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USAA vs. The General: Which provider is better?

USAA vs. The General

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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

Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

  • Some of the lowest rates and highest customer satisfaction
  • Geared for military, including overseas car-buying support and flexible payments
  • 24/7 online policy management from bills to claims
  • Earn dividends from company profits

USAA

The General

OVERVIEW

OVERVIEW
About the provider
About the brand Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family. Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
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
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Phone
App
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 Yes 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
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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