USAA vs. American Family: Which provider is better?

USAA vs. American Family: Which provider is better?

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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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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 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.

Find the cheapest rates

Compare the best car insurance companies near you.

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Compare other car insurance providers to USAA and American Family

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