USAA vs. The General: Which provider is better? | finder.com

USAA vs. The General: Which provider is better?

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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.

  • 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
Promoted
USAA

USAA

The General

The General

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. 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.
Price Policy 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 served All 50 states 46
User satisfaction* A+ A+
J.D. Power ratings** 5/5 on overall claims satisfaction N/A
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

The General

The General

Good student
Defensive driver
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


Vehicle discounts

USAA

USAA

The General

The General

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)

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 Available states
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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