For nearly a century, USAA has provided military personnel and their families with exceptional service, a great reputation for financial strength, and affordable premiums. But even with all these marks in USAA’s favor, it still might not be the ideal car insurance carrier for you. For instance, USAA is only available to active U.S. military members and veterans (and their families)—so if that doesn’t apply to you, you’ll need to look elsewhere for car insurance.
The Pros and Cons of USAA Car Insurance (And Why You Might Want to Switch Insurers)
USAA customers are lucky because their monthly premiums start low and can go even lower with some useful discounts. And with a sizable vehicle storage discount, USAA is a winning option for military members who might be going overseas to serve. The company even has quality financial services products, like checking accounts, credit cards, and mutual funds through USAA Federal Savings Bank.
But as any driver knows, insurance premiums can change frequently. USAA doesn’t offer a loyalty discount, so some customers might find their premiums creep up year after year. And this can particularly happen if you’ve gotten into an accident or had to file any sort of claim. After a few years with USAA, you might find it’s time to seek out an alternative. And one of the best ways to do so is through America’s most highly ranked car and home insurance quote comparison websites, Insurify.
Best USAA Car Insurance Alternatives and Competitors: Find Car Insurance Cheaper Than USAA
While USAA is a great car insurance option for army officers (as well as all members of the military) and their families, USAA members always have other options. If you’re looking for a lower rate or new features, these top competitors are worth checking out as you switch from USAA. Below is a graph comparing the average cost per month of three top USAA competitors––Liberty Mutual, Clearcover, and Nationwide––drawn from Insurify’s proprietary database of millions of individual car insurance quotes.
1. Liberty Mutual
Best Car Insurance Company for Safe Driver Telematics Discounts
One feature that sets Liberty Mutual apart from the crowd is its popular RightTrack telematics program, which can lead to discounts of up to 30 percent for safe drivers. RightTrack keeps an eye on important driving metrics, like how quickly you accelerate, how fast you drive, and how much you drive on average. If you’re someone who takes pride in your safe driving habits, Liberty Mutual might be the right choice for you.
On top of their popular telematics program, Liberty Mutual is a respected mainstay in the car insurance industry, with a financial rating of A from A.M. Best. While Liberty Mutual is praised for its financial strength and sizable discounts, its customer service might leave a bit to be desired. The brand’s J.D. Power and Associates customer service scores are below average, and it has more complaints than average with the NAIC.
While Liberty Mutual’s prices aren’t as low as USAA’s, the company still offers competitive rates. For instance, a 42-year-old woman driving a 2010 Honda Civic 4DX in Texas would pay just $100 per month for Liberty Mutual car insurance, while a 30-year-old woman driving the same car in Texas would pay $152 per month. Liberty Mutual customers pay on average $245 per month.
Best Car Insurance Company for Mobile Policy Management
While Clearcover isn’t available in every state, the customers who do get to work with Clearcover praise the company for having an easy-to-use mobile app. With nearly 4.5/5 stars in the App Store and Google Play store, it’s clear that customers are finding Clearcover’s mobile experience satisfying. If you’re someone who likes handling payments and claims from your phone, Clearcover is definitely worth looking into.
But easy mobile policy management isn’t the only reason to consider Clearcover. The company also has an A- financial strength rating from A.M. Best and zero complaints with the NAIC. Additionally, Clearcover’s prices are hard to beat. For example, a 42-year-old woman driving a 2010 Honda Civic 4DX in Illinois would pay just $54 per month for Clearcover car insurance. The company overall boasts an average insurance rate of just $127 per month.
Best Car Insurance Company for Drivers with Bad Credit
For drivers who might have less-than-perfect credit, Nationwide is certainly an option worth researching. Any driver who has a low credit score knows how hard it can be to find affordable car insurance. Luckily, Nationwide is one major carrier that, on average, won’t saddle you with very high rates if your credit isn’t perfect. And you have the chance to lower your rates further with discounts for safe drivers, households with multiple policies, low-mileage drivers, good students, and more.
Nationwide has an A+ financial strength rating from A.M. Best and above-average scores in the J.D. Power Claims Satisfaction survey. Additionally, most Nationwide drivers aren’t breaking the bank. Nationwide’s average monthly premium of $227 is in the middle of the pack in the industry. A 30-year-old woman driving a 2010 Honda Civic 4DX in Illinois would pay on average $140 per month for Nationwide car insurance.
Here’s how these three insurance companies compare:
|Insurer||AM Best Rating||J.D. Power Claims Satisfaction||Insurify Score||NAIC Complaint Index*||Discounts||Average Monthly Cost|
|Liberty Mutual||A||Below average||82||2.8||Homeowner, student, safety device, safe driver telematics, accident- and violation-free, payment discounts, multi-policy, multi-vehicle, and more||$245|
|Nationwide||A+||Above average||89||1.04||Multi-policy, safe driver, low-mileage, good student, accident-free, anti-theft, telematics, defensive driving||$227|
*A complaint index greater than 1.0 indicates a higher-than-average number of complaints considering the size of the company.
