American Family vs. USAA: Which offers the cheapest auto insurance rates?

American Family vs. USAA: Which one is the cheapest?

USAA costs an average of $335, while American Family has average rates for state minimum coverage of $602.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, USAA costs an average of $1,381. American Family costs more at an average of $1,698.

It’s always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only car insurance
American Family	$1,698	$602	$870
USAA	$1,381	$335	$435

American Family vs. USAA: Rates by age group

For a teen – one of the most expensive age groups to insure – USAA has the cheapest rates, coming in at $4,385 per year. American Family costs an average of $4,515 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,406 at USAA, while at American Family the average rate for an adult is $1,701.

Age (group)	American Family	USAA
Teens	$4,515	$4,385
Young adults	$2,424	$2,159
Adults	$1,701	$1,406
Seniors	$1,813	$1,400

American Family vs. USAA: Rates for high-risk drivers

USAA has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, USAA is cheaper, with average rates of $2,786.

Take a look at the table below for American Family’s rates compared to USAA’s rates.

Type of violation	American Family	USAA
1 At-fault property damage accident over $2K	$2,447	$2,075
1 At-fault property damage accident under $2K	$2,447	$2,066
At-fault bodily injury accident	$2,542	$2,133
Careless driving	$2,205	$1,834
DUI	$2,908	$2,786
Reckless driving	$2,805	$2,100
Speeding	$2,321	$1,680

American Family vs. USAA: Rates in your state

Insurance rates vary from state to state. Carriers factor in data from your region and ZIP code, including weather, crime and traffic trends to calculate risk. The table below shows where you’ll find the cheapest rates for American Family and USAA. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

State	USAA	American Family
Alabama	$1,458	N/A
Alaska	$1,166	N/A
Arizona	$1,581	N/A
Arkansas	$1,090	N/A
California	$1,827	N/A
Colorado	$1,559	N/A
Connecticut	$606	N/A
Delaware	$1,463	$2,709
Georgia	$1,562	N/A
Hawaii	$1,067	N/A
Idaho	$742	N/A
Illinois	$1,745	N/A
Indiana	$783	N/A
Iowa	$1,165	N/A
Kansas	$1,151	N/A
Kentucky	$1,820	N/A
Louisiana	$1,973	N/A
Maine	$827	N/A
Maryland	$1,043	N/A
Massachusetts	$1,442	N/A
Michigan	$1,514	N/A
Minnesota	$1,382	N/A
Mississippi	$1,320	N/A
Missouri	$1,086	N/A
Montana	$919	N/A
Nebraska	$1,328	N/A
Nevada	$1,672	$2,429
New Hampshire	$852	N/A
New Mexico	$1,054	N/A
New York	$1,557	N/A
North Dakota	$826	$1,092
Ohio	$994	N/A
Oklahoma	$1,447	N/A
Oregon	$1,277	N/A
Pennsylvania	$1,806	N/A
Rhode Island	$1,147	$1,833
South Carolina	$1,451	N/A
South Dakota	$1,780	N/A
Tennessee	$1,194	N/A
Texas	$1,812	N/A
Utah	$1,237	N/A
Vermont	$803	N/A
Virginia	$1,192	N/A
Washington	$853	$1,750
Washington, D.C.	$1,230	N/A
West Virginia	$1,189	N/A
Wisconsin	$984	N/A
Wyoming	$1,230	N/A

N/A represents data is not available.

American Family vs. USAA: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts American Family and USAA offer to their customers.

Discounts	USAA	American Family
Marital Status	9%	11%
Payment Type	N/A	9%
Multi Policy	4%	9%
Days Advanced Purchase	5%	8%
Primary Use	15%	7%
Daily Commute	N/A	6%
Days Per Week Driven	N/A	6%
Loyalty - Years Renewal With Company	5%	5%
Paperless/Electornic Documents	N/A	5%
Lower Annual Mileage	5%	3%
Electronic Funds Transfer	3%	5%
Homeowner	N/A	4%
Years Licensed	30%	35%
Anti-Theft Device	3%	1%
Safety Devices	1%	2%
Air Bags	0%	2%
Years Insured	12%	14%

N/A represents data is not available.

Always be sure to ask about available discounts when you’re shopping around for insurance to see what you may qualify for.

American Family vs. USAA: The bottom line

Both American Family and USAA are solid insurance companies, but if rates are what matter most to you, USAA may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.

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