Ratings
User Ratings
| Options | United Auto | USAA |
|---|---|---|
| Rating/Reviews |
3 reviews
|
1,235 reviews
|
Mobile App Ratings
| Brand | United Auto | USAA |
|---|---|---|
| iOS |
--
|
3,600 reviews
|
| Android |
--
|
98,577 reviews
|
Auto Insurance Quotes
| United Auto | USAA | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Austin | Chicago | Philadelphia | Phoenix | Los Angeles | ||||||
Married |
||||||||||
| Yes | $48 | $46 | $31 | $38 | $49 | |||||
| No | $61 | $69 | $41 | $57 | $88 | |||||
Gender |
||||||||||
| Male | $55 | $59 | $37 | $52 | $81 | |||||
| Female | $54 | $56 | $34 | $43 | $56 | |||||
Has Ticket |
||||||||||
| Yes | $72 | $84 | $44 | $68 | $114 | |||||
| No | $50 | $52 | $35 | $43 | $59 | |||||
Age |
||||||||||
| 18-40 | $61 | $71 | $41 | $58 | $95 | |||||
| 40-65 | $43 | $42 | $28 | $34 | $48 | |||||
| 65+ | $71 | $66 | $46 | $56 | $48 | |||||
Credit Score |
||||||||||
| Average Credit | $59 | $67 | $41 | $51 | $67 | |||||
| Fair Credit | $56 | $55 | $36 | $46 | $54 | |||||
| Good Credit | $45 | $46 | $32 | $38 | $55 | |||||
| Excellent Credit | $57 | $62 | $34 | $56 | $99 | |||||
Quotes & Discounts
| Discount Type | United Auto | USAA |
|---|---|---|
| Multiple Policy Discount |
--
|
up to 9% |
| Claims Free Renewal Discount |
Varies
|
-- |
| Good Driver Discount |
Varies
|
up to 10% |
| Good Student Discount |
--
|
Varies |
| Anti-Theft Device Discount |
--
|
up to 20% |
| Vehicle Storage Discount |
--
|
up to 60% |
| Daytime Running Lights Discount |
--
|
Varies |
| Accident Forgiveness |
--
|
Varies |
| Student Away at School Discount |
--
|
up to 20% |
| Passive Restraint Discount |
--
|
up to 15% |
| Multiple Vehicle Discount |
Varies
|
up to 13% |
| Loyalty Discount |
--
|
Varies |
| Family Discount |
--
|
up to 10% |
| Driving training discount |
--
|
Varies |
| Defensive Driver Discount |
--
|
Varies |
| Anti-lock Brake Discount |
--
|
Varies |
| teenSMART Discount |
--
|
Varies |
| Low Mileage Discount |
--
|
Varies |
| Military Discount |
--
|
up to 15% |
| New Car Discount |
--
|
Varies |
Payment Methods
| Payment Type | United Auto | USAA |
|---|---|---|
| Automatic Online Payment |
--
|
|
| Money Transfer |
|
--
|
| Online Payment |
|
|
| Phone Payment |
|
--
|
| Mail Payment |
--
|
|
| Credit Card Payment |
|
--
|
| Mobile App Payments |
--
|
|
Feature and Services
| Features and Services | United Auto | USAA |
|---|---|---|
| Mobile app |
--
|
|
| Roadside assistance |
|
|
| Online account management |
|
|
| 24/7 service |
|
|
| Flexible / convenient payments |
--
|
|
Optional Coverages
| Coverage Type | United Auto | USAA |
|---|---|---|
| Rental Reimbursement |
--
|
|
| SR-22 Coverage |
|
--
|
| Emergency Lockout Coverage |
|
--
|
| Extended Coverage |
--
|
|
| Accident Forgiveness |
--
|
|
| Roadside Assistance |
|
|
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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--
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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
Most Helpful Review
Rates always rise, no agent can answer why
Most Recent Review
July 16, 2019
Most Positive Review
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
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