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Root vs USAA Car Insurance

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Ratings

Insurify Composite Score Root
VS USAA
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Insurify Composite ScoreUSAA
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User Ratings
Options Root USAA
Rating/Reviews
Full Star Full Star Half Star Empty Star Empty Star
23 reviews
Full Star Full Star Full Star Empty Star Empty Star
1,640 reviews
U.S Auto Insurance Shopping Study (2018)
Options Root USAA
Overall Satisfaction -- Among the best
Policy Offerings -- Among the best
Pricing -- Among the best
Local Agent -- About average
Call Center Representative -- Among the best
Insurer Website -- Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Root USAA
Overall Satisfaction -- Among the best
First Notice of Loss (FNOL) -- Among the best
Claim Servicing -- Better than most
Estimation Process -- Better than most
Repair Process -- Among the best
Rental Experience -- Better than most
Settlement -- Better than most
J.D. Power Ratings by Region (out of 1000)
Region Root USAA
Southwest --
887 pt
Among the best
Southeast --
894 pt
Among the best
Texas --
899 pt
Among the best
Central --
906 pt
Among the best
Mid-Atlantic --
896 pt
Among the best
New England --
893 pt
Among the best
Florida --
888 pt
Among the best
California --
894 pt
Among the best
New York --
900 pt
Among the best
North Central --
905 pt
Among the best
Northwest --
896 pt
Among the best
Mobile App Ratings
Brand Root USAA
iOS
Full Star Full Star Full Star Full Star Full Star
22,800 reviews
Full Star Full Star Full Star Full Star Empty Star
3,600 reviews
Android
Full Star Full Star Full Star Full Star Empty Star
14,713 reviews
Full Star Full Star Full Star Full Star Half Star
98,577 reviews
Financial Ratings
Company Name Root USAA
A.M. Best -- A++
Standard & Poor's -- AA+
Fitch -- AA+
Moody's -- Aa1

Auto Insurance Quotes

For Married Drivers

City Root USAA
Austin -- $48
Chicago -- $46
Philadelphia -- $31
Phoenix -- $38
Los Angeles -- $49

For Single Drivers

City Root USAA
Austin -- $61
Chicago -- $69
Philadelphia -- $41
Phoenix -- $57
Los Angeles -- $88

For Male Drivers

City Root USAA
Austin -- $55
Chicago -- $59
Philadelphia -- $37
Phoenix -- $52
Los Angeles -- $81

For Female Drivers

City Root USAA
Austin -- $54
Chicago -- $56
Philadelphia -- $34
Phoenix -- $43
Los Angeles -- $56

For Drivers with a Speeding Ticket

City Root USAA
Austin -- $72
Chicago -- $84
Philadelphia -- $44
Phoenix -- $68
Los Angeles -- $114

For Drivers with No Speeding Ticket

City Root USAA
Austin -- $50
Chicago -- $52
Philadelphia -- $35
Phoenix -- $43
Los Angeles -- $59

For Drivers Age Between 18-40

City Root USAA
Austin -- $61
Chicago -- $71
Philadelphia -- $41
Phoenix -- $58
Los Angeles -- $95

For Drivers Age Between 40-65

City Root USAA
Austin -- $43
Chicago -- $42
Philadelphia -- $28
Phoenix -- $34
Los Angeles -- $48

For Drivers Age of 65+

City Root USAA
Austin -- $71
Chicago -- $66
Philadelphia -- $46
Phoenix -- $56
Los Angeles -- $48

For Drivers with Average Credit

City Root USAA
Austin -- $59
Chicago -- $67
Philadelphia -- $41
Phoenix -- $51
Los Angeles -- $67

For Drivers with Fair Credit

City Root USAA
Austin -- $56
Chicago -- $55
Philadelphia -- $36
Phoenix -- $46
Los Angeles -- $54

For Drivers with Good Credit

City Root USAA
Austin -- $45
Chicago -- $46
Philadelphia -- $32
Phoenix -- $38
Los Angeles -- $55

For Drivers with Excellent Credit

City Root USAA
Austin -- $57
Chicago -- $62
Philadelphia -- $34
Phoenix -- $56
Los Angeles -- $99

