Allstate vs USAA
Compare Allstate and USAA car insurance side by side, including coverage options, discounts, Drivewise, SafePilot, accident forgiveness, car replacement assistance, roadside services, military-related benefits, eligibility and the factors that can affect your premium.
“`Allstate vs USAA at a Glance
Allstate and USAA both offer broad auto insurance coverage and digital tools, but they differ significantly in eligibility and in the structure of their telematics and savings programs.
USAA Eligibility Is an Important Difference
Unlike a broadly available auto insurer, USAA serves eligible members of the military community and their families. Current USAA information lists the following groups among those who may qualify, subject to its membership rules.
Allstate vs USAA Coverage Comparison
| Coverage / Feature | Allstate | USAA |
|---|---|---|
| Liability | Available, with limits and requirements determined by state and policy. | Available, with limits and requirements varying by state. |
| Collision | Helps cover qualifying damage to your vehicle resulting from a covered collision, subject to the selected deductible. | Helps cover qualifying collision damage to the insured vehicle, subject to the policy and deductible. |
| Comprehensive | Helps cover qualifying non-collision losses such as theft, weather-related damage and other covered events. | Helps cover qualifying losses such as animal impact, fire, flooding and theft. |
| Uninsured / Underinsured Motorist | Available where applicable and subject to state requirements. | Available where applicable, with coverage determined by state and policy. |
| Medical / PIP | Medical-related coverage is available depending on the state and selected policy. | Medical-related coverage and state-required protections can be included where applicable. |
| Rental Coverage | Rental reimbursement / transportation expense options can help with transportation following a covered loss. | Rental reimbursement is available as an optional auto coverage, subject to policy terms and limits. |
| Roadside Assistance | 24/7 roadside services can include flat-tire assistance and jump-start services. | Roadside assistance can provide services such as towing after a breakdown and other eligible roadside help. |
| Accident Forgiveness | Optional Accident Forgiveness can prevent a rate increase after an eligible accident. | Accident forgiveness availability depends on the policy, state and applicable eligibility requirements. |
| Car Replacement | Vehicle replacement options depend on the applicable policy and available coverage. | Car Replacement Assistance can provide 20% more than the vehicle’s actual cash value after a covered total loss or theft, subject to terms. |
| Rideshare | Rideshare coverage options are available in applicable states. | Rideshare gap protection is available for eligible situations involving services such as Uber and Lyft. |
| Digital Claims | Claims can be managed through Allstate’s digital tools and mobile app. | USAA allows members to manage policies and claims through its mobile app. |
Drivewise vs USAA SafePilot
Both companies offer smartphone-based telematics programs. The programs differ in how driving behavior is measured and how discounts are applied.
Allstate Drivewise
Drivewise uses information from the Allstate mobile app to evaluate driving behavior and provide personalized driving feedback.
Speed, braking, time of day and phone activity can be included in the Drivewise driving score.
Allstate states that enrolled drivers need at least 50 trips during the applicable driving period to receive a performance rating.
Allstate says Drivewise provides an enrollment discount that varies by state, with potential additional savings based on driving performance.
The Allstate mobile app also includes crash detection that can offer help after a detected major collision.
USAA SafePilot
SafePilot uses the USAA DriveSafe app to automatically record trips and evaluate driving behavior.
The program can consider phone handling, hand-held calling, harsh braking and annualized hours driven.
USAA states that eligible participants can receive up to a 15% discount for enrolling and participating.
USAA states that eligible drivers can earn up to 30% at renewal, depending on driving behavior and program requirements.
Each participating driver generally needs at least 325 miles and 16 hours driven during the policy period to receive an earned score.
Allstate Drivewise vs USAA SafePilot: Key Details
| Telematics Detail | Allstate Drivewise | USAA SafePilot |
|---|---|---|
| Mobile App | Allstate mobile app | USAA DriveSafe app |
| Speed | Evaluated as part of driving behavior | Not listed as a primary SafePilot scoring factor on the current FAQ |
| Braking | Rapid braking events can affect the driving score | Harsh braking is included in the driving score |
| Phone Use | Phone activity can affect the driving score | Phone handling and hand-held calling are included |
| Participation Requirement | At least 50 trips for a qualifying performance rating | Participation discount begins after enrollment; earned discount requires applicable driving data |
| Potential Discount | Varies by state and driving performance | Up to 15% participation and up to 30% earned discount, subject to terms |
| Premium Increase From Program | Program results can affect renewal pricing under applicable terms | USAA states that SafePilot driving score is used for discounts and will not increase the premium because of the score |
USAA Military and Member-Related Auto Benefits
USAA’s auto insurance offering includes features and discounts that can be particularly relevant to eligible military members, veterans and their families.
Military On-Base Discount
USAA currently lists savings of up to 15% on the auto premium when a qualifying vehicle is garaged on a military base, subject to state availability and applicable requirements.
Vehicle Storage
USAA offers a storage discount for qualifying vehicles that are not being driven and are stored securely. USAA states that eligible vehicles may receive substantial savings while in storage, subject to policy requirements.
Lower-Mileage Programs
USAA also offers mileage-based savings through SafePilot Miles in applicable locations, with pricing adjusted based on mileage and other factors.
Allstate Discounts and Savings Programs
Drivewise
Allstate’s Drivewise program can provide an enrollment discount and additional savings based on participation and driving behavior.
Bundle Discounts
Allstate offers multi-policy opportunities for customers who combine qualifying insurance products.
Student Discounts
Allstate lists student-related discounts for qualifying drivers, subject to applicable requirements.
Car Replacement and Vehicle Protection
Vehicle replacement coverage can make a meaningful difference after a total loss. The two companies use different approaches to vehicle protection.