Here are a few other notable car insurance companies:
From its competitive rates to its iconic gecko mascot, it’s no wonder GEICO is the second-largest car insurance carrier in the country. Your premiums will vary based on a variety of factors, but most drivers have the chance for low rates—and GEICO’s multi-vehicle discount or passive restraint discount can lower those rates even more. The company also boasts an A++ financial strength rating from A.M. Best. Two downsides to GEICO are the below-average customer satisfaction scores from J.D. Power and the limited telematics program.
Insurify Composite Score: 87
2. State Farm
As the largest auto insurer in the country, State Farm’s reputation speaks for itself. With an A++ from A.M. Best and above-average rates from J.D. Power, State Farm offers customers financial strength and a satisfying claims process. State Farm also offers low prices for many different types of drivers, and you could save an additional 30 percent if you enroll in the company’s popular telematics program. Amid all these benefits, keep in mind State Farm might not be the ideal choice if you’re a driver with bad credit.
Insurify Composite Score: 88
Whenever Allstate advertises on TV, the company poses a simple question: “Are you in good hands?” And you will be when you work with Allstate, thanks to the carrier’s high claims satisfaction and financial strength ratings. Allstate’s pricing starts out reasonable but can go even lower if you use either of the company’s two popular telematics programs. Drivewise has major discounts for safe drivers, while low-mileage drivers can save up to 30 percent with Milewise. Top it off with a well-reviewed mobile app, and Allstate just might be the company for you.
Insurify Composite Score: 86
How to Cancel Your USAA Insurance Plan
You might find that it’s finally time to switch car insurance companies. Here’s how you cancel your USAA policy and get that process started:
- Find your renewal date. Look online at USAA.com or on your paperwork to figure out when your policy renews. You’ll want to cancel closer to your renewal date because you’ll likely be eligible for a refund.
- Compare car insurance quotes. Before you officially cancel your USAA policy, you’ll want to have your next policy figured out. Use Insurify to compare quotes from a wide range of auto insurers and pick the one that meets your needs.
- Enroll in your new car insurance policy. Once you’ve found what you’re looking for in a new car insurance policy, you’ll want to enroll in that new policy before canceling your USAA policy to avoid a lapse in coverage.
- Cancel your USAA policy. Now that you’re set up with your new insurance policy, it’s time to cancel your USAA policy. You can call at 1 (800) 531-8722 or manage your account online. You can also mail in your cancellation paperwork if you prefer, to the following address:
9800 Fredericksburg Rd.
San Antonio, TX 78288
5. Keep track of your refund. If you paid your USAA policy ahead of time but ended it before the renewal date, you’re owed a refund. Follow up with USAA if that refund isn’t issued promptly. Sometimes, a company just needs a reminder to send you the money you’re owed.
Conclusion: Tips to Save on Your New Car Insurance Policy with Insurify
There are a few simple ways you can save on your car insurance policy. Here are some winning strategies for unlocking discounts:
- Bundle your auto insurance with other USAA insurance products like life insurance, homeowners insurance, or renters insurance.
- Insure multiple vehicles in your household to get a multi-vehicle discount.
- Make your car safer with anti-theft devices and passive restraint features.
- Maintain a clean driving record.
- Earn high marks in school.
- Take a driver training course.
These habits let USAA know you’re a committed customer who is unlikely to regularly file claims. But the best way to save on car insurance is by comparing auto insurance rates with Insurify. With Insurify, it’s easy to figure out how USAA’s rates stack up against the competition. Simply enter some information about your vehicle and driving history, and Insurify will place quotes side by side from a variety of car insurance companies. Then, you can quickly find the right policy at the right price.
Quick Questions: Top USAA Competitors in 2021
How can I find car insurance cheaper than USAA?
Periodically checking quotes from other car insurance companies is always a good idea. When you check other prices, make sure you’re comparing rates across similar coverage levels. And be sure to keep all car insurance discounts in mind when comparing. Insurify makes it easy to check these different quotes in one easy-to-use interface.
What are the top alternatives to USAA car insurance?
There are some other large car insurance companies that rival USAA in terms of prices and customer service. GEICO, State Farm, Liberty Mutual, and Allstate are just a few major players worth your time. Additionally, a smaller company like Clearcover has comparable rates and high customer satisfaction ratings. Before choosing an alternative, be sure to compare rates side by side with Insurify.
What’s the best way to compare car insurance quotes?
There are a lot of options when it comes to car insurance. If you want to get the full lay of the land, compare car insurance quotes with Insurify. Simply answer a few questions about your vehicle and driving history, and Insurify will quickly deliver 10+ free quotes from a wide range of insurers.