Ratings
User Ratings
| Options | United Auto | USAA |
|---|---|---|
| Rating/Reviews |
3 reviews
|
1,267 reviews
|
Mobile App Ratings
| Brand | United Auto | USAA |
|---|---|---|
| iOS |
--
|
3,600 reviews
|
| Android |
--
|
98,577 reviews
|
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 |
Payment Methods
| Payment Type | United Auto | USAA |
|---|---|---|
| Credit Card Payment |
|
--
|
| Phone Payment |
|
--
|
| Online Payment |
|
|
| Money Transfer |
|
--
|
| Mobile App Payments |
--
|
|
| Automatic Online Payment |
--
|
|
| Mail Payment |
--
|
|
Feature and Services
| Features and Services | United Auto | USAA |
|---|---|---|
| 24/7 service |
|
|
| Roadside assistance |
|
|
| Online account management |
|
|
| Mobile app |
--
|
|
| Flexible / convenient payments |
--
|
|
Optional Coverages
| Coverage Type | United Auto | USAA |
|---|---|---|
| Roadside Assistance |
|
|
| Emergency Lockout Coverage |
|
--
|
| SR-22 Coverage |
|
--
|
| Rental Reimbursement |
--
|
|
| Accident Forgiveness |
--
|
|
| Extended Coverage |
--
|
|
Insurance by State
- 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 |
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 Boat Insurance |
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 Car Insurance |
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 Classic Car Insurance |
--
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 Collectibles Insurance |
--
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 Commercial Insurance |
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--
|
 Condo Insurance |
--
|
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 Dwelling Fire Insurance |
--
|
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 Farm Insurance |
--
|
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 Flood Insurance |
--
|
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 Home Insurance |
|
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 Life Insurance |
--
|
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 Mobile Home Insurance |
--
|
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 Motorcycle Insurance |
|
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 Personal Articles Insurance |
--
|
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 RV Insurance |
--
|
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 Renters Insurance |
|
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 Small Business Insurance |
--
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 Umbrella Insurance |
--
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User Reviews
2 Stars
33%
1 Star
66%
Most Helpful Review
Rates always rise, no agent can answer why
Most Recent Review
By Cortney
July 16, 2019
July 16, 2019
5 Stars
42%
4 Stars
6%
3 Stars
5%
2 Stars
7%
1 Star
41%
Most Positive Review
By Donna
October 23, 2017
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
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.
June 25, 2019