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Allstate vs. USAA: Which Insurance Company Is Better in 2025?

If you qualify for coverage through USAA, it’s the clear winner over Allstate due to its low rates and coverage options.

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Kat Tretina
Written byKat Tretina
Kat Tretina
Kat Tretina

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Becky Helzer
Edited byBecky Helzer
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Allstate and USAA are giants in the U.S. insurance industry. Both are among the top five companies based on direct premiums written, according to the National Association of Insurance Commissioners (NAIC).[1]

For car insurance, USAA tends to be less expensive than Allstate, but it’s available only to military members and their families. While Allstate may be more expensive, it has extra coverage options and benefits that USAA doesn’t. And since Allstate doesn’t have membership restrictions, it’s worth a look.

Compare car insurance companies to see how Allstate and USAA stack up in terms of coverages, discounts, and customer satisfaction.

Quick Facts
  • USAA has the highest J.D. Power customer satisfaction rating.

  • Allstate sells gap insurance, while USAA offers car replacement assistance.

  • USAA customers pay an average of $52 per month for liability-only insurance, while Allstate customers pay an average of $74 per month.

Allstate vs. USAA: Our verdict

If you qualify for USAA coverage, it’s hard to beat. Active and retired military service members and their families can save a significant amount by switching to USAA auto insurance.

The company offers robust coverage options and discounts that are available nationwide. As a result, USAA is one of the most affordable choices for anyone with military connections.

But if you aren’t eligible, Allstate is worth considering. It offers coverage nationwide, provides customizable policies, and has multiple discounts that can help reduce your costs.

No single insurer has the lowest rates or the best coverage for every driver. Shopping around and comparing personalized quotes from several insurers will help you find the best car insurance company for your needs.

Allstate vs. USAA

Allstate logo
USAA logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$107/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$76/mo*
Overall rating
3.9
Overall rating
4.9
Value for money
3.5/5
Value for money
4.9/5
Customer service
3.8/5
Customer service
4.8/5
Claims handling
3.8/5
Claims handling
4.9/5
Special highlight
AI-generated from 3915 user reviews
Accident forgiveness
Special highlight
AI-generated from 1311 user reviews
Members of the military community
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Allstate: Best for new-car owners

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$74/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$139/mo
3.9
A solid optionBased on 7,667 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,915)
Matthew
Verified Review
Get insurance elsewhere
Reviewed in Georgia on November 2025
They fixed my car quickly, but as soon as I mentioned back and neck pain, they stopped all contact with me.
Lawrence
Verified Review
In good hands, but those hands are deep in my wallet.
Reviewed in California on November 2025
I have had no issues other than the price being too high to feel any value.
Roxene
Verified Review
Unless you have money to waste, go somewhere else.
Reviewed in Virginia on November 2025
Go with someone else. They are expensive and the rates keep going up even though I've filed no claims. I live in a small house and my insurance has shot up to $144. Currently checking out other companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

A new car is a significant investment, with average sales prices exceeding $50,000, according to Kelley Blue Book.[2] If you’re like many new-car buyers, you’ll likely take out a car loan. But if your car is stolen or totaled in an accident, you could end up owing more than the car is worth.

Gap insurance pays the difference between what you owe and your car’s value.

Allstate’s gap coverage is available on cars with loan terms as long as 96 months, and it’ll cover up to $50,000 of your loan balance.

Pros
  • Available gap insurance

  • Pay-per-mile and usage-based insurance policies available

  • Rideshare coverage available as an endorsement for a relatively low cost

Cons
  • Poor reviews on Trustpilot

  • Higher rates than USAA

  • Fewer discounts than USAA

USAA: Best for qualifying service members and veterans

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
4.9
Best choiceBased on 2,407 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,311)
Richard
Verified Review
Pricey Insurance for Seniors with Recent Claims
Reviewed in Minnesota on November 2025
Because of two claims in May-June 2024, my premium has skyrocketed. It sounds like they don't want senior citizens as policyholders, and I have been with USAA for over 55 years!
Tina
Verified Review
Tina's Warning
Reviewed in Oklahoma on November 2025
Do not go with USAA. They changed my amount from $97 to $160, saying their rates went up. To me, that sucks. The only way my rate should change that much is if I increased my coverage or lowered my deductible, but I didn't do any of those. Am I right? Still, it skyrocketed. I had to drop down to just liability on one vehicle. Don't use USAA.
Oscar
Verified Review
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
Reviewed in Colorado on November 2025
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you’re a military member, veteran, or qualifying family member, you can save a substantial amount of money on car insurance with USAA. The company has some of the lowest premiums for both liability and full-coverage policies.

In addition to offering discounts for completing a defensive driving program or insuring multiple vehicles, USAA provides extra perks to service members. For example, you can save money by storing your vehicle on a military base.

