AAA vs USAA Car Insurance

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

AAA VS USAA
85
96
What is this?
User Ratings
OptionsAAA USAA
Rating/Reviews
411 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA USAA
Call Center RepresentativeThe restAmong the best
Insurer WebsiteThe restAmong the best
Local AgentBetter than mostAbout average
Overall SatisfactionAbout averageAmong the best
Policy OfferingsAbout averageAmong the best
PricingAbout averageAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA USAA
Claim ServicingAbout averageBetter than most
Estimation ProcessThe restBetter than most
First Notice of Loss (FNOL)The restAmong the best
Overall SatisfactionAbout averageAmong the best
Rental ExperienceAbout averageBetter than most
Repair ProcessBetter than mostAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAAA USAA
California840 pt
Better than most
894 pt
Among the best
Central833 pt
Better than most
906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central808 pt
The rest
905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas821 pt
About average
899 pt
Among the best
Mobile App Ratings
RegionAAA USAA
Android
24,330 Reviews
98,577 Reviews
iOS
737 Reviews
3,600 Reviews
Financial Ratings
OptionsAAA USAA
A.M. BestAA++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityAAA USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityAAA USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityAAA USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityAAA USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityAAA USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityAAA USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityAAA USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityAAA USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityAAA USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityAAA USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityAAA USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityAAA USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityAAA USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeAAA USAA
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Up to 20%
teenSMARTUp to 24%Varies
Good DriverUp to 20%Up to 10%
Anti-Theft DeviceUp to 17%Up to 20%
Good StudentUp to 14.5%Varies
Multiple VehicleUp to 12.5%Up to 13%
Multiple PolicyUp to 11.8%Up to 9%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%Varies
Paid in fullUp to 7.8%--
Current insuranceUp to 5%--
LoyaltyUp to 5%Varies
Affinity groupVaries--
Anti-lock BrakeVariesVaries
Driving trainingVariesVaries
Home OwnerVaries--
Low MileageVariesVaries
Original OwnerVaries--
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Family--Up to 10%
Military--Up to 15%
Passive Restraint--Up to 15%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeAAA USAA
Automatic Online Payment
yesyes
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
yesyes

Features and Services

Features and ServicesAAA USAA
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA USAA
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • AAA
  • USAA
  • Both

Compare Insurance Products

ProductAAA USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • USAA Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
Sort by

Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.