Car Insurance
- AARP
- USAA
- Both
AARP vs USAA Car Insurance
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Last Updated: January 2022
Ratings
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AARP
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USAA
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AARP VS USAA
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U.S Auto Insurance Shopping Study (2018) ℹ
| Options | AARP  | 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) ℹ
| Options | AARP | 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) ℹ
| Region | AARP | 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 |
Auto Insurance Quotes
For Married Drivers
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $48 |
| Chicago | -- | $47 |
| Philadelphia | -- | $31 |
| Phoenix | -- | $39 |
| Santa Monica | -- | $50 |
For Single Drivers
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $61 |
| Chicago | -- | $69 |
| Philadelphia | -- | $41 |
| Phoenix | -- | $58 |
| Santa Monica | -- | $89 |
For Female Drivers
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $54 |
| Chicago | -- | $57 |
| Philadelphia | -- | $35 |
| Phoenix | -- | $44 |
| Santa Monica | -- | $57 |
For Drivers with Speeding Ticket
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $73 |
| Chicago | -- | $85 |
| Philadelphia | -- | $45 |
| Phoenix | -- | $69 |
| Santa Monica | -- | $115 |
For Drivers with No Speeding Ticket
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $51 |
| Chicago | -- | $52 |
| Philadelphia | -- | $35 |
| Phoenix | -- | $44 |
| Santa Monica | -- | $59 |
For Drivers Age Between 18-40
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $61 |
| Chicago | -- | $71 |
| Philadelphia | -- | $42 |
| Phoenix | -- | $59 |
| Santa Monica | -- | $95 |
For Drivers Age Between 40-65
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $44 |
| Chicago | -- | $43 |
| Philadelphia | -- | $28 |
| Phoenix | -- | $35 |
| Santa Monica | -- | $49 |
For Drivers Age of 65+
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $71 |
| Chicago | -- | $66 |
| Philadelphia | -- | $46 |
| Phoenix | -- | $57 |
| Santa Monica | -- | $48 |
For Drivers with Average Credit
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $59 |
| Chicago | -- | $68 |
| Philadelphia | -- | $41 |
| Phoenix | -- | $51 |
| Santa Monica | -- | $68 |
For Drivers with Fair Credit
| City | AARP | USAA |
|---|---|---|
| Austin | -- | $57 |
| Chicago | -- | $55 |
| Philadelphia | -- | $37 |
| Phoenix | -- | $46 |
| Santa Monica | -- | $55 |
Quotes & Discounts
| Discount type | AARP | USAA |
|---|---|---|
| Good Student | Up to 20% | Varies |
| Multiple Policy | Up to 5% | Up to 9% |
| Anti-Theft Device | Varies | Up to 20% |
| Defensive Driver | Varies | Varies |
| Driving training | Varies | Varies |
| EV/Hybrid | Varies | -- |
| Paid in full | Varies | -- |
| Passive Restraint | Varies | Up to 15% |
| teenSMART | Varies | Varies |
| 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% |
Optional Coverages
| Optional Coverages | AARP | USAA |
|---|---|---|
| Accident Forgiveness ℹ |  | |
| Antique or Collector Car Insurance ℹ | | -- |
| Emergency Assistance Coverage ℹ | | -- |
| Extended Coverage ℹ | -- | |
| Glass Coverage | | -- |
| New Car Replacement Coverage ℹ | | -- |
| Preferred Repair Services ℹ | | -- |
| Rental Reimbursement ℹ | | |
| Roadside Assistance ℹ | | |
| Umbrella Policy ℹ | | -- |
| Vanishing Deductible ℹ | | -- |
Insurance by State
Uber and Lyft driver insurance
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Compare Insurance Products
| Product | AARP | USAA |
|---|---|---|
 Personal Articles Insurance | -- | |
 Car Insurance | -- | |
 Aviation Insurance | -- | |
 Boat Insurance | -- | |
 Classic Car Insurance | -- | |
 Collectibles Insurance | -- | |
 Condo Insurance | -- | |
 Dwelling Fire Insurance | -- | |
 Farm Insurance | -- | |
 Flood Insurance | -- | |
 Home Insurance | -- | |
 Life Insurance | -- | |
 Mobile Home Insurance | -- | |
 Motorcycle Insurance | -- | |
 Renters Insurance | -- | |
 RV Insurance | -- | |
 Small Business Insurance | -- | |
 Umbrella Insurance | -- | |
User Reviews
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5 Stars
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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.
