Columbia 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

Columbia
Not Rated
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Insurify Composite Score

USAA
96
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Insurify Composite Score

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

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

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

For Drivers with Speeding Ticket

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

For Drivers with No Speeding Ticket

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

For Drivers Age Between 18-40

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

For Drivers Age Between 40-65

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

For Drivers Age of 65+

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

For Drivers with Average Credit

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

For Drivers with Fair Credit

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

For Drivers with Good Credit

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

For Drivers with Excellent Credit

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

Quotes & Discounts

Discount typeColumbia USAA
Accident FreeVaries--
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Claims Free RenewalVaries--
Defensive DriverVariesVaries
Driving trainingVariesVaries
Farm VehicleVaries--
Good DriverVariesUp to 10%
Good StudentVariesVaries
Home OwnerVaries--
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Paid in fullVaries--
Student Away at SchoolVariesUp to 20%
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Family--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
New Car--Varies
Passive Restraint--Up to 15%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

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

Features and Services

Features and ServicesColumbia USAA
24/7 serviceyesyes
Flexible / convenient payments--yes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesColumbia USAA
Accident Forgiveness
--yes
Antique or Collector Car Insurance
yes--
Emergency Assistance Coverage
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Glass Coverage yes--
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Sound System Coverage
yes--
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Columbia
  • USAA
  • Both

Compare Insurance Products

ProductColumbia USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
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 Insurance--yes
Life InsuranceLife Insurance--yes
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

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  • USAA Reviews
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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.