Allstate 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

Allstate
85
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Allstate VS USAA
85
96
What is this?
User Ratings
OptionsAllstate USAA
Rating/Reviews
1,114 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAllstate USAA
Call Center RepresentativeAbout averageAmong the best
Insurer WebsiteThe restAmong the best
Local AgentAbout averageAbout average
Overall SatisfactionThe restAmong the best
Policy OfferingsThe restAmong the best
PricingThe restAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAllstate USAA
Claim ServicingAbout averageBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)About averageAmong 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)
RegionAllstate USAA
California820 pt
About average
894 pt
Among the best
Central822 pt
About average
906 pt
Among the best
Florida837 pt
Better than most
888 pt
Among the best
Mid-Atlantic837 pt
About average
896 pt
Among the best
New England834 pt
Better than most
893 pt
Among the best
New York824 pt
About average
900 pt
Among the best
North Central823 pt
About average
905 pt
Among the best
Northwest798 pt
The rest
896 pt
Among the best
Southeast830 pt
About average
894 pt
Among the best
Southwest815 pt
About average
887 pt
Among the best
Texas835 pt
Better than most
899 pt
Among the best
Mobile App Ratings
RegionAllstate USAA
Android
12,515 Reviews
98,577 Reviews
iOS
56,800 Reviews
3,600 Reviews
Financial Ratings
OptionsAllstate USAA
A.M. BestA+A++
FitchA+AA+
Moody'sAa3Aa1
Standard & Poor'sAA-AA+

Auto Insurance Quotes

For Married Drivers

CityAllstate USAA
Austin$37$48
Chicago$111$47
Philadelphia$133$31
Phoenix$105$39
Santa Monica$116$50

For Single Drivers

CityAllstate USAA
Austin$42$61
Chicago$128$69
Philadelphia$136$41
Phoenix$129$58
Santa Monica$255$89

For Male Drivers

CityAllstate USAA
Austin$39$55
Chicago$124$59
Philadelphia$129$38
Phoenix$129$52
Santa Monica$252$82

For Female Drivers

CityAllstate USAA
Austin$39$54
Chicago$116$57
Philadelphia$139$35
Phoenix$105$44
Santa Monica$120$57

For Drivers with Speeding Ticket

CityAllstate USAA
Austin$44$73
Chicago$175$85
Philadelphia$144$45
Phoenix$163$69
Santa Monica$341$115

For Drivers with No Speeding Ticket

CityAllstate USAA
Austin$38$51
Chicago$108$52
Philadelphia$133$35
Phoenix$107$44
Santa Monica$153$59

For Drivers Age Between 18-40

CityAllstate USAA
Austin$41$61
Chicago$130$71
Philadelphia$130$42
Phoenix$134$59
Santa Monica$290$95

For Drivers Age Between 40-65

CityAllstate USAA
Austin$37$44
Chicago$102$43
Philadelphia$121$28
Phoenix$94$35
Santa Monica$104$49

For Drivers Age of 65+

CityAllstate USAA
Austin$41$71
Chicago$146$66
Philadelphia$193$46
Phoenix$141$57
Santa Monica$101$48

For Drivers with Average Credit

CityAllstate USAA
Austin$41$59
Chicago$122$68
Philadelphia$149$41
Phoenix$114$51
Santa Monica$153$68

For Drivers with Fair Credit

CityAllstate USAA
Austin$38$57
Chicago$125$55
Philadelphia$154$37
Phoenix$117$46
Santa Monica$133$55

For Drivers with Good Credit

CityAllstate USAA
Austin$38$45
Chicago$107$47
Philadelphia$120$32
Phoenix$103$38
Santa Monica$129$55

For Drivers with Excellent Credit

CityAllstate USAA
Austin$41$57
Chicago$125$62
Philadelphia$114$35
Phoenix$134$57
Santa Monica$328$99

