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Our top pick: USAA
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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.
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|---|---|
| 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 AK, AZ, CA, MT, NV, UT and WY. |
| All 50 states | AK, AZ, CA, MT, NV, UT and WY |
| Optional | Included free |
| No | Yes |
| Yes | Yes |
| Yes | No |
| Yes |
Yes |
| Online Phone |
online phone |
| 12 months 6 months custom |
12 months 6 months monthly |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes, up to 37% |
| Yes | No |
| Yes | Yes, up 27% |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes, up to 20% |
| Yes | No |
| Yes | Yes, up to 14% |
| Yes | No |
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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.
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