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USAA vs AAA
Who has the best car insurance, USAA or AAA?
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Comparing car insurance providers is difficult with so many options. USAA is well know for great rates and stellar customer service if you qualify for membership. If you’re not associated with the military, AAA also offers membership perks and discounts for a small monthly or annual fee.
About USAA and AAA
Both USAA and AAA have requirements for obtaining insurance. USAA is only available to current and former military and members of their family, while you must have a membership with AAA to get coverage through them.
USAA is dedicated to serving our military and their families by providing affordable car insurance and financial services. They’ve been around since the 1920s and have a reputation for excellent customer service.
Everyone knows AAA for its roadside assistance and travel discounts, but it also provides car insurance. With your AAA membership, you’ll get perks like 24 hour concierge services, home lockout service, entertainment discounts and more.
- For military members & family
- Convenient service through the mobile app
- Coverage around the world
Our top pick: USAA
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.
- Save when you bundle your home and car insurance
- Driver & vehicle discounts
- 24/7 claims service through USAA’s free mobile app
- Membership savings
- Get dividends from company profits
- Flexible premium payments
 USAA |
 AAA |
|
|---|---|---|
| About the provider | 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. | AAA is a non-profit that has been serving motorists for over 100 years. With nearly 55.6 million members, the elite federation of motor clubs is known for its roadside assistance, discounts and rewards, and hands on customer service. |
| Price | Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs. | Policy costs depend your personal situation. Visit AAA for a quote based on your specific needs. |
| States served | All 50 states | All 50 states |
| User satisfaction* | A+ | N/A |
| J.D. Power ratings** | 5/5 on overall claims satisfaction | 2/5 on overall claims satisfaction |
| Driver discounts | View driver discounts | View driver discounts |
| Vehicle discounts | View vehicle discounts | View vehicle discounts |
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
Driver discounts
Vehicle discounts
Bottom line
If you’re looking for the benefits that come with a AAA membership, getting insurance through AAA might work for you. But keep in mind there is an annual fee for that membership. If you’re a member of the military or a family member of one, USAA’s excellent reputation and plentiful discounts make it a great choice. Compare your car insurance options to find the best one for you.
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