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USAA vs AAA

Who has the best car insurance, USAA or AAA?

Updated

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

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.

  • Save when you bundle your home and car insurance
  • Driver & vehicle discounts
  • 24/7 claims service through USAA’s free mobile app
  • Membership savings
  • Get dividends from company profits
  • Flexible premium payments
  • For military members & family
  • Convenient service through the mobile app
  • Coverage around the world
 

USAA

AAA

OVERVIEW

OVERVIEW
About the provider
About the brand 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. Member benefits extend beyond car insurance to offer discounts, bike coverage and more.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection No Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Accident forgiveness Yes No
SR-22 insurance
SR-22 insurance Yes
No
Claims methods
Claims methods online
online
email
phone
Payment schedule
Payment schedule 12 months
6 months
custom
12 months
6 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No 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
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Root
52%
Available in 30 states
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
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