USAA vs AAA: Which car insurance is better? | finder.com

USAA vs AAA

Who has the best car insurance, USAA or AAA?

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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.

  • For military members & family
  • Convenient service through the mobile app
  • Coverage around the world

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
Promoted
USAA

USAA

AAA

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


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


Driver discounts

USAA

USAA

AAA

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


Vehicle discounts

USAA

USAA

AAA

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

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 Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, 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 AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
All 50 states
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
Optional
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
CA, IL
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, 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 24 states.

Compare up to 4 providers

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