Auto-Owners 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

Auto-Owners
86
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Auto-Owners VS USAA
86
96
What is this?
User Ratings
OptionsAuto-Owners USAA
Rating/Reviews
63 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAuto-Owners USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local AgentAmong the bestAbout average
Overall SatisfactionBetter than mostAmong the best
Policy OfferingsAmong the bestAmong the best
PricingBetter than mostAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAuto-Owners USAA
Claim ServicingBetter than mostBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAmong the best
Overall SatisfactionBetter than mostAmong the best
Rental ExperienceAmong the bestBetter than most
Repair ProcessAbout averageAmong the best
SettlementBetter than mostBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAuto-Owners USAA
California--894 pt
Among the best
Central847 pt
Better than most
906 pt
Among the best
Florida812 pt
About average
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 Central850 pt
Among the best
905 pt
Among the best
Northwest--896 pt
Among the best
Southeast842 pt
Better than most
894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionAuto-Owners USAA
Android
20 Reviews
98,577 Reviews
iOS
6 Reviews
3,600 Reviews
Financial Ratings
OptionsAuto-Owners USAA
A.M. BestA++A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityAuto-Owners USAA
Austin--$48
Chicago$62$47
Philadelphia$68$31
Phoenix$36$39
Santa Monica--$50

For Single Drivers

CityAuto-Owners USAA
Austin--$61
Chicago$65$69
Philadelphia$68$41
Phoenix$40$58
Santa Monica--$89

For Male Drivers

CityAuto-Owners USAA
Austin--$55
Chicago$57$59
Philadelphia$65$38
Phoenix$32$52
Santa Monica--$82

For Female Drivers

CityAuto-Owners USAA
Austin--$54
Chicago$70$57
Philadelphia$71$35
Phoenix$43$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityAuto-Owners USAA
Austin--$73
Chicago$97$85
Philadelphia$81$45
Phoenix$56$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityAuto-Owners USAA
Austin--$51
Chicago$56$52
Philadelphia$66$35
Phoenix$34$44
Santa Monica--$59

For Drivers Age Between 18-40

CityAuto-Owners USAA
Austin--$61
Chicago$65$71
Philadelphia$68$42
Phoenix$40$59
Santa Monica--$95

For Drivers Age Between 40-65

CityAuto-Owners USAA
Austin--$44
Chicago$57$43
Philadelphia$62$28
Phoenix$32$35
Santa Monica--$49

For Drivers Age of 65+

CityAuto-Owners USAA
Austin--$71
Chicago$84$66
Philadelphia$91$46
Phoenix$49$57
Santa Monica--$48

For Drivers with Average Credit

CityAuto-Owners USAA
Austin--$59
Chicago$78$68
Philadelphia$71$41
Phoenix$49$51
Santa Monica--$68

For Drivers with Fair Credit

CityAuto-Owners USAA
Austin--$57
Chicago$69$55
Philadelphia$81$37
Phoenix$41$46
Santa Monica--$55

For Drivers with Good Credit

CityAuto-Owners USAA
Austin--$45
Chicago$59$47
Philadelphia$60$32
Phoenix$35$38
Santa Monica--$55

For Drivers with Excellent Credit

CityAuto-Owners USAA
Austin--$57
Chicago$48$62
Philadelphia$61$35
Phoenix$27$57
Santa Monica--$99

Quotes & Discounts

Discount typeAuto-Owners USAA
Passive RestraintUp to 35%Up to 15%
Multiple VehicleUp to 31%Up to 13%
Student Away at SchoolUp to 25%Up to 20%
Multiple PolicyUp to 14%Up to 9%
PrepayUp to 14%--
Anti-Theft DeviceUp to 11%Up to 20%
Anti-lock BrakeUp to 10%Varies
Good StudentUp to 10%Varies
Company CarUp to 5%--
Accident FreeVaries--
E-billingVaries--
EV/HybridVaries--
Good CreditVaries--
Good DriverVariesUp to 10%
Mature driverVaries--
OrganizationVaries--
Paid in fullVaries--
Paperless documentsVaries--
teenSMARTVariesVaries
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
New Car--Varies
Vehicle Storage--Up to 60%

