First Chicago 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

First Chicago
Not Rated
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Insurify Composite Score

USAA
96
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Insurify Composite Score

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

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

CityFirst Chicago USAA
Austin--$54
Chicago$49$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityFirst Chicago USAA
Austin--$73
Chicago$74$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityFirst Chicago USAA
Austin--$51
Chicago$48$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityFirst Chicago USAA
Austin--$61
Chicago$64$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

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

For Drivers Age of 65+

CityFirst Chicago USAA
Austin--$71
Chicago$41$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityFirst Chicago USAA
Austin--$59
Chicago$56$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityFirst Chicago USAA
Austin--$57
Chicago$52$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityFirst Chicago USAA
Austin--$45
Chicago$46$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityFirst Chicago USAA
Austin--$57
Chicago$55$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeFirst Chicago USAA
Anti-Theft DeviceUp to 20%Up to 20%
Claims Free RenewalUp to 20%--
Multiple VehicleUp to 15%Up to 13%
Defensive DriverUp to 5%Varies
Good DriverUp to 5%Up to 10%
Good StudentUp to 5%Varies
Home OwnerUp to 5%--
Paid in fullUp to 5%--
Advance shopperVaries--
Anti-lock BrakeVariesVaries
Continuous CoverageVaries--
Current insuranceVaries--
Early QuoteVaries--
LoyaltyVariesVaries
Mature driverVaries--
No lapse in coverageVaries--
Occasional driverVaries--
Prior carrierVaries--
Provider SwitchVaries--
VIN EtchingVaries--
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Low Mileage--Varies
Military--Up to 15%
Multiple Policy--Up to 9%
New Car--Varies
Passive Restraint--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeFirst Chicago USAA
Automatic Online Payment
--yes
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--
Prepayment
yes--

Features and Services

Features and ServicesFirst Chicago USAA
24/7 serviceyesyes
Flexible / convenient paymentsyesyes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFirst Chicago USAA
Accident Forgiveness
--yes
Extended Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • First Chicago
  • USAA
  • Both

Compare Insurance Products

ProductFirst Chicago 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

  • First Chicago Reviews
  • USAA Reviews
3.3
5 Stars
50 %
3 Stars
17 %
1 Star
33 %

Most Positive Review

By Lynn
It's my choice I just need a lower rate

Most Critical Review

By Vincent
TOO EXPENSIVE!!

All Reviews

Showing 1 - 6 out of 6 Reviews
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Read reviews that mention

maria diaz
Es barato y miy Buena aseguranza
Tracy
If I could give them zero stars I would. I was in a wreck that was not my fault and had a very hard time communicating with this company. That should've been my first red flag. I drive a Chevy 1500 Silverado and needed a like kind rental car for my business to operate. I got a Tahoe as a rental car so I could continue working then when it came time to get a check they did not even give me half for the rental car. What they never mentioned (because they were impossible to get ahold of) was that you only get $29 a day for a vehicle. I WAS NEVER TOLD THIS. So now I am out over $1000 and they have taken zero responsibility. If you get in a wreck and they have this insurance company try like HELL to settle without getting insurance involved because you will hate them as much as I did. TRASH company. TRASH employees. TRASH communication. and TRASH management. ABSOLUTE GARBAGE.
Quinica Darden
They suck majorly. I've paid all this money every month, then something finally happens. These people have had my car for the longest, and they haven't called me to update me on anything. They are moving extremely slow with my process. Ive been in this rental for 2 weeks now and have had to pay 599.00 for the two weeks. They will only reimburse me up to 420.00 of that. Now I have to keep the rental longer and pay more because they took their sweet time with my claim, and still don't have any information to give me about my car that they still have in their possession. People pay their money to feel safe and secure, and know they will be taken care of. Even their managememt promised to call me back to update me and still didn't. I never got one call from my claims officer ever. I had to call them because they xan take my money but dont know how to contact you and update you on tue status of your property. I feel scammed. I feel like Ive been jipped out if everything. I would not recomment these people. I would give them 0 stars if that was an option. I payed full coverage service to barely receive service at all. I want to say so much more, but its beneath me. It's been 30 days now and still no answer from them. I cant wait to get my property back. 1st chicago will not get another dime from me. Im switching to Progressive. They might cist more, but they take better care of their people, and actually care. I can't believe I stayed with this company for as ling as I did.
Misty cooksey
5 stars
Lynn
It's my choice I just need a lower rate
Vincent
TOO EXPENSIVE!!

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.