Ameriprise vs. USAA Car Insurance [2021]

When comparing Ameriprise vs. USAA car insurance, each company offers drastically different products. Ameriprise's car insurance is provided by CONNECT from American Family, and USAA only serves military members and their families. Ameriprise has an A+ A.M. Best rating, while USAA has an A++ rating. Choosing between Ameriprise or USAA car insurance companies is mostly based on personal preference.

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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: Aug 11, 2021

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Here's What You Need to Know

  • Ameriprise provides car insurance policies through CONNECT from American Family
  • USAA provides insurance for military members and their family members
  • Both companies have great customer service, but they focus primarily on online transactions

It is essential to get car insurance before getting behind the wheel of a vehicle. This typically isn’t optional. In 48 states, drivers are required to carry vehicle insurance by law.

While drivers seeking cheap car insurance have many options, sorting through them all can take a long time. We can help you find out which insurance provider and coverage is ideal for your car and circumstances by comparing Ameriprise vs. USAA car insurance companies.

Before jumping into this Ameriprise vs. USAA car insurance review, enter your ZIP code in our free comparison tool to get insurance quotes from companies in your area.

What car insurance products do Ameriprise and USAA offer?

Ameriprise auto insurance is available, but the company is better known for its life insurance offerings. Ameriprise’s car insurance policies are provided by CONNECT from American Family car insurance. However, J.D. Power rates Ameriprise first in California car insurance.

Ameriprise offers car insurance savings to Costco customers. Costco executive members, for example, are entitled to free roadside assistance.

Costco’s executive membership costs $120 per year. This is $60 more than a regular Costco membership. The roadside assistance feature helps to offset the executive membership cost. You also save money on vehicle insurance.

You do not, however, need to be a Costco member to join Ameriprise. It has a wide range of car insurance choices for most states in the U.S.

Ameriprise is still primarily concerned with investment. As a result, the company’s website and app cater to this service. This could be a hindrance for some, as it makes it more difficult to manage your policy efficiently.

The USAA car insurance reviews are predominantly excellent. The company is well-known for its low prices and great customer service. It’s one of just two providers with a J.D. Power rating of 5/5.

USAA provides insurance for military members and their families. It offers coverages including comprehensive, collision, liability, uninsured or underinsured, and full coverage.

If you remain accident-free for five years with USAA, the company will not increase your rates for your first at-fault accident.

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How much are Ameriprise vs. USAA car insurance rates?

Depending on your driving history and other factors, Ameriprise car insurance rates can vary, with prices being higher for younger drivers.

Ameriprise, for example, had the second-lowest rates among competitors for a 30-year-old single man with a clean driving record. However, Ameriprise is much more costly for a single 20-year-old woman with a clean driving record.

When an at-fault accident is added to otherwise clean driver profiles, a similar trend emerges: younger drivers pay more.

And how much is USAA car insurance? According to our research, USAA is one of the cheapest car insurance providers, with an average annual rate of $875.

Which company has better discounts?

We know everyone wants to most affordable Ameriprise or USAA car insurance quotes. Shopping for discounts is a great way to ensure you’re getting the best price.

Ameriprise is known for providing a broad range of car insurance savings opportunities. The majority of the discounts are pretty common: discounts for combining policies, insuring several cars, completing a defensive driving course, and having specific vehicle safety features.

There are, however, a few discounts that are exclusive to Ameriprise, such as garaging, tenure, education, and premium safety.

Below, you can see how Ameriprise and USAA stack up against each other and other major car insurance companies for discount offerings:

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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While USAA has more than a dozen discount choices, it does not have as many as Ameriprise. Remember that not every discount is available in all states.

Many of USAA’s discounts are standard in the car insurance industry, but others are unique to the company’s goal to assist military families.

How can I get quotes and file claims?

If you’d like to get a quote for Ameriprise car insurance, you should call CONNECT at (888) 554-6368.

You may submit a claim and view your policy from Ameriprise online or via the company’s mobile app. You have the option of paying your insurance premiums all at once or in monthly installments.

You may fill out a USAA quote form on the company’s website. You can only submit a claim with USAA online. There is no way to submit a claim over the phone, and there is no claims assistance number to contact. This may be a temporary change to procedures due to COVID-19.

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How can I contact Ameriprise or USAA?

Ameriprise provides an easy-to-use digital experience. The website is straightforward and has a wealth of information on various coverages and discounts, payment options, the claims procedure, and much more.

You can also call the Ameriprise insurance phone number at (800) 862-7919. Ameriprise will also provide you with the following tools and resources:

  • Online quote generator
  • Claims submission through the internet
  • Tips and instructive materials (available in the Learning Center)
  • Roadside assistance, ID cards, and claim monitoring available via mobile app

You can contact USAA directly from its official website or call (210) 531-USAA or (800) 531-USAA for more information. You can also use the company’s mailing address: 9800 Fredericksburg Road, San Antonio, TX 78288.

You can also find USAA on Twitter at the handle @USAA.

Should I buy Ameriprise or USAA car insurance?

Drivers who choose Ameriprise insurance will have access to extensive coverage choices, a range of savings possibilities, useful digital tools, and quick claims processing.

The company also has good financial strength, which indicates that it has the money to pay you in the event of a covered loss.

USAA is a reliable insurance provider for current and former military personnel, as well as eligible family members.

USAA ranks well in terms of the kinds of insurance and savings offered to consumers, but there is room for improvement in the customer service and claims processing areas.

In the end, it all comes down to personal preferences. You may also want to take some time to read reviews from customers of each company to get an idea of what real policyholders think.

Now that you’ve finished this Ameriprise vs. USAA car insurance review, enter your ZIP code in our tool below to compare other car insurance companies near you.

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