AAA vs. USAA Car Insurance [2022]

AAA and USAA are well-established car insurance companies. AAA is famous for roadside assistance, while USAA has low rates but only services military personnel and their families.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's what you need to know...

  • AAA may be a better option because of their excellent roadside assistance program
  • USAA is only available to those who have served or are currently serving in the military and their families
  • AAA has an overall better customer satisfaction rating
  • USAA provides more comprehensive coverage

Is the Automobile Club of Southern California (AAA) car insurance or the United Services Automobile Association (USAA) car insurance better?

Read through this short comparison of USAA and AAA, and then read the full AAA car insurance review and USAA car insurance review for more detailed information.

When choosing an insurance company, you must always carefully consider what type of plan you’re looking to purchase. The best way to go about finding a new company is getting quotes from all of the major companies in order to find the best deal.

However, sometimes paying a little extra money is worth it.

Use our FREE quote finder to do your own car insurance comparison! Just enter your Zip code above to get started.

What is roadside assistance?

In the case of AAA insurance versus the well-established USAA, you may want to consider AAA for car insurance. AAA has a long history of customer satisfaction with car insurance plans and has a famous roadside assistance program.

The USAA roadside assistance program isn’t quite as reliable and has had a lot of complaints over the years from ConsumerReports and other professional reviewers such as the Better Business Bureau.

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What do you need to know about AAA and USAA?

USAA has a long and established history in this country which gives it the edge when acquiring new customers. Perhaps the most profound thing about USAA is their lack of a proper marketing plan.

You almost never see a USAA commercial on TV because they acquire clients on a word-of-mouth or inheritance basis. USAA car insurance is also only available to those who have served or are actively serving in the military and their families.

USAA was such a hegemonic and well-established business that it dominated home and auto insurance from the early 1900’s onward.

This hasn’t kept USAA from retrofitting their policies or their prices, and they have an updated website and powerful E-marketing campaign in the works.

USAA generally has more comprehensive plans than AAA insurance, but AAA still has an overall better customer satisfaction rate when it comes to car insurance, which is probably a result of the emergency roadside service.

For more information on each roadside assistance service provider, check out both AAA’s and USAA’s websites.

What services do you get with each program?

These two roadside assistance plans are pretty comparable. Both plans include the following services:

  • Lockout service
  • Jump starts
  • Flat tire change
  • Emergency fuel delivery
  • Towing service
  • Trip interruption coverage

With AAA roadside assistance coverage, you get a few more options. With AAA’s battery service, a technician will come to your location and test your battery for you or switch out a dead battery for a new one. AAA will also do minor repairs to your vehicle if you are broken down, or tow you to the nearest repair facility. You also get extrication/winching service with AAA.

Which roadside assistance program is cheaper?

Like any kind of auto insurance coverage, the insurance premiums you pay will depend on a variety of factors, including your age, gender, location, credit history, and driving record. It would be best to get a personalized auto insurance quote before making a decision.

Both companies offer the following discounts:

  • Good student discount
  • Multi-policy discount
  • Multi-vehicle discount
  • Safe driver discount
  • Defensive driving discount

AAA does not offer a military discount, so military personnel may find a better deal with USAA.

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Which is better, USAA or AAA?

Both companies offer a wide variety of full-coverage plans and everything in between. USAA is a well-established company with a good track record.

USAA has offices all around the U.S. as does AAA. AAA generally has cheaper auto insurance rates and offers a membership-based roadside assistance program.

Before you narrow down to just USAA and AAA, you should take a look at what other roadside assistance providers have to offer as well. Shop around to find the best deals on car insurance, and you could end up saving more than a hundred dollars yearly.

Enter your zip code in our FREE tool below to start comparing quotes now!

References:

  1. https://www.calif.aaa.com/home/automotive/driving-resources/roadside-assistance.html
  2. https://www.bbb.org/central-texas/business-reviews/insurance-companies/usaa-in-san-antonio-tx-23452/complaints/
  3. https://www.usaa.com/inet/pages/about/
    _usaa_corporate_overview_history
  4. https://www.usaa.com/inet/pages/why_choose_usaa_main?wa_ref=pub_global_usaaandu
  5. https://insurance-quote-review.toptenreviews.com/auto-insurance/aaa-review.html

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