USAA vs. American Family: Which provider is better?

USAA vs. American Family

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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.

  • 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
USAA

USAA

American Family

American Family

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. 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.
Price Policy 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 served All 50 states 19
User satisfaction* A+ B+
J.D. Power ratings** 5/5 on overall claims satisfaction 4/5 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

American Family

American Family

Good student Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driver 5-10% (55+, completed defensive driving course)
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

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)


Vehicle discounts

USAA

USAA

American Family

American Family

Anti-theft device
Anti-lock brake
Passive restraints 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)

Auto safety equipment – 10-30%

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.

Compare alternatives to USAA and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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