USAA vs. The General: Which provider is better?

USAA vs. The General: Which provider is better?

USAA vs. The General

Are you looking at USAA and The General as a possible insurance provider? We’ve got the info you need on each company to make your decision.

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.

The General also is well liked by its customers, getting an A+ from the Better Business Bureau. This company is known for providing affordable insurance to high-risk drivers.

Check out the details of each provider in our side-by-side comparison below.

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USAAUSAAThe GeneralThe General
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.The General specializes in budget-friendly insurance plans for drivers who may be deemed “risky” elsewhere. Conveniently selling directly to customers online, insurance can be approved and put a driver on the road in no time.
PricePolicy costs depend your personal situation. Visit USAA for a quote based on your specific needs.Policy costs depend your personal situation. Visit The General for a quote based on your specific needs.
States servedAll 50 states46
User satisfaction*A+A+
J.D. Power ratings**5/5 on overall claims satisfactionN/A
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

USAAUSAAThe GeneralThe General
Good studentYesNo
Defensive driverYesNo
Good driverYes (good driving record for more than 5 years)No
Pay in full discountNoYes
Multi carYesNo
MilitaryYesNo
HomeownerNoNo
Other discounts
  • Annual mileage discount – Only for those over the age of 29
  • Driver training discount – For drivers under 21

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Vehicle discounts

USAAUSAAThe GeneralThe General
Anti-theft deviceYesNo
Anti-lock brakeNoNo
Passive restraintsN/ANo
Air bagYesNo
Other discounts
  • New vehicle discount – Vehicles under 3 years old
  • Vehicle storage – Up to 60% (only for stored cars being insured)

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Bottom line

With USAA’s many discounts and excellent customer service, it comes out on top in this comparison. However, they only provide insurance for the military and their family members. If you don’t qualify for insurance through USAA, The General is a solid second choice.

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Enter your ZIP code below and click Compare Now to find the best rates near you.

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