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United Auto vs USAA Car Insurance

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Ratings

Insurify Composite Score United Auto
VS USAA
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Insurify Composite ScoreUSAA
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User Ratings
Options United Auto USAA
Rating/Reviews
Full Star Half Star Empty Star Empty Star Empty Star
3 reviews
Full Star Full Star Half Star Empty Star Empty Star
1,267 reviews
U.S Auto Insurance Shopping Study (2018)
Options United Auto 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 United Auto 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 United Auto 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 United Auto USAA
iOS
--
Full Star Full Star Full Star Full Star Half Star
3,600 reviews
Android
--
Full Star Full Star Full Star Full Star Half Star
98,577 reviews
Financial Ratings
Company Name United Auto USAA
A.M. Best -- A++
Standard & Poor's -- AAA
Fitch -- AA+
Moody's -- Aa1

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

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

For Drivers with a Speeding Ticket

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

For Drivers with No Speeding Ticket

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

For Drivers Age Between 18-40

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

For Drivers Age Between 40-65

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

For Drivers Age of 65+

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

For Drivers with Average Credit

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

For Drivers with Fair Credit

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

For Drivers with Good Credit

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

For Drivers with Excellent Credit

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

Quotes & Discounts

Discount Type United Auto USAA
Good Driver Discount
Varies
up to 10%
Multiple Vehicle Discount
Varies
up to 13%
Claims Free Renewal 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%
Family Discount
--
up to 10%
Multiple Policy Discount
--
up to 9%
Driving training discount
--
Varies
Daytime Running Lights Discount
--
Varies
teenSMART Discount
--
Varies
New Car Discount
--
Varies
Loyalty Discount
--
Varies
Low Mileage Discount
--
Varies
Good Student Discount
--
Varies
Defensive Driver Discount
--
Varies
Anti-lock Brake Discount
--
Varies
Accident Forgiveness
--
Varies
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Payment Methods

Payment Type United Auto USAA
Credit Card Payment Complete Tick
--
Phone Payment Complete Tick
--
Online Payment Complete Tick Complete Tick
Money Transfer Complete Tick
--
Mobile App Payments
--
Complete Tick
Automatic Online Payment
--
Complete Tick
Mail Payment
--
Complete Tick

Feature and Services

Features and Services United Auto USAA
24/7 service Complete Tick Complete Tick
Roadside assistance Complete Tick Complete Tick
Online account management Complete Tick Complete Tick
Mobile app
--
Complete Tick
Flexible / convenient payments
--
Complete Tick

Optional Coverages

Coverage Type United Auto USAA
Roadside Assistance Complete Tick Complete Tick
Emergency Lockout Coverage Complete Tick
--
SR-22 Coverage Complete Tick
--
Rental Reimbursement
--
Complete Tick
Accident Forgiveness
--
Complete Tick
Extended Coverage
--
Complete Tick

Insurance by State

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

Uber and Lyft driver insurance:

  • United Auto
  • USAA
  • Both

SR‌-22 Insurance by State

  • United Auto
  • USAA
  • Both

Compare Insurance Products

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

Popular Comparisons

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User Reviews

  • United Auto Reviews
  • USAA Reviews
★ ★★ ★★
1.3
3 user reviews
2 Stars
33% Complete
33%
1 Star
66% Complete
66%
Write a Review
Most Helpful Review
★ ★★ ★★
By Enrique
June 25, 2019

Rates always rise, no agent can answer why

Most Recent Review
★ ★★ ★★
By Cortney
July 16, 2019

★ ★★ ★★
2.8
1,267 user reviews
5 Stars
42% Complete
42%
4 Stars
6% Complete
6%
3 Stars
5% Complete
5%
2 Stars
7% Complete
7%
1 Star
41% Complete
41%
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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