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Allstate vs. USAA: Which provider is better?

Roslyn McKenna
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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.

  • Rewards for safe drivers
  • Basic to comprehensive
  • Your own dedicated agent

Our top pick: Allstate

Enjoy having your own dedicated agent to help you get the best discounts and coverage.

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent
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Allstate car insurance

Allstate

 USAA

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 car insurance

Allstate

 USAA

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

Vehicle discounts

Allstate car insurance

Allstate

 USAA

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)

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.

Compare alternatives to Allstate and USAA

Name Product Roadside assistance New car protection Accident forgiveness Available states
Progressive
Progressive
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Metromile
Metromile
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
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Allstate
Allstate
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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More Info
Liberty Mutual
Liberty Mutual
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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Root
Root
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
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Esurance
Esurance
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
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Farmers
Farmers
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
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Clearcover
Clearcover
Optional
CA, IL
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
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