USAA vs. AAA: Which provider is better?

USAA vs. AAA

Looking at USAA and AAA for car insurance? We’ve gathered the facts on each provider you need to make your decision.

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.

	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
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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

	USAA	AAA
Good student
Defensive driver
Good driver	good driving record for more than 5 years
Pay in full discount
Multicar
Military
Homeowner
Other discounts	Annual mileage discount – Only for those over the age of 29 Driver training discount – For drivers under 21	Low annual mileage Purchase in advanced
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Vehicle discounts

	USAA	AAA
Anti-theft device
Anti-lock brake
Passive restraints	N/A	N/A
Air bag
Other discounts	New vehicle discount – Vehicles under 3 years old Vehicle storage – Up to 60% (only for stored cars being insured)	New vehicle discount
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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 alternatives to USAA and AAA

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Name	Product	Roadside assistance	New car protection	Available states
Allstate		Included free	Yes, cars under 2 years old	All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Go to siteView details	Compare	loading Fetching your data...
Liberty Mutual		Optional	Yes, cars under 1 year old & 15,000 miles	All 50 states	Car insurance through Liberty Mutual will give coverage options for almost any situation.	Go to siteView details	Compare	loading Fetching your data...
Root		Optional	No	AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT	Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.	Go to siteView details	Compare	loading Fetching your data...
Esurance		Optional	Yes, cars under 1 year old & 15,000 miles	All states except AK, DE, HI, MT, NH, VT, WY	Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.	Go to siteView details	Compare	loading Fetching your data...
Metromile		Optional	Yes, cars under 1 year old & 15,000 miles	CA, IL, NJ, OR, PA, VA, WA	Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.	Go to siteView details	Compare	loading Fetching your data...
USAA		Optional	No	All 50 states	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.	Go to siteView details	Compare	loading Fetching your data...

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