United 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

United Auto
Not Rated
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

United Auto VS USAA
Not Rated
96
What is this?
User Ratings
OptionsUnited Auto USAA
Rating/Reviews
4 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsUnited 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)
OptionsUnited 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)
RegionUnited 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
RegionUnited Auto USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsUnited Auto USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityUnited Auto USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

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

For Male Drivers

CityUnited Auto USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityUnited Auto USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityUnited Auto USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityUnited Auto USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityUnited Auto USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityUnited Auto USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityUnited Auto USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityUnited Auto USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityUnited Auto USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityUnited Auto USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityUnited Auto USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeUnited Auto USAA
Claims Free RenewalVaries--
Good DriverVariesUp to 10%
Multiple VehicleVariesUp to 13%
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Good Student--Varies
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
Multiple Policy--Up to 9%
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 typeUnited Auto USAA
Automatic Online Payment
--yes
Credit Card Payment yes--
Mail Payment
--yes
Mobile App Payments
--yes
Money Transfer
yes--
Online Payment
yesyes
Phone Payment
yes--

Features and Services

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

Optional Coverages

Optional CoveragesUnited Auto USAA
Accident Forgiveness
--yes
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Rental Reimbursement
--yes
Roadside Assistance
yesyes
SR-22 Coverage
yes--

Uber and Lyft driver insurance

  • United Auto
  • USAA
  • Both

SR‌-22 Insurance by State

  • United Auto
  • USAA
  • Both

Compare Insurance Products

ProductUnited 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
Commercial InsuranceCommercial Insuranceyes--
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 Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • United Auto Reviews
  • USAA Reviews
1.3
2 Stars
25 %
1 Star
75 %

Most Helpful Review

By Enrique
Rates always rise, no agent can answer why

Latest Review

By Nereyda
La peor compañía que pueda existir en

All Reviews

Showing 1 - 4 out of 4 Reviews
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Read reviews that mention

Nereyda
La peor compañía que pueda existir en
Cortney
Enrique
Rates always rise, no agent can answer why
Latisha
My monthly payments are not what I was told they were gone be... It's actually way higher and out of my budget.

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.