Pros
  • Lower-than-average rates

  • Extra perks for service members

  • Pay-per-mile and telematics programs available

Cons
  • Poor Trustpilot reviews

  • Poor Better Business Bureau (BBB) customer reviews

  • Available only to military members, veterans, and qualifying family members

USAA vs. Allstate: Which is cheaper?

For most drivers, USAA is cheaper than Allstate. The table below highlights the average rates for different coverage types and driver profiles:

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Allstate vs. USAA car insurance discounts

Insurance discounts can reduce the cost of your policy. USAA and Allstate each have several active discounts, but USAA has more available discounts.

The table below highlights the car insurance discounts each company offers:

Discount
sort ascsort desc
Allstate
sort ascsort desc
USAA
sort ascsort desc
Safe driver
Defensive driving courseIn some states
Multi-policy
Multi-car
Low mileage
Telematics
Anti-theft device
New car
Military/affiliation
Good student
Loyalty
Auto pay
Student away at school
Homeowner
Alternative fuel
Pay in full

Compare customer satisfaction and financial strength

When you choose an insurance company, you want to be confident that your insurer will be responsive to questions and financially able to pay claims. AM Best, a credit-rating agency that evaluates insurance companies, rates both companies highly.

AM Best gives Allstate an A+, but USAA receives its highest possible A++ rating.

USAA also scores much higher than Allstate in the 2025 J.D. Power Auto Claims Satisfaction Study.

When it comes to customer reviews, results are mixed. The NAIC reports that USAA receives a higher-than-expected number of complaints, while Allstate has fewer than average.

But on Trustpilot, Allstate customers mention long wait times and poor communication. USAA customers report similar issues, particularly with claims handling and communication.

The table below showcases customer satisfaction and financial strength ratings for each company.

Score
sort ascsort desc
Allstate
sort ascsort desc
USAA
sort ascsort desc
IQ Score8.99.1
Customer reviews3.9/5 (7,574 reviews)4.9/5 (2,373 reviews)
J.D. Power693/1,000741/1,000
AM Best ratingA+ (Superior)A++ (Superior)
NAIC Complaint Index0.69 (Below average)1.32 (Above average)
BBB customer reviews1.12 out of 5 stars1.16 out of 5 stars

Recent customer reviews of Allstate car insurance

We collect verified reviews from actual policyholders to see how customers feel about Allstate. See what customers have to say about Allstate’s customer service, how the company handles claims, and their overall experience.

Matthew
Verified Review
Get insurance elsewhere
Reviewed in Georgia on November 2025
They fixed my car quickly, but as soon as I mentioned back and neck pain, they stopped all contact with me.
Lawrence
Verified Review
In good hands, but those hands are deep in my wallet.
Reviewed in California on November 2025
I have had no issues other than the price being too high to feel any value.
Roxene
Verified Review
Unless you have money to waste, go somewhere else.
Reviewed in Virginia on November 2025
Go with someone else. They are expensive and the rates keep going up even though I've filed no claims. I live in a small house and my insurance has shot up to $144. Currently checking out other companies.
Susan
Verified Review
Not happy
Reviewed in New York on November 2025
They won't insure on Long Island unless you are more than 2 miles away from water. That's over 600 miles of Long Island!

Recent customer reviews of USAA car insurance

Below are verified reviews from actual USAA customers. You can see how customers feel about USAA’s rates, their satisfaction with customer service, and the claims process.

Richard
Verified Review
Pricey Insurance for Seniors with Recent Claims
Reviewed in Minnesota on November 2025
Because of two claims in May-June 2024, my premium has skyrocketed. It sounds like they don't want senior citizens as policyholders, and I have been with USAA for over 55 years!
Tina
Verified Review
Tina's Warning
Reviewed in Oklahoma on November 2025
Do not go with USAA. They changed my amount from $97 to $160, saying their rates went up. To me, that sucks. The only way my rate should change that much is if I increased my coverage or lowered my deductible, but I didn't do any of those. Am I right? Still, it skyrocketed. I had to drop down to just liability on one vehicle. Don't use USAA.
Oscar
Verified Review
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
Reviewed in Colorado on November 2025
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
Denise
Verified Review
Overpriced
Reviewed in New Jersey on November 2025
They used to be affordable, but they just keep raising their rates.

Allstate Drivewise vs. USAA SafePilot

Both USAA and Allstate have usage-based insurance (UBI) programs. Unlike pay-per-mile programs, which base your premiums on how many miles you drive, UBI programs also take into consideration how safely you drive.[3]

Allstate’s Drivewise program uses an app to track your speed, braking habits, and phone use. It also tracks the time of day you drive. After you take 50 trips during a driving period, you can earn a discount at your policy renewal based on your safe driving habits. Allstate’s website mentions that savings amounts vary by state.

USAA’s SafePilot program also works with a smartphone app. It tracks your trips and monitors your driving habits, such as braking and phone use. You get up to 10% off your premium when you enroll in the program, but you can qualify for up to 30% off at renewal (depending on your driving habits).

