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USAA and Allstate are two of the biggest names in car insurance, with USAA serving active and retired members of the military and their immediate family and Allstate available to everyone. If you qualify for both, you may be comparing USAA vs. Allstate and asking yourself which is the better choice.

We’ve reviewed the best car insurance companies in the nation, and now we’re putting USAA and Allstate to the test to see which provider has the best coverage, car insurance rates, customer service, and more. But remember, just because an auto insurance provider is right for one person doesn’t mean it’s right for another, so you’ll want to weigh the pros and cons of each company.

You can use the tool above to start comparing free car insurance quotes from both providers.

 

In this article:

 


 

USAA And Allstate Highlights

When you compare USAA vs. Allstate, each car insurance company has its strengths and weaknesses. We found USAA to be the best car insurance for veterans and military personnel. Allstate, on the other hand, is a smart option for teen and student drivers, given its discounts for both age groups. See our head-to-head car insurance comparison below.

  USAA Allstate

Overall Rating

5.0

4.0

Availability

For military members, available in 50 states

No restrictions, available in 50 states

Coverage

4.5

4.0

Cost

4.5 

3.0

Customer Service

5.0

3.5

AM Best Financial Strength Rating

A++

A+

J.D. Power Claims Satisfaction 

890/1,000

876/1,000

Mobile App Google Play Rating

4.6

2.4

 

USAA and Allstate are not just top-notch car insurance providers. They also offer home insurance, motorcycle insurance, small business insurance, and other financial products and services. While USAA and Allstate both boast strong industry reputations and positive customer reviews, keep reading to see how they compare based on coverage, cost, and ratings.

 


 

USAA Vs. Allstate: Coverage

When it comes to coverage, most companies offer the same six standard types of car insurance and a variety of add-ons. Here’s a closer look at Allstate vs. USAA and their additional coverage options:

  USAA Allstate

Bodily Injury Liability (BI)

Property Damage Liability (PD)

Collision

Comprehensive

Personal Injury Protection (PIP)

Medical Payments (MedPay)

Uninsured/Underinsured Motorist (UM/UIM)

Roadside Assistance

Rental Car Reimbursement

Rideshare Insurance

Accident Forgiveness

Sound System Insurance

 

Mexico Tourist Car Insurance

 

 

Liability auto insurance is required in almost every state, while other standard coverages will depend on where you live and whether you own or lease your vehicle. Consider your state requirements and personal driving history when deciding how much car insurance to purchase from either USAA or Allstate.

  • Liability insurance: BI and PD insurance cover the injuries and property damage of other drivers and their passengers in accidents that you cause.
  • Collision: This type of insurance covers your vehicle no matter who is at fault.
  • Comprehensive: Comprehensive car insurance covers your vehicle from environmental factors such as floods, fires, and fallen tree branches, as well as things like theft and vandalism.
  • Personal injury protection: PIP covers medical expenses, lost wages, and death benefits for you and your passengers, no matter who is at fault. It is required in no-fault states.
  • Medical payments: MedPay covers medical expenses for you and your passengers.
  • Uninsured/underinsured motorist coverage: This type of coverage protects you from at-fault drivers with no insurance or too little insurance.

 


 

USAA Vs. Allstate: Cost And Discounts

The cost of auto insurance depends on many factors. Your age, gender, driving history, and credit score are just a few of the things that can affect your premium. In many cases, we found that USAA offers much more affordable coverage than Allstate.

In our industry-wide review, we gave USAA 4.5 stars for cost and Allstate 3.0 stars. If you're searching for cheap car insurance, Allstate may not be the best choice. The insurer tends to be one of the most expensive car insurance providers around.

Fortunately, both providers have many discounts that could help you save money on your car insurance policy. Here's are the discount offerings from USAA vs. Allstate:

  USAA Allstate

Multiple Policy

Good Student

Safe Driver

New Vehicle

Anti-Theft

 

Anti-Lock Brakes

 

Automatic Payment

 

Paperless

 

Early Signing

 

Responsible Payer

 

Pay in Full

 

Multiple Vehicle

 

Defensive Driving

 

Driver Training

 

Annual Mileage

 

Vehicle Storage

 

Military Installation

 

Family Discount

 

Length of Membership Savings

 
 

We like USAA’s unique discounts for vehicle storage and military installation. Customers can get up to 60 percent off if they store their insured vehicles on a military base and up to 15 percent off comprehensive coverage for garaging a vehicle on base.

Allstate has a number of discounts that center around billing, so if you know how to manage your payments, you could save money.

SafePilotTM And Drivewise®

Like most major car insurance providers, USAA and State Farm have safe driving programs that can get you a discount on your premium.

Comparing USAA vs. Allstate, the providers are on an even playing field. USAA’s SafePilotTM and Allstate’s Drivewise both monitor your driving habits via a mobile app or plug-in device. Your car insurance rates will never go up – they will only go down or stay the same.

