AARP vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

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Insurify Composite Score

AARP
Not Rated
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Insurify Composite Score

USAA
96
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Insurify Composite Score

AARP VS USAA
Not Rated
96
What is this?
User Ratings
OptionsAARP USAA
Rating/Reviews
2 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAARP USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAARP USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionAARP USAA
California--894 pt
Among the best
Central--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 Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionAARP USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsAARP USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

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

For Drivers with Speeding Ticket

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

For Drivers with No Speeding Ticket

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

For Drivers Age Between 18-40

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

For Drivers Age Between 40-65

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

For Drivers Age of 65+

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

For Drivers with Average Credit

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

For Drivers with Fair Credit

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

For Drivers with Good Credit

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

For Drivers with Excellent Credit

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

Quotes & Discounts

Discount typeAARP USAA
Good StudentUp to 20%Varies
Multiple PolicyUp to 5%Up to 9%
Anti-Theft DeviceVariesUp to 20%
Defensive DriverVariesVaries
Driving trainingVariesVaries
EV/HybridVaries--
Paid in fullVaries--
Passive RestraintVariesUp to 15%
teenSMARTVariesVaries
Accident Forgiveness--Varies
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Family--Up to 10%
Good Driver--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
Multiple Vehicle--Up to 13%
New Car--Varies
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeAARP USAA
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

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

Optional Coverages

Optional CoveragesAARP USAA
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
yes--
Emergency Assistance Coverage
yes--
Extended Coverage
--yes
Glass Coverage yes--
New Car Replacement Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--
Vanishing Deductible
yes--

Uber and Lyft driver insurance

  • AARP
  • USAA
  • Both

Compare Insurance Products

ProductAARP USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insurance--yes
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 Insurance--yes
Life InsuranceLife Insurance--yes
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

  • AARP Reviews
  • USAA Reviews
3.0
5 Stars
50 %
1 Star
50 %

Most Helpful Review

By Eric Hank
Best insurance !

Latest Review

By Shirley parker
I was wronged by hartford Indurance company. I had pne accident in whole life time of 45 yrs. Of driiving, i had a slight bumper tap it was even a finder binder, i think they paid maybe 700.00 next thing i knew, they drop me , and would not another paymet from me.please don't beleive that Comerical .they will drop you like a hot potatoe!!!! Wrote letter to with NO NAME SIGN!!

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Shirley parker
I was wronged by hartford Indurance company. I had pne accident in whole life time of 45 yrs. Of driiving, i had a slight bumper tap it was even a finder binder, i think they paid maybe 700.00 next thing i knew, they drop me , and would not another paymet from me.please don't beleive that Comerical .they will drop you like a hot potatoe!!!! Wrote letter to with NO NAME SIGN!!
Eric Hank
Best insurance !

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.