Allstate vs USAA

Compare car insurance for Allstate vs USAA by looking at rates and customer satisfaction. AM Best ranked both companies on customer satisfaction and gave USSAA an A++ and Allstate an A+.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • Allstate and USAA are both superior insurance companies
  • Each company offers a unique set of discounts for its customers
  • USAA has limits regarding membership while Allstate is open to the public


USAA or Allstate? Many people are on a budget, and savvy insurance shoppers will research and compare car insurance companies before deciding which one to use.

Two of the larger companies are Allstate and USAA. They each have their own benefits, many of which are similar.

The oldest company, founded in 1922 is USAA. Allstate was founded in 1931. Both have grown quite a lot since then. Over 7 million members are served by USAA while Allstate has 17 million households with its services.

Allstate and USAA both have good reputations, earning high rankings and many rewards. A.M. Best gives USAA an A++ rating and Allstate has a rating of A+; both are considered “Superior” ratings.

Many awards for best place to work for minorities have been given to Allstate. USAA has been ranked one of Business Week’s top two “Customer Service Champs” the last four years in a row.

To get started comparing insurance quotes from multiple companies today, simply type your zip code in the box above!

Insurance Coverage with Allstate and USAA

Each company offers many choices of products and services for insurance needs. Vehicle insurance for both companies includes:

  • Auto
  • Motorcycle
  • Recreational vehicles such as boats, motor homes and ATVs (Snowmobiles are included by Allstate; USAA covers aviation vehicles as an extra option.)
  • Commercial vehicles

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USAA vs Allstate Discounts

Discounts are available for many reasons. Accident Forgiveness is a discount that both companies offer.

USAA has it currently established in more states, though Allstate is working toward making it available more places in the future.

USAA offers a $50 discount for getting a quote online in most states. Allstate, on the other hand, includes more discounts within a policy once it has been started.

Customer Service with Allstate and USAA

Customer service is important, but conducted differently for each provider. Methods are:

  • Toll-free number — Available 24/7 with Allstate while USAA’s toll-free number is only available during regular business hours.
  • Local offices with an agent — only available for Allstate
  • Email and land mail correspondence — available for both companies.

Membership Eligibility with USAA and Allstate

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Membership is restricted to military personnel and their family with USAA while Allstate provides services to any public citizen.

USAA membership is open to:

  • Active, retired and honorably separated officers and enlisted personnel of the U.S. military
  • Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS)
  • Adult children of USAA members who have or had a USAA auto or property insurance policy
  • Widows and widowers of USAA members who have or had a USAA auto or property insurance policy

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Comparing Allstate and USAA Quotes

Websites for each company give much more detail about products and services offered. This is a great way to further compare the benefits that suit individual needs.

Both company sites offer online forms to get quotes, which is convenient for most people.

Of course, why not compare quotes from many companies all at once to see who has the best rates? Enter your zip code to get started now!

References:

  1. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true
  2. https://www.allstate.com
  3. https://www.ambest.com/home/default.aspx
  4. https://www.bloomberg.com/businessweek
  5. https://www.fema.gov/recreational-vehicle

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