USAA vs. AAA

USAA vs. AAA comparison

Since both USAA and AAA are membership-based, you might be curious about how they compare. Comparing their strengths and weaknesses side by side can help you get a clearer sense of which carrier best meets your needs.

USAA pros and cons

AAA pros and cons

Is USAA cheaper than AAA?

Price is often a top priority when it comes to choosing a car insurance company. To help drivers compare AAA vs. USAA, Bankrate’s insurance editorial team analyzed annual quoted premiums from Quadrant Information Services for each company across several driver profiles and situations. On average, USAA offers cheaper rates for both full and minimum coverage, coming in below the national average. AAA average rates are higher than both USAA and the national average for full and minimum coverage.

USAA vs. AAA: discounts

Both USAA and AAA have robust discount offerings. AAA is perhaps best known for its discounts relating to roadside assistance and available trip planning tools, but there are other member discounts, as well. USAA has several discounts aimed at savings for active military members.

Discounts available from both carriers

Both carriers offer a variety of discounts that can help policyholders reduce their insurance costs. These USAA and AAA discounts reward responsible behavior and the bundling of services, which can make managing multiple policies more convenient and cost-effective. Here are some common discounts provided by both insurers:

• Home and auto bundle: Policyholders can typically save on their overall insurance costs by bundling auto and home insurance policies with the same provider.
• Good student discount: Available for students who maintain a high academic standard, which is generally recognized as achieving a B average or better.
• Multi-vehicle discount: Savings may be available for those insuring more than one vehicle under the same policy, which can simplify management and reduce overall premiums.

USAA discounts

• Vehicle storage: Policyholders who are deployed or who choose to store their vehicles long-term for another reason could save up to 60 percent on their policy.
• Garaging a vehicle on base: Policyholders who live and garage their vehicle on base could save up to 15 percent on comprehensive coverage.
• New car: Drivers with a car less than three years old could earn a discount on their policy due to the vehicle’s modern safety features.

AAA discounts

• AAA membership: Drivers could save up to 10 percent on their auto policy because of their AAA membership.
• Professional/association: Policyholders within certain professions or educational associations may receive an extra discount on their car insurance.
• Loyalty: Drivers who maintain AAA auto insurance for more than a year may be eligible for a special loyalty discount.

USAA and AAA telematics programs

Both USAA and AAA offer usage-based telematics insurance programs that policyholders can choose to participate in for potential discounts. USAA SafePilot and AAADrive track your driving habits and provide feedback, as well as ways to improve.

USAA vs. AAA: customer experience comparison

USAA scores well in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, with 726 out of 1,000 points. However, it’s technically ineligible for ranking based on the company’s military-based coverage restrictions.

AAA is more complex to analyze, as multiple subsidiaries are scored in the J.D. Power Study. Two AAA companies (Auto Club of Southern California and CSAA) performed above average at 706 and 704, respectively. However, Automobile Club Group came in below the study average (697) at 692.

Both companies have highly rated mobile apps in both the App Store and Google Play Store, with over four-star ratings. In addition to insurance account and claims handling access, the USAA app also provides access to its banking and investment services while the AAA app provides access to other membership benefits like AAA-approved restaurants, hotels and auto repair centers.

Customer complaints

When choosing an insurance provider, it's helpful to consider how they handle customer complaints. The National Association of Insurance Commissioners (NAIC) Complaint Index serves as a valuable tool for this assessment. This index measures an insurance company's customer complaints relative to its size, calculated by comparing the number of complaints a company receives against its share of premiums in the industry. An index score of 1.00 suggests an insurer receives complaints proportional to its size. Scores higher than 1.00 indicate more complaints than average, while scores below that suggest fewer complaints. Understanding this index can help you gauge an insurer's reliability and customer service effectiveness.

USAA auto insurance customer complaints

AAA auto insurance customer complaints

Analyzing customer complaints for AAA auto insurance involves considering the NAIC Complaint Index for various underwriting companies due to AAA’s structure of multiple independent clubs. We focus on three of the largest AAA insurers: Auto Club Property-Casualty Insurance Company, Automobile Club Group and CSAA General Insurance Company. Among these, CSAA General Insurance Company has consistently shown the most positive results. However, across all the mentioned entities, trends suggest a general improvement in how customer grievances are being managed and resolved.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 25-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.