Allstate vs. USAA: Which provider is better?

Allstate vs. USAA

The third-largest auto insurance provider in the US, Allstate not only offers insurance, the company is dedicated to giving back in local communities. And they get high praise from their customers, receiving an A from the Better Business Bureau. Like Allstate, USAA has an excellent reputation, receiving an A+ from the BBB and an almost unheard of 5 out of 5 rating from J.D. Power.

USAA was founded on its mission to proudly serve our military. The company provides insurance and more for former and current members of the military and their family members. USAA offers many ways to save on car insurance, through vehicle discounts and driver discounts. Allstate too provides discounts to make car insurance more affordable. With so many similarities, choosing between the two can be tough. So we’ve lined up Allstate and USAA side by side in a comprehensive comparison to make the decision easier for you.

	Allstate	USAA
About the provider	Allstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute.	Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more.
Price	Policy costs depend your personal situation. Visit Allstate for a quote based on your specific needs.	Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs.
States served	All 50 states	All 50 states
User satisfaction*	A	A+
J.D. Power ratings**	3/5 on overall claims satisfaction	5/5 on overall claims satisfaction
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View vehicle discounts
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* Based on Better Business Bureau’s company rating ** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

	Allstate	USAA
Good student	Up to 20% (full-time student, under 25).
Defensive driver	Up to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims)
Good driver	Up to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years.	Good driving record for more than 5 years
Pay in full discount	Up to 10%
Multicar
Military
Homeowner
Other discounts	Drivewise – Up to 20% cash back (based on everyday safe driving) EZ pay plan discount – Up to 5% (automatic withdrawal) Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online) Auto/life discount – Varies Multi policy discount – Up to 10% Early signing discount – Up to 10% (sign 7 days before policy becomes effective) Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months) Senior discount – Up to 10% (55+, not seeking full-time employment) Safe drivers discount – Up to 45% TeenSMART discount – Up to 10%	Annual mileage discount – Only for those over the age of 29 Driver training discount – For drivers under 21
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Vehicle discounts

	Allstate	USAA
Anti-theft device	Up to 10%
Anti-lock brake	10%
Passive restraints	Up to 30%	N/A
Air bag
Other discounts	New car – Up to 30% (First owner, car under 2 years old) Economy car – Up to 10% Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior) Farm vehicle – Up to 10%	New vehicle discount – Vehicles under 3 years old Vehicle storage – Up to 60% (only for stored cars being insured)
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Bottom line

If you qualify for coverage through USAA, its outstanding reputation and ways to cut costs through discounts make it the clear winner. But if you are not associated with the military, Allstate is a great option. Allstate has a good reputation for its customer service and offers many discounts. If neither one’s right for you, compare car insurance options to find the best policy for you.