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.
|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|
|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|
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
|Other discounts||New vehicle discount – Vehicles under 3 years old|
Vehicle storage – Up to 60% (only for stored cars being insured)
|New vehicle discount|
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.