Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Allstate vs. USAA: Which insurer is better?

Both companies offer a long list of discounts, but USAA's reputation tops the charts.

Avatar
Roslyn McKenna
Updated . What changed?
Fact checked

As the third-largest auto insurance company in the US, Allstate not only offers insurance, but is dedicated to giving back to local communities. The company gets high praise from its 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 provides insurance and ways to save for former and current members of the military and their family members. Allstate too provides discounts to make car insurance more affordable. We’ve lined up Allstate and USAA side by side in a comprehensive comparison to highlight these companies’ similarities and differences.

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

Go to site
Read review

USAA

Go to site
Read review

OVERVIEW

 OVERVIEW
About the provider
About the brand Your dedicated agent can help you find the best savings with multiple discounts and rewards programs. Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
States served
States served All 50 states
 All 50 states & DC

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods Online
Phone
 Online
Phone
Payment schedule
Payment schedule Monthly
 12 months
6 months
custom

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Up to 10% Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount No Yes
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Up to 10% Yes
Special employment discount
Special employment discount Yes Yes
Student discount
Student discount Up to 20%, under 25 Yes
Usage based discount
Usage based discount Yes - up to 20% cash back Yes
Learn more
Learn more
Go to site
Read review
Go to site
Read review

Bottom line

If you qualify for coverage through USAA, its outstanding reputation and ways to cut costs through discounts make it a clear winner. However, if you aren’t associated with the military, Allstate is a solid 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 Safe driver discount Available states
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
Progressive
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Get quotes
The AARP Auto Insurance Program from the Hartford
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
Clearcover
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Get quotes
More Info
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site