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USAA vs. The General: Which provider is better?

USAA vs. The General

Updated

Fact checked

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.

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
  • For military members & family
  • Convenient service through the mobile app
  • Coverage around the world
 

USAA

The General

OVERVIEW

OVERVIEW
About the provider
About the brand 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. Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.
States served
States served All 50 states All states except Hawaii, Massachusetts, Michigan and New Jersey

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No No
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Accident forgiveness Yes No
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
phone
Payment schedule
Payment schedule 12 months
6 months
custom
12 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No Yes
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 No
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes No
Learn more
Learn more

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

Compare alternatives to USAA and The General

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Root
52%
Available in 30 states
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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