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 $236.83 per month while USAA comes in at around $121.31 per month. For Allstate, the cheapest state average is North Carolina at $113.38 per month and the most expensive is Michigan at $704.86 per month. For USAA, the cheapest state average is Maine at $54.03 per month and the most expensive is New York at $203.08 per month.

Allstate

Average Rate

$236.83
USAA

Average Rate

$121.31
National

Average Rate

$120.03
State Allstate USAA
Alabama $148.13 $107.57
Alaska $183.24 $90.06
Arizona $238.72 $108.12
Arkansas $196.64 $75.60
California $176.43 $162.35
Colorado $165.31 $99.51
Connecticut $264.26 $117.47
Delaware $224.79 $74.60
District of Columbia $295.04 $83.08
Florida $235.29 -
Georgia $205.09 $123.95
Hawaii $119.54 $85.50
Idaho $140.94 $56.88
Illinois $222.17 $113.26
Indiana $150.90 $65.55
Iowa $142.02 $71.58
Kansas $188.48 $88.49
Kentucky $227.56 $101.58
Louisiana $302.45 $157.09
Maine $126.45 $54.03
Maryland $227.57 $135.91
Massachusetts $203.90 $118.68
Michigan $704.86 $131.32
Minnesota $187.23 $100.05
Mississippi $245.14 $81.10
Missouri $146.51 $68.82
Montana $202.80 $78.61
Nebraska $147.62 $88.28
Nevada $285.87 $130.02
New Hampshire $176.97 -
New Jersey $226.32 -
New Mexico $198.28 $90.30
New York $291.65 $203.08
North Carolina $113.38 -
North Dakota $188.27 $62.55
Ohio $143.84 $66.86
Oklahoma $178.62 $111.77
Oregon $179.26 $81.78
Pennsylvania $211.20 $93.55
Rhode Island $270.04 $123.62
South Carolina $145.83 $100.15
South Dakota $175.10 -
Tennessee $174.35 $84.53
Texas $261.41 $122.68
Utah $164.60 $81.80
Vermont $144.73 -
Virginia $187.55 $87.97
Washington $155.82 $80.19
West Virginia $204.19 -
Wisconsin $179.74 $59.57
Wyoming $204.40 $100.67

Allstate vs. USAA: Rates by Number of Vehicle

Home

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 $220.76 $111.36
2 Vehicles $298.30 $159.11
3 Vehicles $456.45 $225.52
4 Vehicles $520.54 $268.37

Allstate vs. USAA: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Allstate charges $237.21 per month and USAA charges $118.97 per month for customers who own their home.

Own/Rent Allstate USAA
Own $237.21 $118.97
Rent $236.67 $122.30

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.

ComparisonAllstateUSAA
Year Founded19311922
Market Share4.9%
A.M. Best RatingA+A++
BBB RatingA-B-
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageAmong the best
Moody’s RatingAa3
NAIC Complaint Index1.031.01
S&P RatingAA-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.

AllstateUSAA
Allstate eSmart DiscountAnnual Mileage
Anti-Lock Brake DiscountAutomatic Payments Discount
Anti-Theft Device DiscountDefensive Driving Course Discount
Deductible RewardsDiscount for Driving Research (telematics)
Early Signing DiscountDriver Training Course Discount
EZ Pay Plan DiscountFamily Discount
FullPay DiscountGood Student Discount
Multi-Policy DiscountMilitary Installation
New Car DiscountMulti-Policy Discount
Responsible Payer DiscountNew Vehicle Discount
Safe Driving BonusPremier 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
  • Allstate does not offer rideshare insurance for Uber and Lyft drivers.
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     4.8238K user reviews
Android     4.428K user reviews
USAA Mobile App
iOS     4.8432K user reviews
Android     4.6125K user reviews

Allstate & USAA Contact Info

Allstate Contact Info
AddressP.O. Box 660598, Dallas, TX 75266-0598
Phone1-877-810-2920
Websitehttps://www.allstate.com
Facebookhttps://www.facebook.com/allstate
Twitterhttps://twitter.com/allstate
Youtubehttps://www.youtube.com/allstate
Linkedinhttps://www.linkedin.com/company/allstate/
USAA Contact Info
Address9800 Fredericksburg Rd., San Antonio, TX 78288
Phone1-800-531-8722
Websitehttps://www.usaa.com/
Facebookhttps://www.facebook.com/USAA/
Twitterhttps://twitter.com/USAA
Youtubehttps://www.youtube.com/channel
Linkedinhttps://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.

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