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Allstate vs. USAA Insurance
Which insurance provider is right for you? Compare products, costs and quotes from Allstate and USAA.
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Allstate vs. USAA: What You Need to Know
Founded in 1931, Allstate is the nation’s largest publicly held personal lines insurer. It was founded by former Sears, Roebuck & Co President and Board Chairman, General Robert E. Wood, who initially sold policies through the mail, an innovative business move. The name Allstate was taken from a tire sold in the Sears catalog and the first sales location was in a Chicago Sears store. The first claim paid was to a man who showed up at the office holding a car door handle in his hand after an attempted car theft.
USAA is an organization founded by military members for military members and their families. USAA was founded in the 1920s, during a time of social and political change. In San Antonio, Texas, 25 army officers met to insure each other’s vehicles and named William Garrison as the first president. This tiny group of men would later turn into one of the largest insurance companies, serving millions of members and becoming a fully integrated financial services organization.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Allstate Overview and USAA Overview.
Allstate vs. USAA: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Allstate and USAA. On average, Allstate charges approximately $211.63 per month while USAA comes in at around $118.73 per month. For Allstate, the cheapest state average is North Carolina at $116.87 per month and the most expensive is Michigan at $603.57 per month. For USAA, the cheapest state average is Maine at $64.59 per month and the most expensive is Nevada at $174.52 per month.
Average Rate
Average Rate
Average Rate
| State | Allstate | USAA |
|---|---|---|
| Alabama | $152.45 | $114.51 |
| Arizona | $221.80 | $109.39 |
| Arkansas | $200.22 | $87.44 |
| California | $182.31 | $149.19 |
| Colorado | $207.75 | $114.79 |
| Connecticut | $225.65 | $115.72 |
| Delaware | $277.27 | $90.69 |
| District of Columbia | $312.48 | $121.33 |
| Florida | $226.29 | - |
| Georgia | $206.52 | $113.93 |
| Hawaii | $128.98 | $85.39 |
| Idaho | $137.40 | $65.78 |
| Illinois | $236.71 | $130.38 |
| Indiana | $171.89 | $76.06 |
| Iowa | $148.08 | $103.61 |
| Kansas | $237.36 | $107.24 |
| Kentucky | $208.69 | $124.68 |
| Louisiana | $505.60 | $162.40 |
| Maine | $123.78 | $64.59 |
| Maryland | $241.70 | $99.03 |
| Massachusetts | $197.89 | $112.55 |
| Michigan | $603.57 | $104.63 |
| Minnesota | $212.42 | $101.36 |
| Mississippi | $202.72 | $89.64 |
| Missouri | $159.82 | $74.57 |
| Montana | $204.42 | $95.37 |
| Nebraska | $180.58 | $134.69 |
| Nevada | $287.59 | $174.52 |
| New Hampshire | $260.40 | - |
| New Jersey | $217.77 | - |
| New Mexico | $214.39 | $107.21 |
| New York | $213.95 | $144.89 |
| North Carolina | $116.87 | - |
| Ohio | $147.41 | $68.49 |
| Oklahoma | $171.54 | $102.96 |
| Oregon | $178.20 | $83.64 |
| Pennsylvania | $199.37 | $172.17 |
| Rhode Island | $250.31 | $87.48 |
| South Carolina | $173.18 | $97.13 |
| South Dakota | $233.59 | - |
| Tennessee | $175.62 | $81.94 |
| Texas | $218.66 | $125.72 |
| Utah | $157.36 | $80.01 |
| Virginia | $189.24 | $81.72 |
| Washington | $166.28 | $90.78 |
| West Virginia | $227.84 | - |
| Wisconsin | $171.12 | $68.75 |
Allstate vs. USAA: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Allstate and USAA typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Allstate | USAA |
|---|---|---|
| 1 Vehicle | $196.03 | $110.14 |
| 2 Vehicles | $303.70 | $171.38 |
Allstate vs. USAA: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Allstate charges $230.22 per month and USAA charges $122.21 per month for customers who own their home.
| Own/Rent | Allstate | USAA |
|---|---|---|
| Own | $230.22 | $122.21 |
| Rent | $206.41 | $117.77 |
What Are Allstate and USAA's Insurance Ratings?