One important difference exists between SafePilot and Drivewise. With USAA’s SafePilot program, your premiums will never increase based on your driving habits. In contrast, if you enroll in Allstate’s Drivewise program and demonstrate high-risk driving habits, you could see your rates increase.

The table below highlights the key features of these telematics programs.

Feature
sort ascsort desc
Allstate Drivewise
sort ascsort desc
USAA SafePilot
sort ascsort desc
Best forDrivers who want higher savings and broad availabilityDrivers who want to maximize savings
Savings potentialVariesUp to 30% on renewal
How it worksUses an app on your phone to track speed, braking, acceleration, mileage, and the time of day you driveUses your smartphone’s sensors to track speed, braking, and phone distractions
Availability48 states (not available in Alaska or California)47 states (not available in California, Delaware, New Jersey); additional restrictions apply in Massachusetts
Data trackedSpeed, braking, time of day you drive, phone activity while drivingBraking, time of day you drive, location, phone activity while driving, annualized hours driven
App rating (App Store/Google Play)4.8/5 stars
4.0/5 stars
4.5/5 stars
4.0/5 stars
Average discount for good driversVaries10%–30%
Driver feedback toolsTrip summaries and driving feedback, safe driving challengesTrip summaries and driving feedback, tips for improvement
Gamified rewards
CompatibilitySmartphone app onlySmartphone app only
Collision detection

USAA has another program, SafePilot Miles, for drivers in Alabama, Arizona, Colorado, Florida, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Nevada, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia, and Wisconsin. If you drive less than 8,000 miles per year, you could save up to 20%.

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Compare coverages: Allstate vs. USAA

Both Allstate and USAA offer the typical forms of car insurance, including liability, collision, and comprehensive coverage. They also issue less common forms of coverage, such as rideshare insurance.

Where they differ is with gap insurance. Allstate offers gap insurance, which can help cover the cost between what you owe on a car if it’s stolen or totaled and the car’s value.

Unlike Allstate, USAA doesn’t offer gap insurance. But it does offer car replacement coverage. If you’re in an accident and your car is totaled (or if it’s stolen), USAA will pay you 20% more than the car’s actual cash value, regardless of whether you have an outstanding auto loan or not.

Car replacement coverage doesn’t work for leased vehicles. And if you financed a higher-end or luxury vehicle, the 20% over the actual cash value may be far less than what you owe on a loan.

For example, say you buy a $50,000 car with a five-year car loan. After two years, the car is worth $36,000, but you owe $48,700. Then, you’re in a serious accident and the vehicle is a total loss.

With USAA’s car replacement coverage, USAA would give you 20% over the car’s current value, so you’d walk away with $43,200 to pay back your loan — but you’d still be on the hook for the remaining $5,500 you owe. With gap insurance, that balance would be covered.

The table below highlights the different coverages available through Allstate and USAA.

Coverage
sort ascsort desc
Allstate
sort ascsort desc
USAA
sort ascsort desc
Bodily injury liability (BI)
Property damage liability (PD)
Personal injury protection (PIP)
Uninsured/underinsured motorist coverage (UM/UIM)
Medical payments (MedPay)
Collision
Comprehensive
Roadside assistance
Rental reimbursement
Gap insurance
Classic car insurance

Coverage provided through a third-party insurer

Coverage provided through a third-party insurer

Rideshare insurance
Coverage for driving in Mexico

Coverage provided through Mexican insurers

Allstate vs. USAA FAQs

For more information on Allstate and USAA, see the answers to frequently asked questions to help you choose which insurer is right for you.

  • Which is cheaper: Allstate or USAA?

    USAA has lower average rates than Allstate across every age group and driver profile, according to Insurify data.

  • Which company is USAA’s biggest competitor?

    USAA is one of the largest writers of private passenger insurance policies, according to the Insurance Information Institute.[4] Its biggest competitors include Allstate, Progressive, Liberty Mutual, and State Farm.

  • What are the disadvantages of USAA?

    The biggest drawback to USAA is that only service members, veterans, and family members are eligible for coverage. If you don’t have military ties, you won’t qualify for membership and won’t be able to buy insurance through the company.

  • Can you get USAA if you’re not in the military?

    Yes. You can qualify for USAA membership if you’re married to or the child of a qualifying member. You may also qualify for USAA insurance if you’re employed by an eligible federal agency.

  • Which car insurance company offers the cheapest insurance?

    USAA is among the cheapest companies. NJM, Auto-Owners, and COUNTRY Financial also have some of the lowest average insurance rates.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2024 Top 25 Groups and Companies by Countrywide Premium."
  2. Kelley Blue Book. "New Record: Average New Car Prices Surpasses $50,000."
  3. Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
  4. Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
Kat Tretina
Kat Tretina

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Becky Helzer
Edited byBecky HelzerEditor
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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