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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.
Our top pick: USAA
Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members.
- Some of the lowest rates and highest customer satisfaction
- Geared for military, including overseas car-buying support and flexible payments
- 24/7 online policy management from bills to claims
- Earn dividends from company profits
|
|
|
|---|---|
| Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members. | Member benefits extend beyond car insurance to offer discounts, bike coverage and more. |
| All 50 states | All 50 states |
| 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 |
|
|
|
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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