4.8out of 3,000+ reviews

American Family vs USAA Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

American Family
89
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

American Family VS USAA
89
96
What is this?
User Ratings
OptionsAmerican Family USAA
Rating/Reviews
138 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local AgentBetter than mostAbout average
Overall SatisfactionBetter than mostAmong the best
Policy OfferingsBetter than mostAmong the best
PricingBetter than mostAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family USAA
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageAmong the best
Overall SatisfactionAbout averageAmong the best
Rental ExperienceAbout averageBetter than most
Repair ProcessAbout averageAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family USAA
California--894 pt
Among the best
Central823 pt
About average
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 Central820 pt
About average
905 pt
Among the best
Northwest826 pt
Better than most
896 pt
Among the best
Southeast--894 pt
Among the best
Southwest819 pt
About average
887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionAmerican Family USAA
Android
1,081 Reviews
98,577 Reviews
iOS
6,200 Reviews
3,600 Reviews
Financial Ratings
OptionsAmerican Family USAA
A.M. BestAA++
FitchA+AA+
Moody'sAa3Aa1
Standard & Poor'sA+AA+

Auto Insurance Quotes

For Married Drivers

CityAmerican Family USAA
Austin--$48
Chicago$76$47
Philadelphia--$31
Phoenix$82$39
Santa Monica--$50

For Single Drivers

CityAmerican Family USAA
Austin--$61
Chicago$76$69
Philadelphia--$41
Phoenix$82$58
Santa Monica--$89

For Male Drivers

CityAmerican Family USAA
Austin--$55
Chicago$76$59
Philadelphia--$38
Phoenix$82$52
Santa Monica--$82

For Female Drivers

CityAmerican Family USAA
Austin--$54
Chicago$76$57
Philadelphia--$35
Phoenix$82$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityAmerican Family USAA
Austin--$73
Chicago$102$85
Philadelphia--$45
Phoenix$121$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityAmerican Family USAA
Austin--$51
Chicago$70$52
Philadelphia--$35
Phoenix$74$44
Santa Monica--$59

For Drivers Age Between 18-40

CityAmerican Family USAA
Austin--$61
Chicago$76$71
Philadelphia--$42
Phoenix$81$59
Santa Monica--$95

For Drivers Age Between 40-65

CityAmerican Family USAA
Austin--$44
Chicago$72$43
Philadelphia--$28
Phoenix$77$35
Santa Monica--$49

For Drivers Age of 65+

CityAmerican Family USAA
Austin--$71
Chicago$89$66
Philadelphia--$46
Phoenix$104$57
Santa Monica--$48

For Drivers with Average Credit

CityAmerican Family USAA
Austin--$59
Chicago$80$68
Philadelphia--$41
Phoenix$87$51
Santa Monica--$68

For Drivers with Fair Credit

CityAmerican Family USAA
Austin--$57
Chicago$82$55
Philadelphia--$37
Phoenix$89$46
Santa Monica--$55

For Drivers with Good Credit

CityAmerican Family USAA
Austin--$45
Chicago$73$47
Philadelphia--$32
Phoenix$80$38
Santa Monica--$55

For Drivers with Excellent Credit

CityAmerican Family USAA
Austin--$57
Chicago$68$62
Philadelphia--$35
Phoenix$72$57
Santa Monica--$99

Quotes & Discounts

Discount typeAmerican Family USAA
Passive RestraintUp to 30%Up to 15%
Good StudentUp to 25%Varies
MilitaryUp to 25%Up to 15%
Senior AdultUp to 25%--
Student Away at SchoolUp to 25%Up to 20%
Multiple PolicyUp to 15%Up to 9%
Multiple VehicleUp to 13%Up to 13%
OccupationUp to 10%--
Low MileageUp to 8%Varies
Anti-lock BrakeUp to 5%Varies
Driving HabitsUp to 5%--
Early QuoteUp to 5%--
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%--
LoyaltyUp to 5%Varies
New GraduateUp to 5%--
Paid in fullUp to 5%--
Preferred paymentUp to 5%--
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%--
Daytime Running LightsUp to 3%Varies
Paperless documentsUp to 3%--
Accident ForgivenessVariesVaries
Anti-Theft DeviceVariesUp to 20%
Defensive DriverVariesVaries
teenSMARTVariesVaries
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
New Car--Varies
Vehicle Storage--Up to 60%

Payment Methods

Discount typeAmerican Family 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
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesAmerican Family USAA
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family USAA
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Legal Defense Costs Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yes--
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • USAA
  • Both

Uber and Lyft driver insurance

  • American Family
  • USAA
  • Both

Compare Insurance Products

ProductAmerican Family 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 Insuranceyesyes
Flood InsuranceFlood Insuranceyesyes
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • American Family Reviews
  • USAA Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 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.