Quotes & Discounts

Discount Type Root USAA
Driving Habits Discount
Varies
--
Good Driver Discount
Varies
up to 10%
Defensive Driver Discount
Varies
Varies
Loyalty Discount
Varies
Varies
Home Owner Discount
Varies
--
Seat Belt Use Discount
Varies
--
Early Quote Discount
Varies
--
Paid in full discount
Varies
--
Vehicle Storage Discount
--
up to 60%
Anti-Theft Device Discount
--
up to 20%
Student Away at School Discount
--
up to 20%
Military Discount
--
up to 15%
Passive Restraint Discount
--
up to 15%
Multiple Vehicle Discount
--
up to 13%
Family Discount
--
up to 10%
Multiple Policy Discount
--
up to 9%
Accident Forgiveness
--
Varies
Driving training discount
--
Varies
Daytime Running Lights Discount
--
Varies
teenSMART Discount
--
Varies
New Car Discount
--
Varies
Low Mileage Discount
--
Varies
Good Student Discount
--
Varies
Anti-lock Brake Discount
--
Varies
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Payment Methods

Payment Type Root USAA
Credit Card Payment Complete Tick
--
Debit Card Payments Complete Tick
--
Automatic Online Payment Complete Tick Complete Tick
Multi-Payment Installment Plans Complete Tick
--
Mobile App Payments Complete Tick Complete Tick
Online Payment
--
Complete Tick
Mail Payment
--
Complete Tick

Feature and Services

Features and Services Root USAA
Mobile app Complete Tick Complete Tick
Roadside assistance Complete Tick Complete Tick
Online account management Complete Tick Complete Tick
Flexible / convenient payments Complete Tick Complete Tick
Enhanced towing & substitute coverage Complete Tick
--
24/7 service Complete Tick Complete Tick

Optional Coverages

Coverage Type Root USAA
Rental Reimbursement Complete Tick Complete Tick
Roadside Assistance Complete Tick Complete Tick
SR-22 Coverage Complete Tick
--
Glass Coverage Complete Tick
--
Gap Insurance Complete Tick
--
Ridesharing Coverage Complete Tick
--
Comprehensive Claim Forgiveness Complete Tick
--
Accident Forgiveness
--
Complete Tick
Extended Coverage
--
Complete Tick

Insurance by State

  • Car Insurance
  • Life Insurance
  • Umbrella Insurance
  • Motorcycle Insurance
  • Renters Insurance
  • Home / Condo Insurance
  • Root
  • USAA
  • Both

Uber and Lyft driver insurance:

  • Root
  • USAA
  • Both

Compare Insurance Products

Product Root USAA
  Aviation Insurance
--
Complete Tick
  Boat Insurance
--
Complete Tick
  Car Insurance Complete Tick Complete Tick
  Classic Car Insurance
--
Complete Tick
  Collectibles Insurance
--
Complete Tick
  Condo Insurance
--
Complete Tick
  Dwelling Fire Insurance
--
Complete Tick
  Farm Insurance
--
Complete Tick
  Flood Insurance
--
Complete Tick
  Home Insurance
--
Complete Tick
  Life Insurance
--
Complete Tick
  Mobile Home Insurance
--
Complete Tick
  Motorcycle Insurance
--
Complete Tick
  Personal Articles Insurance
--
Complete Tick
  RV Insurance
--
Complete Tick
  Renters Insurance
--
Complete Tick
  Small Business Insurance
--
Complete Tick
  Umbrella Insurance
--
Complete Tick

Popular Comparisons

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User Reviews

  • Root Reviews
  • USAA Reviews
★ ★★ ★★
2.5
23 user reviews
5 Stars
17% Complete
17%
4 Stars
8% Complete
8%
3 Stars
12% Complete
12%
2 Stars
4% Complete
4%
1 Star
60% Complete
60%
Write a Review
Most Helpful Review
★ ★★ ★★
By Kolton
June 24, 2019

Great rates

Most Recent Review
★ ★★ ★★
By Kolton
June 24, 2019

Great rates

★ ★★ ★★
2.8
1,640 user reviews
5 Stars
37% Complete
37%
4 Stars
5% Complete
5%
3 Stars
5% Complete
5%
2 Stars
7% Complete
7%
1 Star
47% Complete
47%
Write a Review
Most Positive Review
★ ★★ ★★
By Donna
October 23, 2017

Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.

Most Critical Review
★ ★★ ★★
By Roo
December 19, 2018

I was a customer of USAA for years, then discovered that they had someone else's car on my policy (and had removed my car). When I spoke to them about it, they said that if they had to research it find out whose fault it is, that they would retroactively raise my rates for the past two years - even though my car is 4 years older than they can that was insured. Amazing how quickly the conversation turned from "lets see what's happening" to "we need to cover our ass and make this issue go away". This isn't doing what's right for the customer. As a result, I shopped them and discovered that I could get identical coverage with another national insurance carrier for half the annual cost.

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