Ameriprise 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

Ameriprise
78
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Ameriprise VS USAA
78
96
What is this?
User Ratings
OptionsAmeriprise USAA
Rating/Reviews
40 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmeriprise 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)
OptionsAmeriprise 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)
RegionAmeriprise USAA
California862 pt
Among the best
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
RegionAmeriprise USAA
Android
316 Reviews
98,577 Reviews
iOS
14 Reviews
3,600 Reviews
Financial Ratings
OptionsAmeriprise USAA
A.M. BestAA++
FitchA-AA+
Moody'sA3Aa1
Standard & Poor'sA-AA+

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

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

For Drivers with Speeding Ticket

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

For Drivers with No Speeding Ticket

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

For Drivers Age Between 18-40

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

For Drivers Age Between 40-65

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

For Drivers Age of 65+

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

For Drivers with Average Credit

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

For Drivers with Fair Credit

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

For Drivers with Good Credit

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

For Drivers with Excellent Credit

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

Quotes & Discounts

Discount typeAmeriprise USAA
Accident (Merit) RatingVaries--
Accident ForgivenessVariesVaries
Accident FreeVaries--
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Daytime Running LightsVariesVaries
Defensive DriverVariesVaries
GaragingVaries--
Good DriverVariesUp to 10%
Good StudentVariesVaries
LoyaltyVariesVaries
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
New GraduateVaries--
Passive RestraintVariesUp to 15%
Provider SwitchVaries--
Seat Belt UseVaries--
Student Away at SchoolVariesUp to 20%
Driving training--Varies
Family--Up to 10%
Low Mileage--Varies
Military--Up to 15%
New Car--Varies
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeAmeriprise 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
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesAmeriprise USAA
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmeriprise USAA
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Glass Coverage yes--
New Car Replacement Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Ameriprise
  • USAA
  • Both

SR‌-22 Insurance by State

  • Ameriprise
  • USAA
  • Both

Compare Insurance Products

ProductAmeriprise USAA
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyesyes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Ameriprise Reviews
  • USAA Reviews
3.5
5 Stars
40 %
4 Stars
18 %
3 Stars
15 %
2 Stars
3 %
1 Star
25 %

Most Positive Review

By Roger
Value

Most Critical Review

By Greg
Had Ameriprise for many years with no claims. Scraped the right front fender pulling into the garage resulting in a claim and insurance rates went from $2,100 every 6 months to $3,300 every 6 months. Only claim ever.i could have just paid for the repairs several times over for that increase.

All Reviews

Showing 1 - 10 out of 40 Reviews
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Read reviews that mention

Michael
Price
SANTOSH
Ameriprise is relatively out of sync with changing market and customer dynamics. The rigid insurability clause for Comprehensive coverage of personal auto insurance, while working for a ride sharing company. The ride sharing company has its own comprehensive insurance, while the personal auto insurance is for own use. Ameriprise adjusters are not ready to meet the challenges of Digital age. Archaic processes and systems used by the adjusters are not customer friendly.
Anthony
Very professional and did not waste my time
Juan
No real problem other than large rate increase. Its all about the money
Ray
Relatively painless experience in replacing my totaled car.
saisunee w
I left Ameriprise after being a customer for 19 year due to their terrible customer service and corporate greed. I had Ameriprise for my home, auto and umbrella insurance with no problems but last September I accidently scratched another car while parking. Ameriprise advertises that they had accident forgiveness but they lie. The only time I had to use my insurance in 19 years and they screwed me over the first chance they got. The Ameriprise representative was extremely rude and informed me that there was no accident forgiveness and they increased my rate to triple the original price. Save yourself heartache and DO NOT get Ameriprise Insurance.
Monica
I've never had a problem with being helped...never had an issue. My issue is their prices.
Manoochehr
The high price.
Brian
Never had any problems with them.
Jo
My rates went up for no fault of mine. Car and auto.
Showing 1 - 10 out of 40 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.