Allied vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Allied
Not Rated
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Allied VS USAA
Not Rated
96
What is this?
User Ratings
OptionsAllied USAA
Rating/Reviews
5 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAllied 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)
OptionsAllied 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)
RegionAllied 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
RegionAllied USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsAllied USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityAllied USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica$96$50

For Single Drivers

CityAllied USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica$231$89

For Male Drivers

CityAllied USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica$215$82

For Female Drivers

CityAllied USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica$112$57

For Drivers with Speeding Ticket

CityAllied USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica$270$115

For Drivers with No Speeding Ticket

CityAllied USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica$141$59

For Drivers Age Between 18-40

CityAllied USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica$262$95

For Drivers Age Between 40-65

CityAllied USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica$85$49

For Drivers Age of 65+

CityAllied USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica$88$48

For Drivers with Average Credit

CityAllied USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica$147$68

For Drivers with Fair Credit

CityAllied USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica$117$55

For Drivers with Good Credit

CityAllied USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica$106$55

For Drivers with Excellent Credit

CityAllied USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica$285$99

Quotes & Discounts

Discount typeAllied USAA
Passive RestraintUp to 30%Up to 15%
Good DriverUp to 15%Up to 10%
PrepayUp to 10%--
Anti-Theft DeviceUp to 5%Up to 20%
Accident ForgivenessVariesVaries
Accident FreeVaries--
Farm BureauVaries--
Good CreditVaries--
Good StudentVariesVaries
LoyaltyVariesVaries
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
New CarVariesVaries
OrganizationVaries--
Preferred paymentVaries--
Prior carrierVaries--
Provider SwitchVaries--
Roadside AssistanceVaries--
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Low Mileage--Varies
Military--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeAllied USAA
Automatic Online Payment
yesyes
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
yesyes
Person 2 Person Payment yes--
Phone Payment
yes--
Prepayment
yes--

Features and Services

Features and ServicesAllied USAA
24/7 serviceyesyes
Accident forgivenessyes--
Diminishing deductibleyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Loyalty rewards programyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAllied USAA
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Airbag Replacement Coverage
yes--
Better Car Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Loss of Use Coverage
yes--
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--
Vanishing Deductible
yes--

Uber and Lyft driver insurance

  • Allied
  • USAA
  • Both

Compare Insurance Products

ProductAllied USAA
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Inland Marine InsuranceInland Marine Insuranceyes--
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Snowmobile insuranceSnowmobile insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Allied Reviews
  • USAA Reviews
3.2
5 Stars
40 %
3 Stars
20 %
2 Stars
20 %
1 Star
20 %

Most Positive Review

By Donald
Great rates

Most Critical Review

By Brian
Horrible company

All Reviews

Showing 1 - 5 out of 5 Reviews
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Read reviews that mention

Deon Powell
This company is not really on your side. They put me at fault when I wasn't and the police e report states that I'm not at fault but this company put me there. And now I have to fight for my rights.
Regina
Good customer service
Donald
Great rates
Brian
Horrible company
Insurify User
No issues, been loyal customer for 3 years. Premium as gone from $90.00 +/- month to $125.00 +/-. No claims, no missed payments. No loyalty to the customer, if I find equivalent coverage for less I will probably switch to the other less expensive company. I can be as loyal as they can

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.