Which car insurance company is the best? Compare ratings for Allstate and USAA. Both companies have excellent financial strength. Allstate received an A- from the Better Business Bureau (BBB) compared with a B- for USAA. USAA, on the other hand, has slightly lower complaint ratio according to the NAIC Complaint Index at 1.01.
| Comparison | Allstate | USAA |
|---|---|---|
| Year Founded | 1931 | 1922 |
| Market Share | 4.9% | |
| BBB Rating | A- | B- |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | Among the best |
| Moody’s Rating | Aa3 | |
| NAIC Complaint Index | 1.03 | 1.01 |
| S&P Rating | AA- | AA+ |
Allstate or USAA: Insurance Products Offered
What coverage is available through Allstate and USAA? Both insurance carriers offer Auto, Home, Life, Renters, Motorcycle and Condo coverage to their policyholders. Allstate also offers Business insurance and more. USAA also offers a suite of products that Allstate does, not such as Rideshare, Watercraft, and Pet insurance. A full list of coverage is listed below.
| Insurance | Allstate | USAA |
|---|---|---|
| Aviation Insurance | ✔ | |
| Business Insurance | ✔ | ✔ |
| Car Insurance | ✔ | ✔ |
| Car Purchase Financing | ✔ | |
| Collectibles Insurance | ✔ | ✔ |
| Collector Car Insurance | ✔ | |
| Condo Insurance | ✔ | ✔ |
| Dental Insurance | ✔ | |
| Farm And Ranch Insurance | ✔ | ✔ |
| Fixed Annuities | ✔ | ✔ |
| Flood Insurance | ✔ | ✔ |
| Homeowners Insurance | ✔ | ✔ |
| Landlord Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Major Medical | ✔ | ✔ |
| Medicare | ✔ | ✔ |
| Mobile Home Insurance | ✔ | ✔ |
| Mobile Phone Protection | ✔ | |
| Motorcycle Insurance | ✔ | ✔ |
| Motorhome Insurance | ✔ | ✔ |
| Pet Insurance | ✔ | ✔ |
| Rental Property Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| Retirement Planning | ✔ | ✔ |
| Rideshare Insurance | ✔ | ✔ |
| Roadside Assistance Coverage | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
| Small Business Insurance | ✔ | ✔ |
| Travel Insurance | ✔ | |
| Umbrella Insurance | ✔ | ✔ |
| Valuable Personal Property Insurance | ✔ | ✔ |
| Vision Insurance | ✔ | |
| Watercraft Insurance | ✔ | ✔ |
Allstate or USAA: Ways to Save
Who doesn't like saving money on their car insurance? With Allstate and USAA there are numerous opportunities to save. Below is a list of auto insurance discounts that the two companies offer. See if you qualify.
| Allstate | USAA |
|---|---|
| Allstate eSmart Discount | Annual Mileage |
| Anti-Lock Brake Discount | Automatic Payments Discount |
| Anti-Theft Device Discount | Defensive Driving Course Discount |
| Deductible Rewards | Discount for Driving Research (telematics) |
| Early Signing Discount | Driver Training Course Discount |
| EZ Pay Plan Discount | Family Discount |
| FullPay Discount | Good Student Discount |
| Multi-Policy Discount | Military Installation |
| New Car Discount | Multi-Policy Discount |
| Responsible Payer Discount | New Vehicle Discount |
| Safe Driving Bonus | Premier Driver Discount |
| Smart Student Discount |
Pros & Cons of Allstate & USAA
Pros
Allstate
- Allstate is the third-largest auto insurer in the U.S and offers insurance in all states.
- There are more than 19,000 independent contractor agents across the country so it’s easy to find an agent in your area.
- Allstate offers a range of insurance packages that can be customized.
- The Allstate app is very helpful for managing your account.
USAA
- USAA offers financial literacy classes to its members as well as retirement planning.
- The USAA app is easy to use and very helpful for managing your account.
Cons
Allstate
USAA
- USAA mainly offers coverage to military members and their families.
Allstate or USAA Mobile Apps Options
The Allstate Mobile app is available for iOS and Android. It offers instant agent access, digital ID cards, the ability to see policy documents, choose modes of communication and manage claims with the option of uploading photos of damage after an accident. Drivewise measures safe driving behavior and can earn customers discounts. The app also features an Escape Route that creates a safe path to exit a fire.
The USAA Mobile app is available for iOS and Android. It gives users convenient and secure access to their accounts to manage finances, investments, insurance and more.
| Allstate Mobile App | ||
|---|---|---|
| iOS | 4.8 | 238K user reviews |
| Android | 4.4 | 28K user reviews |
| USAA Mobile App | ||
|---|---|---|
| iOS | 4.8 | 432K user reviews |
| Android | 4.6 | 125K user reviews |
Allstate & USAA Contact Info
| Allstate Contact Info | |
|---|---|
| Address | P.O. Box 660598, Dallas, TX 75266-0598 |
| Phone | 1-877-810-2920 |
| Website | https://www.allstate.com |
| https://www.facebook.com/allstate | |
| https://twitter.com/allstate | |
| Youtube | https://www.youtube.com/allstate |
| https://www.linkedin.com/company/allstate/ | |
| USAA Contact Info | |
|---|---|
| Address | 9800 Fredericksburg Rd., San Antonio, TX 78288 |
| Phone | 1-800-531-8722 |
| Website | https://www.usaa.com/ |
| https://www.facebook.com/USAA/ | |
| https://twitter.com/USAA | |
| Youtube | https://www.youtube.com/channel |
| https://www.linkedin.com/company/usaa/ | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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