State Auto 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

State Auto
76
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

State Auto VS USAA
76
96
What is this?
User Ratings
OptionsState Auto USAA
Rating/Reviews
44 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsState Auto 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)
OptionsState Auto 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)
RegionState Auto 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
RegionState Auto USAA
Android
1 Reviews
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsState Auto USAA
A.M. BestA-A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityState Auto USAA
Austin$86$48
Chicago--$47
Philadelphia$90$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityState Auto USAA
Austin$98$61
Chicago--$69
Philadelphia$89$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityState Auto USAA
Austin$90$55
Chicago--$59
Philadelphia$83$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityState Auto USAA
Austin$93$54
Chicago--$57
Philadelphia$96$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityState Auto USAA
Austin$128$73
Chicago--$85
Philadelphia$102$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityState Auto USAA
Austin$84$51
Chicago--$52
Philadelphia$88$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityState Auto USAA
Austin$101$61
Chicago--$71
Philadelphia$90$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityState Auto USAA
Austin$80$44
Chicago--$43
Philadelphia$83$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityState Auto USAA
Austin$102$71
Chicago--$66
Philadelphia$114$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityState Auto USAA
Austin$104$59
Chicago--$68
Philadelphia$102$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityState Auto USAA
Austin$104$57
Chicago--$55
Philadelphia$106$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityState Auto USAA
Austin$80$45
Chicago--$47
Philadelphia$83$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityState Auto USAA
Austin$79$57
Chicago--$62
Philadelphia$68$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeState Auto USAA
Accident FreeVaries--
Anti-Theft DeviceVariesUp to 20%
Driving HabitsVaries--
Driving trainingVariesVaries
Early QuoteVaries--
Good DriverVariesUp to 10%
Good StudentVariesVaries
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Paid in fullVaries--
Accident Forgiveness--Varies
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Family--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
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 typeState Auto USAA
Automatic Online Payment
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesState Auto USAA
24/7 serviceyesyes
Accident forgivenessyes--
Flexible / convenient payments--yes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesState Auto USAA
Accident Forgiveness
yesyes
Extended Coverage
--yes
Glass Coverage yes--
New Car Replacement Coverage
yes--
Personal Auto Plus
yes--
Personal/Upgraded Item Coverage
yes--
Pet Coverage
yes--
Rental Reimbursement
--yes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • State Auto
  • USAA
  • Both

Compare Insurance Products

ProductState Auto 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 Insuranceyesyes
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

  • State Auto Reviews
  • USAA Reviews
2.4
5 Stars
16 %
4 Stars
11 %
3 Stars
14 %
2 Stars
14 %
1 Star
45 %

Most Positive Review

By Relson
Good

Most Critical Review

By DEBRA
Lack of good customer sevice.

All Reviews

Showing 1 - 10 out of 44 Reviews
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Read reviews that mention

Ashraf
Worst Company ever , Don't even think about dealing with them ,Service is bad communication is worse and when you cancel your policy with them is even worse it's not easy to get rid of them unless you loose money , I canceled my policy and they charged me after 2 months from cancelation claiming it's a prorated amount even they charged me a prorated amount in the first month of cancelation .
Ravonda McGauley
They won't accept this review without me giving at least one star. IF I COULD GIVE NEGATIVE STARS I WOULD. Be careful. This company expects you to pay for their renewal mistakes . I will never recommend State Auto. I've never dealt with such a ridiculous auto insurance company.
Luis Corona
I gave them 5 starts for customer service. I called them asking for help because the insurance service agency that was suppose to cancel my policy for me did not and I was about to get charged for a service that I was no longer having and this nice lady, Jessica , helped me all the way through . Thanks
Skylar Bugg
STATE AUTO IS THE WORST INSURANCE COMPANY I'VE EVER DEALT WITH. My insurance bill went from around $250 to $550 and that was during the pandemic! I shopped around and found way better rates with Geico. I was only half way thru the month so I should have been prorated most of that back, plus I had just paid $160 for renters insurance. THEY ONLY GAVE ME $88 back. I did some rough calculations and I should have gotten around $450 back. They customer service is terrible. Was on hold for 20min just for them to tell me my refund review is still "under review" I was told it would only take 5-7 business days its been 13. I would never recommend anyone to use their services.
Suzanne
This is not my first review of a ridiculous company. I believe at this point they are self sabotaging so they can file bankruptcy. I was a loyal faithful customer who always paid the bill on time. However when I bill went from $98 to $298 a month for no good reason I lost it. The excuse was “it’s because of where I live” lol wait this is the same address I had when I signed up with this company. I’m not going to go into the horrible things this company did because I did get back most of the $298. They thought oh here’s an old lady we can gouge, truly tried to hustle an older woman. It’s sad because they probably had a good company when they began. My guess is that this company will now try to milk the government. Greed is a sickness ~ I gave 2 stars because I did get money back. They should gotten 1 for trying to gouge me and left me helpless on the side of the road when I got a flat tire no one ever came. I hope the government does not give these GONIFS a penny
Jamie
The worst car insurance company i have ever had to deal with. I switched to bundle with my home insurance, and that part fine but when it came to the vehicles forget it. They can’t ever give information on your policy you must call another place for agent witch I always had to hold for 30min or more, also they both gave misinformation on a rental coverage that cost us $275. When i went cancel the insurance they said we would receive money back and ended up paying more. WOULD NOT RECOMMEND!!!!
Brandon Quist
By Michigan State law they should of paid out the Mini Tort. I was in an accident and one of their driver's hit me and I wasn't even moving. Totaled my car. But they made up excuses not to pay out, wouldn't return my phone calls and were shitty on the phone. Horrible customer service and horrible people. Insurance buyers beware.
Jennifer
Horrible rates, and customer service. Dropped them after my rate went up $22 during the pandemic. They are offering a discount NEXT YEAR, or in 2021, not now during Covid, or when so many of us are out of work and having financial hardships.
Audrey
I wish I could give a zero star review. They were very unhelpful during pandemic and wouldn’t put my account on hold due to them having problems getting my account number right in my card. They were to blame and then punished me during COVID19. Will be switching my insurance and never coming back to them
Matthew
Absolutely horrible insurance company, was hit by one of their clients on 4-12-20, was told once all information was provided that my car would be fixed only to have to fight with them for over a month, just to be told sorry we dont have enough information from our client to fix your car. So that's fine everyday i will post a review about this piece of shit comany until my car is fix.
Showing 1 - 10 out of 44 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.