Quotes & Discounts

Discount typeAllstate USAA
teenSMARTUp to 35%Varies
Accident ForgivenessUp to 30%Varies
Defensive DriverUp to 20%Varies
New CarUp to 15%Varies
Anti-Theft DeviceUp to 10%Up to 20%
Anti-lock BrakeUp to 10%Varies
E-billingUp to 10%--
EV/HybridUp to 10%--
Early QuoteUp to 10%--
Farm VehicleUp to 10%--
Good DriverUp to 10%Up to 10%
Good StudentUp to 10%Varies
Low MileageUp to 10%Varies
Multiple PolicyUp to 10%Up to 9%
Multiple VehicleUp to 10%Up to 13%
Paid in fullUp to 10%--
Passive RestraintUp to 10%Up to 15%
PrepayUp to 10%--
Preferred paymentUp to 5%--
Senior AdultUp to 5%--
Student Away at SchoolUp to 5%Up to 20%
DeductibleVaries--
Discount FinderVaries--
Driving trainingVariesVaries
FamilyVariesUp to 10%
Paperless documentsVaries--
Utility VehicleVaries--
Daytime Running Lights--Varies
Loyalty--Varies
Military--Up to 15%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeAllstate USAA
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
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 ServicesAllstate USAA
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Loyalty rewards programyes--
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAllstate USAA
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Loss of Use Coverage
yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
No Fault Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Sound System Coverage
yes--
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Allstate
  • USAA
  • Both

Compare Insurance Products

ProductAllstate 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
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Snowmobile insuranceSnowmobile insuranceyes--
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Allstate Reviews
  • USAA Reviews
3.6
5 Stars
39 %
4 Stars
20 %
3 Stars
15 %
2 Stars
10 %
1 Star
16 %

Most Positive Review

By James
All of the hard work you guys have done to try to find me the cheapest rate and always staying in contact with me to make sure everything is going okay I love this they really are kindness towards their future customers

Most Critical Review

By Jerry
The last three policy periods Allstate has increased my premiums. I have no accidents, no tickets, no DUI's, no nothing and yet you continue to punishment me by raising my rates. Last period I had to raise my deductible from 500 to 750 just so I could continue to pay my premiums. I am VERY, VERY, VERY UNHAPPY with Allstate. Allstate gets a ZERO rating from me.

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Read reviews that mention

Jessica
Thanks Allstate for being the absolute worst. Not only is my husband's birthday ruined due to the news of you not paying for a claim YOUR insured did, now i am out of a van, which will in turn ruin my job and make it incredibly difficult to put food on the table for my kid. when calling to file a claim the representative was quick to say they couldn't help. Despite video evidence at the place the incident occurred, allstate has now let us know they are denying the claim and will only look into it if somehow the store will release the footage to us personally. (We all know how that goes), kind of a odd slogan for allstate to ask us if we're in good hands if they don't seem to care if we actually are in good hands.. I worked for allstate and actually loved it, but to see the insured side of things is real eye opening. Glad that I have stuck by USAA as I know I'm covered. Thanks allstate for giving me that reassurance to not using you in the future nor referring others to you as well.
Betty Tsiolis
We are very pleased with our Allstate coverages thanks to our woneerful agent!
Ally
They are okay. Trying to become more competitive with other carriers but we'll see how it all works out. Drivewise is a good idea but it can be a handful.
Miles Barkley
Decent price for their rental coverage. Having the app and online account available if I ever wanted to make changes was a nice bonus.
Taye Gonfa
I have been with Allstate for over three years. Every year, my premium goes up despite my clean driving record and my cars getting old. They always tell me it is from the state not them. Finally, I decided to move to a different agency. Then they sent me a bill for outstanding balance also I have already paid in full the month they refer to, and left them days before my next bill is due. What makes this not a burglary in daylight?
Georgia Driver
Allstate sucks. I've been with them for 10 or more years now and every year my rates go higher no matter what. Finally this last increase was too much! Switched to Liberty Mutual and paying less than I have with allstate for all of the last 10 years. RIDICULOUS. Go with someone else....literally anyone would be better than allstate
Aye
My policy changes after 6 months and I cannot afford for it. I need cheaper one.
Gabriel
Good service at a cheap price.
Robert
They have been good for the most part
Susan
Service. The rates need improvement
Showing 1 - 10 out of 1000 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.