Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 29, 2021

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The Lowdown

  • Both Allstate and USAA have strong customer satisfaction ratings and a bright financial future.
  • USAA offers auto insurance only to military affiliates and their immediate family members.
  • USAA auto insurance rates are generally about half that of Allstate; however, Allstate has a wider variety of discounts that keep its rates competitive.

This Allstate vs. USAA auto insurance review will provide a wide variety of auto insurance coverage options while analyzing rates based on your unique qualities, such as age, gender, marital status, driving record, and credit score.

We also include external ratings from the most trustworthy agencies and compare Allstate vs. USAA insurance discounts, coverage types, and usage-based insurance programs.

Continue reading to compare Allstate vs. USAA auto insurance, or enter your ZIP code to find affordable auto insurance rates in your area.

Allstate vs USAA Auto Insurance: Which is cheaper based on age?

In calculating auto insurance rates, providers use age as one of the most significant variables. Let’s compare auto insurance rates for Allstate and USAA based on age, gender, and marital status.

Allstate vs. USAA Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesUSAA Average Annual Rates
Single 17-year-old female$9,282$4,808
Single 17-year-old male$10,643$5,386
Single 25-year-old female$3,425$1,989
Single 25-year-old male$3,571$2,126
Married 35-year-old female$3,156$1,551
Married 35-year-old male$3,123$1,540
Married 60-year-old female$2,913$1,450
Married 60-year-old male$2,991$1,449
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USAA auto insurance rates are about half of what Allstate charges no matter your age, gender, or marital status.

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Allstate vs. USAA Auto Insurance: Which is cheaper based on driving record?

No matter what insurer you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your auto insurance premiums and could get you labeled as a high-risk driver.

Allstate vs. USAA Average Annual Auto Insurance Rates by Driving Record
InfractionAllstate Average Annual RatesUSAA Average Annual Rates
Clean record$3,820$1,934
With one speeding violation$4,484$2,193
With one accident$4,988$2,516
With one DUI$6,261$3,506
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Again, USAA auto insurance rates are about half the price of Allstate car insurance rates based on your driving record. But, just as important as initial rates based on driving record is how an auto insurance company may penalize its current customers for infractions.

Both USAA and Allstate take infractions seriously. Allstate car insurance rates increase by 17%-64% as you rack up speeding tickets, cause accidents, or drive under the influence.

USAA, however, is even more punitive. If you get a speeding ticket, cause an accident, or get a DUI with USAA, expect your rates to increase by 13%-81%.

Allstate vs. USAA Auto Insurance: Which is cheaper based on credit score?

Auto insurance providers justify using your credit score to decide your rates based on the premise that people with higher credit scores are more responsible and that, overall, they’re less likely to file a claim.

It is legal for auto insurance providers to base premiums on your credit score in most states; however, some have banned this practice along with gender and marital status dependent rates.

Let’s take a look at how your credit score could impact your USAA and Allstate auto insurance quotes.

Allstate vs. USAA Average Annual Auto Insurance Rates by Credit History
Credit ScoreAllstate Average Annual RatesUSAA Average Annual Rates
Good Credit (670-739)$3,860$1,821
Fair Credit Score (580-669)$4,581$2,220
Poor Credit Score (300-579)$6,491$3,691
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USAA is usually going to have the best rates initially because they offer services only to military affiliates and their family members. However, USAA does take a quickly dropping credit score fairly seriously.

If you choose USAA, expect your rates to more than double if your credit score tanks. With Allstate, however, your rates will increase by only 68%.

Before you judge the rates of these two companies based on credit score alone, learn about the specifications of your state’s minimum car insurance requirements and compare rates from several companies.

Does Allstate or USAA have better auto insurance discounts?

Discounts from car insurance providers vary widely, and they are typically focused on the principles and ideology of the company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.

