Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
USAA vs AAA: Who has better car insurance?
Both companies offer member perks, but AAA has a membership fee.
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 qualify for coverage.
Founded in the 1920s, USAA is dedicated to serving our military and their families by providing affordable car insurance and financial services. USAA is knows for its excellent customer service year after year.
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.
USAA’s excellent reputation and plentiful discounts make it the top pick, plus you won’t have to pay a membership fee. However, if you don’t qualify for USAA and are looking for the perks AAA offers, it’s still a solid choice.
|
|
|
|---|---|
| Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family. | Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in Alaska, Arizona, California, Montana, Nevada, Utah & Wyoming. |
| All 50 states & DC |
Alaska, Arizona, California, Montana, Nevada, Utah & Wyoming |
| Optional | Included free |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Online Phone |
online phone |
| 12 months 6 months custom |
12 months 6 months monthly |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | No |
| Yes | Yes, up 27% |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes, up to 20% |
| Yes | No |
| Yes | Yes, up to 14% |
| Yes | No |
|
|
|
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. If neither car insurer works for you, compare car insurance companies to find the best one for you.
Compare alternatives to USAA and AAA
More guides on Finder
-
Compare pay-as-you-go and telematics companies
Compare 19 usage-based insurance companies and their key features side by side.
-
The Zebra car insurance review
See real prices from brand name insurance companies in this site’s user-friendly quote tool.
-
Compare car insurance in Stockton
Compare car insurance rates and features that serve Stockton.
-
Car insurance in Modesto
These 4 best car insurance picks are a good starting point for shopping around in Modesto.
-
Car insurance in Bakersfield
Compare top car insurance companies in Bakersfield, plus see why you need extra coverage here.
-
USAA SafePilot review
Save up to 30%, but using your phone — even in hands-free mode — lowers your discount.
-
Car insurance in Sacramento
Shop for car insurance in Sacramento with the best coverage, rates, service and local reputation.
-
Compare car insurance in San Jose
Car insurance isn’t optional in San Jose. Compare insurers that serve San Jose, California.
-
Compare car insurance in Fresno
Compare insurers that serve Fresno, California, side by side.
-
Car insurance in San Diego
These top 4 companies should narrow down your car insurance options in San Diego.
Ask an Expert