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

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

USAA state minimum coverage costs an average of $335 annually, while USAA costs $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 (50/100/50) car insurance
American Family	$1,698	$602	$870
USAA	$1,381	$335	$435

American Family vs. USAA: Rates by age group

For teens - one of the most expensive age groups to insure - USAA offers the lowest rates at $4,385 per year. American Family is more expensive, with an average cost of $4,515 for a teen driver.

Age plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.

For example, adults pay an average of $4,385 with USAA, while American Family charges an average of $4,515 for an adult.

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 lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.

For drivers with a DUI, USAA is more affordable, with average rates of $2,786.

Check the table below to see how American Family rates compare to USAA 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 are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where American Family and USAA offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.

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

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%
Daily commute	N/A	6%
Paperless/electornic documents	N/A	5%
Loyalty	5%	5%
Lower annual mileage	5%	3%
Electronic funds transfer	3%	5%
Homeowner	N/A	4%
Anti-theft device	3%	1%
Safety devices	1%	2%
Air bags	0%	2%

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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