medicare
Mobile Home Insurance
Mobile Phone Protection
Motorcycle Insurance
Motorhome Insurance
Pet Insurance
Rental Property Insurance
Renters Insurance
Retirement Planning
Rideshare Insurance
Roadside Assistance Coverage
RV Insurance
Small Business Insurance
Travel Insurance
Umbrella Insurance
Valuable Personal Property Insurance
Vision Insurance
Watercraft Insurance
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Allstate may have more auto insurance coverage options, but USAA has more insurance products to offer.

If you want to add more to your policy online, create an Allstate or USAA login for your account. With a USAA or Allstate insurance login, you can manage your policy, sign up for new services, and even file USAA or Allstate claims online.

Allstate vs. USAA Auto Insurance: Who Has More Discounts?

One of the best methods to slash expensive car insurance is through discounts. Auto insurance discounts can bring you closer to cheap auto insurance. How do Allstate discounts compare to USAA discounts? Let’s examine the available discounts at both companies.

Comparing Allstate and USAA Auto Insurance Discounts
Auto Insurance Discount NameAllstate Discount ValuesUSAA Discount Values
Accident Forgiveness30%Varies
Anti-lock Brake Discount10%Varies
Anti-Theft Device Discount10%20%
Daytime Running Lights DiscountN/AVaries
Deductible discountVariesN/A
Defensive Driver Discount20%Varies
Driving training discountVariesVaries
Early Quote Discount10%N/A
E-billing Discount10%N/A
EV/Hybrid Discount10%N/A
Family DiscountVaries10%
Farm Vehicle Discount10%N/A
Good Driver Discount10%10%
Good Payer Discount5%N/A
Good Student Discount10%Varies
Low Mileage Discount10%Varies
Loyalty DiscountN/AVaries
Military DiscountN/A15%
Multiple Policy Discount10%9%
Multiple Vehicle Discount10%13%
New Car Discount15%Varies
Paid in full discount10%N/A
Paperless documents discountVariesN/A
Passive Restraint Discount10%15%
Preferred payment discount5%N/A
Prepay Discount10%N/A
Senior Adult Discount5%N/A
Student Away at School Discount5%20%
teenSMART Discount35%Varies
Utility Vehicle DiscountVariesN/A
Vehicle Storage DiscountN/A60%
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Although Allstate car insurance is more expensive, it has more discounts than USAA. If you can qualify for more than one Allstate auto insurance discount, you may be able to get insurance rates that rival USAA’s.

Bundling Renters or Homeowners Insurance

Did you know you can bundle your car insurance with renters or homeowners insurance? Bundling insurance policies can save you money on your auto insurance premiums per year.

When you bundle homeowners insurance with Allstate auto insurance, you could pay up to $240 per month. However, USAA customers who happen to be homeowners will only pay $120 per month to bundle their home and auto insurance policies.

Bundling your renters insurance with Allstate auto insurance is $4 cheaper and $2 less expensive with USAA.

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Allstate vs. USAA Auto Insurance: Financial Strength and Credit Ratings

Cheap rates help your budget, but reviews can reassure you that you’ve made the right decision. Financial strength and credit ratings explain how well a company manages money and how responsive companies are to consumers.

We researched the best financial strength and credit rating agencies and found the most reliable ratings on the web. Let’s compare Allstate vs. USAA ratings.

Allstate vs. USAA Financial Strength and Credit Ratings
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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Overall, USAA’s ratings are much better than Allstate’s ratings. However, Allstate has a better NAIC Complaint Index.

Allstate vs. USAA Auto Insurance: Mobile App Ratings

Smartphone apps have become essential to the consumer experience. Both Allstate and USAA provide customers with apps, so customers can access their policies and manage their usage-based insurance.

Mobile apps are available on Apple App Store and Google Play Store. But how do customers rate these mobile apps? Let’s look at the star ratings of both companies.

Allstate vs. USAA Mobile App Reviews
Smart Device Stores/SystemsAllstate Mobile App Star RatingsUSAA Mobile App Star Ratings
Apple App Store (iOS)5 stars4 stars
Google Play Store (Android)4 stars5 stars
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Allstate and USAA have good ratings from iOS and Android. USAA performs better on Android, while Allstate performs better on iOS.

Allstate vs. USAA Auto Insurance: The Bottom Line

USAA is cheaper than Allstate, but Allstate has more coverage options and more discounts. Also, you won’t be able to get a USAA policy unless you’re in the military or in the immediate family of someone who’s a veteran.

Now that you know how to compare auto insurance quotes, you can apply what you learned to Allstate vs. USAA auto insurance.

If you’re having second thoughts about Allstate vs. USAA auto insurance quotes, enter your ZIP code in the free online quote tool below to compare multiple companies in your local area.

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