 


 

USAA Vs. Allstate: Ratings And Reviews

Ratings by industry experts are positive for both car insurance companies. USAA earned an A++ financial strength rating from AM Best, while Allstate earned an A+, so you know that both providers have the ability to pay out claims. At one point, the BBB had given USAA and Allstate A+ ratings. However, USAA now has an A-.

Both USAA and Allstate have online and over-the-phone quotes services. USAA performed best in the J.D. Power 2020 U.S. Insurance Shopping Study℠, earning 900 out of a possible 1,000 points based on customer satisfaction ratings. Allstate earned 858 points in the same study.

When we compared Allstate vs. USAA claims, we found that both auto insurance companies offer claims services online and by phone as well. USAA and Allstate customers can also file and track claims on respective company mobile apps.

Overall, USAA provides a better claims experience than Allstate. In the J.D. Power 2020 U.S. Auto Claims Satisfaction Study℠, USAA scored 890 out of a possible 1,000 points and Allstate scored 876. 

USAA Customer Reviews

Positive customer reviews for USAA highlight the smooth claims process and friendly customer service representatives, while negative reviews mention a lack of communication and trouble with cancellations.

“USAA Insurance really demonstrates that you can operate in a moral and efficient manner as an insurance company… Within a short period of time [after an accident], they had assigned and paid a fair value of my car (with no haggling needed from me), and ensured that everything that needed to be handled was.” 

- Andrew D. via BBB

“USAA makes it absolutely difficult to contact the organization to resolve issues, update or cancel services, or in general ask questions… I have recently decided I had enough of the lack of support and have tried to cancel accounts, and I end up on hold for hours waiting for someone to answer the phone." 

- Anonymous via BBB

Allstate Customer Reviews

Comparing USAA vs. Allstate, you will find that Allstate has loyal customers that praise representatives’ willingness to go above and beyond. But negative reviews call out Allstate’s inability to fulfill certain types of coverage and drivers having issues with Allstate after being hit by an Allstate driver.

“Been with this company over 13 years. They have always been extremely helpful! Car wreck, no problems, taken care of so very well. Tree on house. [The representative] was right there offering to put up tarps while it was still raining.” 

- Christina M. via BBB

“Allstate has refused to cover my rental vehicle after a no-fault accident in which their [policyholder] rear-ended me… I'm prepared to take legal action against Allstate for their unethical, snaky, and unprofessional actions in light of this nightmarish experience.” 

- Kathryn K. via BBB

 


 

Allstate Vs USAA: Which Is Best?

At the end of the day, USAA pulls ahead in our comparison of USAA vs. Allstate. But the reality is that not everyone qualifies for USAA auto insurance. If you’re not in the military or directly related to a military member, Allstate offers extensive coverage, and some drivers have great things to say about the company’s customer service. 

When you’re looking for a new car insurance company, it’s a good idea to compare quotes from multiple insurers. Auto insurance rates are affected not only by the provider you choose but by factors like your age, vehicle make and model, and driving history – so the company that’s best for your neighbor may not be what’s best for you.

Use the tool below to start getting free, personalized car insurance estimates and compare car insurance quotes from USAA, Allstate, and more.

 

To learn more about these providers, read our complete USAA insurance review and Allstate insurance review.

 

 


 

Other Top Recommendations For Car Insurance

USAA and Allstate are smart choices for auto insurance, but they aren’t the only providers out there. We recommend Geico as the best overall provider in the industry and Progressive for drivers in their 20s and high-risk drivers.

Geico: Best Overall

Geico Insurance logo

Geico has a huge reputation for its low rates and variety of car insurance coverage. The provider is recognized by leaders like AM Best (it has an A++ financial strength rating) and the BBB (A+ rating).

With Geico, you can get standard coverage and more, like roadside assistance, rental car reimbursement, and mechanical breakdown insurance – which is similar to an extended auto warranty. Geico also has a wide variety of discounts, including:

  • Military discount
  • Good student discount
  • Safe driver discount
  • Multi-vehicle discount
  • Federal employee discount

For more information, read our full Geico review.

Progressive: Best For High-Risk Drivers

Progressive Insurance logo

If you’re a young driver or have a few accidents on your record, Progressive car insurance may be the best option for you. We found the auto insurance provider to be a great choice for high-risk drivers, as it has rates that don’t increase as much as other industry leaders.

Progressive offers standard car insurance and other types of coverage, such as roadside assistance, rental car reimbursement, and custom parts and equipment value coverage. The auto insurer has great technology, too, that can make getting a quote or monitoring your driving habits easy.

For more information, read our full Progressive insurance review.

To collect and compare quotes from multiple providers, use the free tool below:

 
 

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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