USAA vs. American Family: Which provider is better?

USAA has been proudly providing insurance for our military and their family members since 1922. Although American Family has been around for nearly as long, it isn’t quite the household name that USAA is. But don’t rule this smaller company out. American Family aims to gain the trust of its customers through top-notch customer service and protection.

Like American Family, USAA has a great reputation for customer service. The company gets an A+ from the Better Business Bureau and astounding 5 out of 5 rating from J.D. Power. Both companies also offer discounts to make car insurance more affordable, like USAA’s military discount and American Family’s defensive driver discount.

So which one should you choose? Take a look at our side-by-side comparison below, and you’ll get the info you need to pick the provider that best suits your needs.

Our top pick: USAA

Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members.

• 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

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OVERVIEW			OVERVIEW
About the provider
About the brand	Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members.	American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served
States served	All 50 states	AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Optional	Optional
New car protection
New car protection	No	Yes
Accident forgiveness
Accident forgiveness	Yes	Yes
Rideshare coverage
Rideshare coverage	Yes	Yes
SR-22 insurance
SR-22 insurance	Yes	Yes
Claims methods
Claims methods	Online Phone	online phone
Payment schedule
Payment schedule	12 months 6 months custom	12 months monthly custom
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes	Yes
Bundling discount
Bundling discount	Yes	Yes
Home owner discount
Home owner discount	Yes	No
Military discount
Military discount	Yes	Yes
Multi car discount
Multi car discount	Yes	Yes
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 10%
Special employment discount
Special employment discount	Yes	No
Student discount
Student discount	Yes	Yes
Usage based discount
Usage based discount	Yes	Yes
Learn more
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Bottom line

If you qualify for insurance through USAA, you can’t go wrong with its excellent customer service and dedication to meeting the financial needs of our military and their family. But keep in mind your personal situation when comparing USAA and American Family, because although one provider might offer more discounts than the other, those discounts might not apply to you.

Compare your car insurance options to find the best insurance company for you.

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