Brett Surbey

Corporate Paralegal

Brett Surbey is a corporate paralegal specializing in tax reorganizations and the creation of corporations so they can successfully navigate all aspects of their business and mitigate risks where necessary. He has assisted lawyers on a number of enigmatic transactions, including M&As, complex corporate succession plans, and amalgamations. In addition to his legal career, he is a known exper...

Corporate Paralegal

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

UPDATED: Oct 4, 2023

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To Sum It Up

  • 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.

Allstate vs. USAA: Average Annual Auto Insurance Rates by State
StateAllstate Average Annual RatesUSAA Average Annual Rates
District of Columbia$6,468.92$2,580.44
North Carolina$7,190.43Data Not Available
North Dakota$4,669.31$2,006.80
New Hampshire$2,725.01$1,906.96
New Jersey$5,713.58Data Not Available
New Mexico$4,200.65$2,296.77
New York$4,740.97$3,761.69
Rhode Island$4,959.45$4,323.98
South Carolina$3,903.43$3,424.77
South Dakota$4,723.72Data Not Available
West Virginia$3,820.68$1,984.62
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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 RecordAllstate Average Annual RatesUSAA 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
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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
GroupAllstate Average Annual RatesUSAA 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
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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 ScoreAllstateUSAA
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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 DistanceAllstate Average Annual RatesUSAA 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
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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 WebsiteAllstate RatingsUSAA Ratings
AM BestA+ (Superior) A++
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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 WebsiteAllstate RatingsUSAA Ratings
Consumer Reports8895
J.D. Power 853 (About Average)900 (Among the best)
Better Business BureauN/A1.29/5 stars
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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 CoverageAllstateUSAA
Bodily injury liabilityxx
Personal Injury Protection (PIP)xx
Property damage liabilityxx
Uninsured/underinsured bodily injuryxx
Uninsured/underinsured motorist property damagexx
Medical payments
Roadside assistance
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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
Adaptive Headlights
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingxx
Newer Vehiclexx
Green Vehiclex
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appxx
Early Signingxx
Family Legacyxx
Family Planx
Full Paymentx
Good Studentxx
Low Mileagexx
Military Garagingx
Multiple Policiesxx
Multiple Vehiclesx
Occasional Operatorx
On Time Paymentsx
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverxx
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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.