USAA vs. American Family: Which provider is better?

USAA vs. American Family: Which provider is better?

USAA vs. American Family

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.

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USAAUSAAAmerican FamilyAmerican Family
AboutOperating 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.For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.
PricePolicy costs depend your personal situation. Visit USAA for a quote based on your specific needs.Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.
States servedAll 50 states19
User satisfaction*A+B+
J.D. Power ratings**5/5 on overall claims satisfaction4/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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


Driver discounts

USAAUSAAAmerican FamilyAmerican Family
Good studentYesVaries. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driverYes5-10% (55+, completed defensive driving course)
Good driverYes (good driving record for more than 5 years)Yes
Pay in full discountNoNo
Multi carYesYes
MilitaryYesNo
HomeownerNoNo
Other discounts
  • Annual mileage discount – Only for those over the age of 29
  • Driver training discount – For drivers under 21
  • Loyalty discount Early-bird discount
  • Steer into Savings discount
  • Low mileage discount – Drive less than 7,500 miles per year
  • Teen Safe Driver discount – Enroll teen in free program
  • Young volunteer discount – Under 25, 40+ hours per year volunteering for non-profit
  • Generational discount – 18-24 with a parent who is an American Family customer
  • KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)

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Vehicle discounts

USAAUSAAAmerican FamilyAmerican Family
Anti-theft deviceYesNo
Anti-lock brakeNoNo
Passive restraintsN/ANo
Air bagYesYes
Other discounts

  • New vehicle discount – Vehicles under 3 years old
  • Vehicle storage – Up to 60% (only for stored cars being insured)

 

  • Auto safety equipment – 10-30%

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Bottom line

If you qualify for insurance through USAA, you can’t go wrong with it’s 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.

Also be aware that American Family only offers insurance in 19 states.

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