Allstate vs. USAA: Best Auto Insurance for Military and Veterans [2024]
If you are looking to compare Allstate vs. USAA for military and veterans it is important to know rates are based on age, where you live, and more. While, in the case of military and veterans, USAA offers lower rates, Allstate offers plenty of discounts. Both Allstate and USAA have high financial ratings, which is good news for military members and veterans.
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UPDATED: Nov 4, 2024
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- USAA offers lower rates and has higher financial ratings.
- Allstate is located all over the country and offers plenty of discounts.
- Both companies did fairly well in customer reviews.
When looking for auto insurance for military veterans, you may be considering both USAA and Allstate. Allstate and USAA are two of the top auto insurance companies offered in the United States. However, when comparing Allstate vs. USAA for military and veterans, which company comes out on top?
In this piece, we will cover the major differences between Allstate and USAA to help you determine which company would best fit your needs. All that being said, USAA is the more highly-regarded company for military and veterans.
Our piece on Allstate vs. USAA for military and veterans car insurance will cover each company’s rates, ratings, and more. Read on for all the info you need, then compare rates using our comparison tool above.
Allstate vs. USAA: Comparing Auto Insurance Rates
During your search for the best auto insurance company, you will likely want to compare Allstate vs. USAA for military and veterans’ car insurance quotes. We have provided info on each company’s rates in the sections below.
Which is cheapest by state?
Finding affordable Allstate vs. USAA for military and veterans car insurance can depend on where you live.
| State | Allstate Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Alaska | $3,145.31 | $2,454.21 |
| Alabama | $3,311.52 | $2,124.09 |
| Arkansas | $5,150.03 | $2,171.06 |
| Arizona | $4,904.10 | $3,084.29 |
| California | $4,532.96 | $2,693.87 |
| Colorado | $5,537.17 | $3,338.87 |
| Connecticut | $5,831.60 | $3,190.00 |
| District of Columbia | $6,468.92 | $2,580.44 |
| Delaware | $6,316.06 | $2,325.98 |
| Florida | $7,440.46 | $2,850.41 |
| Georgia | $4,210.70 | $3,157.46 |
| Hawaii | $2,173.49 | $1,189.35 |
| Iowa | $2,965.86 | $1,852.57 |
| Idaho | $4,088.76 | $1,877.61 |
| Illinois | $5,204.41 | $2,770.21 |
| Indiana | $3,978.81 | $1,630.86 |
| Kansas | $4,010.23 | $2,382.61 |
| Kentucky | $7,143.92 | $2,897.89 |
| Louisiana | $5,998.79 | $4,353.12 |
| Maine | $3,675.59 | $1,930.79 |
| Maryland | $5,233.17 | $2,744.14 |
| Massachusetts | $2,708.53 | $1,458.99 |
| Michigan | $22,902.59 | $3,620.00 |
| Minnesota | $4,532.01 | $2,861.60 |
| Missouri | $4,096.15 | $2,525.78 |
| Mississippi | $4,942.11 | $2,056.13 |
| Montana | $4,672.10 | $2,031.89 |
| North Carolina | $7,190.43 | Data Not Available |
| North Dakota | $4,669.31 | $2,006.80 |
| Nebraska | $3,198.83 | $2,330.78 |
| New Hampshire | $2,725.01 | $1,906.96 |
| New Jersey | $5,713.58 | Data Not Available |
| New Mexico | $4,200.65 | $2,296.77 |
| Nevada | $5,371.62 | $3,069.07 |
| New York | $4,740.97 | $3,761.69 |
| Ohio | $3,197.22 | $1,478.46 |
| Oklahoma | $3,718.62 | $3,174.15 |
| Oregon | $4,765.95 | $2,587.15 |
| Pennsylvania | $3,984.12 | $1,793.37 |
| Rhode Island | $4,959.45 | $4,323.98 |
| South Carolina | $3,903.43 | $3,424.77 |
| South Dakota | $4,723.72 | Data Not Available |
| Tennessee | $4,828.85 | $2,739.28 |
| Texas | $5,485.44 | $2,487.89 |
| Utah | $3,566.42 | $2,491.10 |
| Virginia | $3,386.80 | $1,858.38 |
| Vermont | $3,190.38 | $1,903.55 |
| Washington | $3,540.52 | $2,262.16 |
| West Virginia | $3,820.68 | $1,984.62 |
| Wisconsin | $4,854.41 | $2,975.74 |
| Wyoming | $4,373.93 | $2,779.53 |
As you can see, USAA offers the lower rates in most states and the highest rates for Allstate are for drivers in Michigan.
