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Who has the best car insurance, USAA or AAA?


Fact checked

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. Only available to military members and veterans and their family.

  • 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




About the provider
About the brand 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.
States served
States served All 50 states All 50 states


Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection No Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes
Claims methods
Claims methods Online
Payment schedule
Payment schedule 12 months
6 months
12 months
6 months


Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes, up to 37%
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes, up 27%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 20%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes Yes, up to 14%
Usage based discount
Usage based discount Yes No
Learn more
Learn more

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.

Compare alternatives to USAA and AAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

Compare up to 4 providers

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