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General rates
| Feature | Allstate | USAA | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,836/yr | ~$1,394/yr | ✓ USAA |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 1.1 — below average | 1.18 — below average | ✓ Allstate |
| Credit: excellentrate change for excellent credit | -13% | -10% | ✓ Allstate |
| Credit: fair / poorrate change for fair credit | +30% | +20% | ✓ USAA |
| Young drivers · 18–24surcharge vs 35–54 baseline | +18% | +14% | ✓ USAA |
| Drivers 55+discount vs 35–54 baseline | -8% | -8% | — |
| Homeowner discount | -10% | -6% | ✓ Allstate |
| Multi-policy discount | -8% | -10% | ✓ USAA |
| Lapsed coverage penaltysurcharge for coverage gap | +16% | +18% | ✓ Allstate |
| How to buy | Online + agent | Online / phone only | — |
| Telematics program | Drivewise | SafePilot | — |
About Allstate
Among the pricier majors, but accident forgiveness rewards loyal customers. Drivewise can offset base rates for safe drivers. In this comparison, Allstate has the advantage on complaints, excellent-credit rate, homeowner discount. Best for: Accident forgiveness programs.
About USAA
Available only to military-affiliated households. Lowest rates among major carriers for eligible drivers. In this comparison, USAA has the advantage on avg rate, fair-credit rate, young driver rate. Best for: Military members, veterans, and immediate family.
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