Which is cheapest by driving record?
Your driving record can greatly affect your rates, meaning that those with fewer accidents on their record will pay less.
Allstate vs. USAA: Average Annual Auto Insurance Rates by Driving Record| Driving Record | Allstate Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Clean record | $3,819.90 | $1,933.68 |
| With 1 accident | $4,987.68 | $2,516.24 |
| With 1 DUI | $6,260.73 | $3,506.03 |
| With 1 speeding violation | $4,483.51 | $2,193.25 |
As the chart shows, one DUI could end up costing you thousands in insurance rates.
Which is cheapest by age and gender?
In several states, gender is no longer a factor in auto insurance rates. However, your age will likely still factor into your rates. The III has provided information on why rates for older people might be higher.
Allstate vs. USAA: Average Annual Auto Insurance Rates by Age and Gender| Group | Allstate Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Married 35-year old female | $3,156.09 | $1,551.43 |
| Married 35-year old male | $3,123.01 | $1,540.32 |
| Married 60-year old female | $2,913.37 | $1,449.85 |
| Married 60-year old male | $2,990.64 | $1,448.98 |
| Single 17-year old female | $9,282.19 | $4,807.54 |
| Single 17-year old male | $10,642.53 | $5,385.61 |
| Single 25-year old female | $3,424.87 | $1,988.52 |
| Single 25-year old male | $3,570.93 | $2,126.14 |
States where gender isn’t factored into rates include California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
Which is cheapest by credit score?
Those with good credit scores can expect to pay less in auto insurance rates from both companies.
Allstate vs. USAA Average Annual Auto Insurance Rates by Credit Score| Credit Score | Allstate | USAA |
|---|---|---|
| Fair | $4,581.16 | $2,219.83 |
| Good | $3,859.66 | $1,821.20 |
| Poor | $6,490.65 | $3,690.73 |
With both Allstate and USAA, those with good credit scores pay much less.
Which is cheapest by annual mileage?
If you spend less time driving than an average driver, you may end up with better insurance rates.
Allstate vs. USAA Average Annual Auto Insurance Rates by Commute Length| Commute Distance | Allstate Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| 10 miles commute/ 6,000 annual mileage | $4,841.71 | $2,482.69 |
| 25 miles commute/ 12,000 annual mileage | $4,934.20 | $2,591.91 |
The annual mileage you drive may not affect your rates much, but you should take advantage of any savings.
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Evaluating Claims Procedures: Allstate vs. USAA – Top Auto Insurance for Military and Veterans
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
When it comes to filing insurance claims with Allstate and USAA for military and veterans, both companies offer multiple channels for convenience. You can file claims online through their respective websites, over the phone by contacting their customer service, or even through mobile apps designed to streamline the process.
Average Claim Processing Time
The efficiency of the claims process is crucial in times of need. Both Allstate and USAA aim to provide timely claim processing. The exact processing time may vary depending on the complexity of the claim and other factors. It’s advisable to contact your insurance provider for specific information about claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in evaluating insurance companies. Allstate and USAA have garnered positive reviews for their claim resolutions and payouts. However, it’s essential to consider individual experiences, as they can vary.
Reading customer reviews and seeking recommendations from fellow military members and veterans can provide valuable insights into the claim satisfaction of each company.
Technological Offerings Comparison: Allstate vs. USAA – Premier Auto Insurance for Military and Veterans
Mobile App Features and Functionality
Both Allstate and USAA offer mobile apps tailored to their customers’ needs. These apps provide various features and functionalities, including the ability to view and manage policies, file claims, make payments, and access important documents. Users can also receive alerts and updates related to their insurance policies through these apps.
Online Account Management Capabilities
Managing your insurance policies online has never been easier with Allstate and USAA. Their online account management platforms allow you to review policy details, make changes, request documents, and track claims. You can also access helpful resources and educational materials to stay informed about your coverage options.