Car Replacement Assistance
USAA offers Car Replacement Assistance that can provide 20% more than a covered vehicle’s actual cash value when it is totaled or stolen, subject to policy terms and eligibility.
Rideshare Gap Protection
USAA offers rideshare gap protection for eligible drivers using services such as Uber or Lyft, helping address coverage gaps while waiting for a ride request.
Vehicle Protection Options
Allstate offers optional coverage and services that can supplement standard auto protection. Availability depends on the policy and state.
Comprehensive and Collision
Comprehensive and collision coverage remain important when protecting the vehicle itself. Deductibles and policy limits can materially affect the amount paid after a covered loss.
Roadside Assistance and Digital Tools
| Feature | Allstate | USAA |
|---|---|---|
| Roadside Assistance | 24/7 roadside services, including flat fixes and jump starts. | Roadside assistance can provide towing and other eligible roadside services after a breakdown. |
| Mobile Policy Management | Manage policy information, digital ID cards and claims through Allstate’s mobile tools. | USAA Mobile provides access to ID cards, policy changes, payments, claims and roadside assistance. |
| Crash Detection | Allstate’s app can detect certain major collisions and offer assistance. | SafePilot’s DriveSafe app includes crash detection and can assist with next steps after a detected event. |
| Claims Support | Claims can be initiated and managed through Allstate digital channels. | USAA members can manage and track claims through the USAA Mobile App. |
What Can Affect an Allstate or USAA Quote?
A comparison of advertised discounts does not determine the final premium. Personalized insurance pricing can depend on multiple factors.
Driving Record
Accidents, tickets and other driving-history information can affect eligibility and pricing.
Vehicle
Vehicle type, model year, repair costs, safety equipment and other characteristics can affect the premium.
Location
Auto insurance rules and pricing vary by state and can also vary by where the vehicle is primarily garaged.
Coverage Limits
Higher liability limits, lower deductibles and additional coverage options can change the premium.
Discount Eligibility
Safe-driving programs, bundling, multiple vehicles, student status and other factors can affect available discounts.
Membership Eligibility
USAA requires eligible membership. Allstate does not have the same military-membership eligibility structure.
How to Compare Allstate and USAA Quotes
When comparing actual prices, use similar coverage limits and deductibles so the two quotes represent comparable protection.
Check Eligibility
Confirm that you meet USAA’s current membership and insurance eligibility requirements.
Set Coverage
Select comparable liability limits, deductibles and optional protections.
Review Discounts
Check Drivewise, SafePilot, bundling, mileage, military and other applicable savings programs.
Compare Quotes
Compare personalized premiums after keeping the coverage structure as similar as possible.
Allstate vs USAA: Key Differences to Check
| What to Compare | Allstate | USAA |
|---|---|---|
| Eligibility | Broad availability subject to state and underwriting rules. | Available to eligible USAA members and qualifying military community members and families. |
| Telematics | Drivewise | SafePilot |
| Telematics Discount | Varies by state and driving performance. | Up to 15% participation discount and up to 30% earned discount, subject to requirements and location. |
| Accident Forgiveness | Optional feature | Availability varies by policy and state |
| Car Replacement | Policy-dependent vehicle protection options | Car Replacement Assistance can provide 20% above actual cash value, subject to terms |
| Rideshare | Rideshare coverage options in applicable states | Rideshare gap protection for qualifying situations |
| Military On-Base Discount | Not a military-specific USAA-style benefit | Up to 15% in qualifying situations and locations |
| Vehicle Storage | Policy-dependent | Storage discount available for qualifying vehicles |
| Roadside Assistance | 24/7 roadside services | Roadside assistance available |
| Pricing | Personalized quote required | Personalized quote required |
Frequently Asked Questions
Is Allstate or USAA cheaper for car insurance?
There is no universal price that applies to every driver. Premiums vary according to factors such as state, location, vehicle, driving record, coverage limits, deductibles, claims history and discounts. Comparing personalized quotes with similar coverage is the most useful way to compare actual prices.
Who is eligible for USAA auto insurance?
USAA serves eligible members of the military community and their families. Current USAA information lists active-duty military, National Guard and Reserve members, honorably served veterans, certain cadets and candidates, service academy appointees, spouses and children of USAA members among eligible groups, subject to membership requirements.
Does Allstate have a safe-driving program?
Yes. Allstate Drivewise uses information such as speed, braking, time of day and phone activity to evaluate driving behavior and determine applicable savings.
Does USAA have a safe-driving program?
Yes. USAA SafePilot uses the DriveSafe mobile app to evaluate driving behavior. USAA currently states that eligible participants can receive up to a 15% participation discount and potentially earn up to 30% at renewal, subject to program requirements and location.
Does USAA’s SafePilot program increase insurance premiums?
USAA states that SafePilot driving data is used to calculate discounts and that the driving score itself will not increase the policy premium. Other factors unrelated to SafePilot can still affect the overall premium.
Does Allstate offer Accident Forgiveness?
Yes. Allstate offers Accident Forgiveness as an optional feature. When applicable, an eligible accident may not increase the policyholder’s rate because of that accident.
Does USAA offer car replacement assistance?
Yes. USAA offers Car Replacement Assistance that can provide 20% more than a covered vehicle’s actual cash value after a covered total loss or theft, subject to the policy terms.
Does USAA offer military-related auto insurance discounts?
Yes. USAA lists military-related savings including an on-base discount for qualifying situations and a storage discount for eligible vehicles that are not being driven and are stored securely.
Should I compare discounts or the final quote?
Both are useful, but the final personalized quote reflects your specific driver, vehicle, location, coverage selections and eligible discounts. Keep coverage limits and deductibles as similar as possible when comparing prices.
Explore Allstate and USAA
Visit the dedicated company pages on Newest Cars Insurance to review each insurer’s auto insurance information and compare the features that matter to your situation.
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