Allstate vs. USAA Auto Insurance Discounts
DiscountsAllstate Discounts Offered and PercentageUSAA Discounts Offered and Percentage
Anti-lock Brakes10n/a
Anti-Theft10n/a
Claim Free3512
Daytime Running Lights2n/a
Defensive Driver103
Distant Student35n/a
Driver's Ed103
Driving Device/App205
Early Signing1012
Electronic Stability Control2n/a
Family Legacyn/a10
Farm Vehicle10n/a
Full Payment10n/a
Garaging/Storingn/a90
Good Student203
Green Vehicle10n/a
Military Garagingn/a15
Multiple Policies10n/a
Newer Vehicle3012
On Time Payments5n/a
Paperless Documents10n/a
Paperless/Auto Billing53
Passive Restraint30n/a
Safe Driver4512
Senior Driver10n/a
Utility Vehicle15n/a
Vehicle Recovery10n/a
Young Drivern/a$75
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Allstate has a much wider variety of auto insurance discounts than USAA has to offer, so even if you are affiliated with the military, you may be able to save just as much with Allstate once you layer on discounts.

You can save 20% to 45% with Allstate if you’re a safe driver, claim-free, a good student, a distant student, or you drive a newer model car with airbags.

The highest discount you can get with USAA is 90%; however, that discount is reserved for military members who are deployed and need to store their vehicles while they are out of the country.

The discounts offered by auto insurance providers also target particular categories of drivers, so be sure to inquire about any extra discounts that are available when you get your USAA and Allstate quotes.

You may also have the option to save more by bundling with your life insurance policy or home insurance policy.

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Does Allstate or USAA have better auto insurance mobile apps?

In the last decade or so, usage-based auto insurance has become an industry standard, and all of the larger auto insurance providers have a telematic device you can install into your car or a driving app you can download on your smartphone.

A more general app is also offered by major auto insurance providers to allow you to access your policy, make adjustments, and pay your bill. Usually, in both the general app and the driving app, your Allstate insurance login or USAA login would be the same.

After you buy auto insurance from Allstate or USAA, you can use the companies’ online services to monitor your policy. You can even use your My Allstate login or a USAA login to check other insurance policies. You can also contact both companies directly by calling the Allstate or USAA number for assistance.

How do Allstate and USAA auto insurance compare in financial strength and customer satisfaction?

It’s a major financial commitment to buy car insurance, so you want to be sure you’re choosing the right company that will have your back when you need it.

Before you make your decision, you should consider the financial strength of a company, consumer satisfaction with the claims process, and customer complaints.

Insight into these factors is provided by the following agencies:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction with the Allstate claims process and the USAA claims process.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. The lower the ratio, the better.

Let’s take a look at ratings from these credible third-party agencies for Allstate and USAA.

Allstate vs. USAA Company Ratings
Consumer ReportsAllstateUSAA
AM Best RatingA+A++
Consumer Reports8895
NAIC Company Complaint Ratio0.50.74
NAIC Total Complaints163296
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Both Allstate and USAA are highly rated when it comes to their financial histories and futures. Customers that go through the claims process are much more satisfied with USAA than Allstate; however, an 88 is still a very strong score. Both companies manage their complaints well.

What types of auto insurance coverages are offered by Allstate and USAA?

Since Allstate and USAA are two of the 10 companies that make up the majority of the auto insurance market share, they have the means to provide a broader range of coverages for auto insurance that go beyond the six standard coverages mentioned below.

Before you buy car insurance, make sure you understand all of your options for auto insurance coverage:

  • Liability auto insurance coverage (bodily injury and property damage)
  • Comprehensive auto insurance coverage
  • Collision auto insurance coverage
  • Uninsured/underinsured auto insurance coverage
  • Medical payments (MedPay) auto insurance coverage (particularly important in states that require no-fault auto insurance)
  • Personal injury protection (PIP) auto insurance coverage

Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for recreational vehicles such as ATVs or boats.

Ready to buy auto insurance? When you’re not sure which company to choose between Allstate vs. USAA or any other company, you can always use our FREE comparison tool to compare auto insurance quotes from insurance companies in your area.