Digital Tools and Resources
In addition to mobile apps and online account management, both Allstate and USAA offer a range of digital tools and resources to assist military and veteran customers. These resources may include insurance calculators, coverage guides, safety tips, and informational articles. Utilizing these digital tools can help you make informed decisions about your insurance needs.
Allstate vs. USAA: Ratings and Customer Satisfaction
While Allstate vs. USAA for military and veterans car insurance rates are important, it is also a good idea to check out each company’s financial rating and customer reviews.
What are their financial ratings?
We collected ratings from top financial rating companies, including AM Best and Moody’s.
Allstate vs. USAA: Financial Ratings| Ratings Website | Allstate Ratings | USAA Ratings |
|---|---|---|
| AM Best | A+ (Superior) | A++ |
| S&P | A- | AA+ |
| Moody's | Aa3 | Aaa |
While there isn’t much difference in their financial ratings, USAA does better than Allstate in most cases.
How do customers rate them?
Just as important as financial ratings are how customers rate each company.
Allstate Vs. USAA: Customer Ratings| Review Website | Allstate Ratings | USAA Ratings |
|---|---|---|
| Consumer Reports | 88 | 95 |
| J.D. Power | 853 (About Average) | 900 (Among the best) |
| Better Business Bureau | N/A | 1.29/5 stars |
As you can see, both companies have good reviews, though USAA’s are a bit higher.
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Allstate vs. USAA: Car Insurance Coverage and Options
When looking to buy Allstate vs. USAA for military and veterans car insurance, be sure to consider the coverage types and discounts they offer, which we discuss below.
What are their coverage options?
Both Allstate and USAA offer plenty of coverage options. Agents can help you best determine which coverages would work best for your needs.
Allstate Vs USAA: Coverage Options Offered| Types of Coverage | Allstate | USAA |
|---|---|---|
| Bodily injury liability | x | x |
| Personal Injury Protection (PIP) | x | x |
| Property damage liability | x | x |
| Comprehensive | x | x |
| Collision | x | x |
| Uninsured/underinsured bodily injury | x | x |
| Uninsured/underinsured motorist property damage | x | x |
| Medical payments | x | x |
| Roadside assistance | x | x |
For money-saving options, be sure to check out the discounts offered by both companies, which we discuss below.
What discounts do they offer?
While USAA offers lower rates in most cases, Allstate offers plenty of discounts that can help lower rates exponentially.
Allstate vs USAA: Discounts Offered| Discounts | Allstate | USAA |
|---|---|---|
| Adaptive Headlights | ||
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Daytime Running Lights | x | x |
| Electronic Stability Control | x | |
| Utility Vehicle | x | |
| Vehicle Recovery | x | x |
| VIN Etching | x | x |
| Newer Vehicle | x | x |
| Green Vehicle | x | |
| Claim Free | x | x |
| Continuous Coverage | x | |
| Defensive Driver | x | x |
| Distant Student | x | x |
| Driver's Ed | x | x |
| Driving Device/App | x | x |
| Early Signing | x | x |
| Family Legacy | x | x |
| Family Plan | x | |
| Full Payment | x | |
| Garaging/Storing | x | x |
| Good Student | x | x |
| Low Mileage | x | x |
| Loyalty | x | |
| Married | x | |
| Military | x | x |
| Military Garaging | x | |
| Multiple Policies | x | x |
| Multiple Vehicles | x | |
| Occasional Operator | x | |
| Occupation | x | |
| On Time Payments | x | |
| Paperless Documents | x | |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Safe Driver | x | x |
| Senior Driver | x | x |
If you qualify for any of these discounts, contact your local branch to see how much you can save. More information on ways you can save money can be found in our article about the best auto insurance deals for veterans.
Allstate vs. USAA: Which company is the best?
There are plenty of reasons one might want to choose Allstate over USAA or vice versa. As mentioned before, USAA is a popular option for those serving in the military and offers lower rates. That being said, Allstate is located all over the country and offers many discounts.
Now that you’ve compared Allstate vs. USAA for military and veterans, it is a good idea to compare rates from other companies. Use our comparison tool to find the best rates in your area.