American Family vs USAA: Which one is the cheapest?

If price is what’s most important, USAA is likely going to be the better choice. USAA usually offers lower rates than American Family. USAA offers full coverage insurance for an average of $1,381 per year and American Family provides full coverage for $1,698 annually.

The cost of state minimum coverage from USAA is $335 per year and American Family offers state minimum coverage for $602 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverage
American Family$1,698$602

American Family vs USAA: Rates by age group

USAA has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.

Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from USAA, as its rates are lower than American Family. USAA offers insurance for teenagers at an average of $4,385 per year, whereas American Family provides insurance to teen drivers for $4,515 annually.

Age (group)American FamilyUSAA
Young adults$2,424$2,159

American Family vs USAA: Rates for high-risk drivers

In our study we found that USAA is an affordable insurer for most drivers than American Family. USAA is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,493 and American Family's rates after a DUI/DWI offense is $2,497 per year.

When it comes to finding affordable rates for high-risk drivers, American Family and USAA are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.

Profile Value (group)American FamilyUSAA
1 At-fault property damage accident over $2K$2,101$1,861
1 At-fault property damage accident under $2K$2,091$1,853
At-fault bodily injury accident$2,122$1,922
Careless driving$2,173$1,661
DUI/DWI first offense$2,497$2,493
Reckless driving$2,740$1,883

American Family vs USAA: Customer service and tech friendly

For customer service, American Family earned 3.5 stars out of 5, while USAA earned 4 stars.

Which insurance company provides a better online experience? Both American Family and USAA offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.

American Family vs USAA: Which has better coverage options?

Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.

Both American Family and USAA have a wide range of coverage options. Below table shows the different coverages offered by American Family and USAA:

American Family vs USAA: Which offers better discounts?

Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options American Family and USAA offer to policyholders, and which carrier fits your needs.