Payment Methods

Discount typeAuto-Owners USAA
Automatic Online Payment
yesyes
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
--yes

Features and Services

Features and ServicesAuto-Owners USAA
24/7 serviceyesyes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAuto-Owners USAA
Accident Forgiveness
--yes
Antique or Collector Car Insurance
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Glass Coverage yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Auto-Owners
  • USAA
  • Both

Compare Insurance Products

ProductAuto-Owners USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyes--
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 Insuranceyesyes
Life InsuranceLife Insuranceyesyes
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

  • Auto-Owners Reviews
  • USAA Reviews
2.8
5 Stars
33 %
4 Stars
6 %
3 Stars
11 %
2 Stars
6 %
1 Star
43 %

Most Positive Review

By Dixie
Their staff is always friendly, answer all my questions, and I may stay with them. I'm just researching because my rates are so high. I can understand them raising my payments as I've had two accidents since December 19, 2016, but no one was hurt or killed (THANK GOD)it was my only accident in 73 years, damage to both vehicles was under $9,000. My second accident only involved me. Auto-Owners totaled my vehicle and paid me damages of $6206.80. Again, I can see where my rates would raise, I just didn't expect it to be what it is, so I thought I'd shop around.

Most Critical Review

By Donna
Claims Adjuster for 1 thing. Most of the time you can't get ahold of anyone at my agents office

All Reviews

Showing 1 - 10 out of 63 Reviews
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Read reviews that mention

Nancy Ferguson
We've had Auto Owners for home and auto for more than 10 years. Their rates have always been the lowest I've found for full coverages. We work with a local agent for questions and policy reviews who has been excellent. Claims go through the claims department and not through the agent. They also have been very responsive and helpful. This year, 2020, we had a significant increase in premiums. The reason given on the policy page was a reduction in credit score. Our score went down 10 points but is still in the 800's. I think it has more to do with our age but they won't say that. We don't have tickets and no accidents or claims for at least 5 years and we drive fewer miles now than ever before. We are getting a Covid19 rebate but as of now we don't know how much that will be. I always recommend Auto Owners to others and will continue to do so. I'm just a little disappointed that we aren't rewarded for being such a good customer.
Cherry
Regina, my Agent has been great, however wrong information was entered by Nexusis & my driving record incorrectly impacted, also Auto Owners rates are jumping outrageously, also I am being double invoiced for a policy which is currently paid through Dec 14, 2019. I don't know what is going on with Auto-Owners or with Clinard Insurance Agency. I do like the personal agent, Regina that has always helped me with my insurance.
Frank
Too difficult to deal with for claims. Charged my wife as responsible for an accident in a parking lot when her car was struck from behind. My car was totaled in another accident where I was rear-ended on an exit by a truck which pushed me into a van. AO hired an appraiser to get the value of my vehicle and then arbitrarily and unilaterally reduced the value given. I had been warned this would happen by another insured.
Betsy Heckert
Brittany S
Dean
No problems with it and it is cheaper than anything you offer for the coverage I get.
Nichole
Donna W.
On June 28, 2018, our boat dock on West Point Lake suffered severe storm damage from strong wind. Auto Owners' hired a engineer to inspect and he reported that the damage was caused from waves (which is not covered by our policy) instead of the obvious cause of wind (which is covered by our policy.) Not only is the lake too small to possibly have waves large enough to cause this kind of damage but we had a path of trees down through our property as a result of the strong winds during that storm. After several attempts to get the adjuster to reconsider their decision, we were forced to file claim in Magistrate Court. After four months of filing this claim and many hours preparing to present our case in court, the Judge found that it was obvious wind damage and ordered Auto Owners to pay the full amount of our claim. Their attorney stated they would consider an appeal so we had to wait another thirty days for them to pay. We are aware of others on our lake who were also denied their damage claims from Auto Owners but they (like most people) chose not to fight it. It is just not right for any insurance company to collude with engineers or contractors to prevent paying legitimate claims knowing that most people will not fight it. We have cancelled our home and auto policies with them as well as our commercial policies we have had with them for at least twenty years. No one should have to go through what we went through due to their unethical business practices.
TERRY
The claim process has been a disaster!
Debora
Good customer service.
Showing 1 - 10 out of 63 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.