American Family and USAA are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, USAA offers the lowest insurance rates compared to American Family.
To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.
Key takeaways
- The state minimum coverage offered by American Family costs $631 per year, and Travelers offers state minimum coverage at $553 annually.
- The full overage for American Family costs $1,496 per year and for Travelers costs $1,591 per year.
- For customer service, both American Family and Travelers earned 3.5 out of 5 stars.
- Pet injury coverage, usage-based/Telematics, mobile app, and accident forgiveness are a few coverage options that American Family provides. Travelers offer different coverages including - usage-based/Telematics, New car replacement, mobile app, vanishing deductible, and accident forgiveness.
- Multi-vehicle, multi-policy, and safe driver are a few discounts offered by American Family and Travelers offer.
- American Family vs USAA: Which one is the cheapest?
- American Family vs USAA: Rates by age group
- American Family vs USAA: Rates for high-risk drivers
- American Family vs USAA: Customer service and tech friendly
- American Family vs USAA: Which has better coverage options?
- American Family vs USAA: Which offers better discounts?
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 $1,280 per year and American Family provides full coverage for $1,496 annually.
The cost of state minimum coverage from USAA is $312 per year and American Family offers state minimum coverage for $631 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage |
|---|---|---|
| American Family | $1,496 | $631 |
| USAA | $1,280 | $312 |
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 $3,462 per year, whereas American Family provides insurance to teen drivers for $3,611 annually.
| Age (group) | American Family | USAA |
|---|---|---|
| Adults | $1,343 | $1,171 |
| Seniors | $1,373 | $1,169 |
| Teens | $3,611 | $3,462 |
| Young adults | $1,872 | $1,662 |
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 $2,264 and American Family's rates after a DUI/DWI offense is $2,398 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 Family | USAA |
|---|---|---|
| 1 At-fault property damage accident over $2K | $1,879 | $1,634 |
| 1 At-fault property damage accident under $2K | $1,879 | $1,614 |
| At-fault bodily injury accident | $1,928 | $1,645 |
| Careless driving | $2,118 | $1,572 |
| DUI/DWI first offense | $2,398 | $2,264 |
| Reckless driving | $2,630 | $1,701 |
| Speeding | $2,188 | $1,425 |
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.
