USAA vs. AAA: Which provider is better?

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.

Still can’t decide? This side-by-side comparison of USAA and AAA will make your decision easier.

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USAAUSAAAAAAAA
AboutOperating 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.
PricePolicy 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 servedAll 50 statesAll 50 states
User satisfaction*A+N/A
J.D. Power ratings**5/5 on overall claims satisfaction2/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView 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

USAAUSAAAAAAAA
Good studentYesYes
Defensive driverYesYes
Good driverYes (good driving record for more than 5 years)No
Pay in full discountNoYes
Multi carYesYes
MilitaryYesNo
HomeownerNoYes
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

USAAUSAAAAAAAA
Anti-theft deviceYesYes
Anti-lock brakeNoNo
Passive restraintsN/AN/A
Air bagYesYes
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 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

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