AARP vs USAA Car Insurance

Compare quotes from 10+ companies in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

Ratings

Insurify Composite Score

AARP
Not Rated
What is this?

Insurify Composite Score

USAA
96
What is this?

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 Student DiscountUp to 20%Varies
Multiple Policy DiscountUp to 5%Up to 9%
Anti-Theft Device DiscountVariesUp to 20%
Defensive Driver DiscountVariesVaries
Driving training discountVariesVaries
EV/Hybrid DiscountVaries--
Paid in full discountVaries--
Passive Restraint DiscountVariesUp to 15%
teenSMART DiscountVariesVaries
Accident Forgiveness--Varies
Anti-lock Brake Discount--Varies
Daytime Running Lights Discount--Varies
Family Discount--Up to 10%
Good Driver Discount--Up to 10%
Low Mileage Discount--Varies
Loyalty Discount--Varies
Military Discount--Up to 15%
Multiple Vehicle Discount--Up to 13%
New Car Discount--Varies
Student Away at School Discount--Up to 20%
Vehicle Storage Discount--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!!

All Reviews

Showing 1 - 2 out of 2 Reviews
Sort by

Read reviews that mention

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 !