USAA vs. The Auto Club Group: Which offers the cheapest auto insurance rates?

USAA vs. The Auto Club Group: Which one is the cheapest?

USAA state minimum coverage costs an average of $335 annually, while The Auto Club Group costs $488.

For full coverage with 100/300/100 liability and $500 deductibles for comprehensive and collision, USAA averages $1,381 per year. The Auto Club Group costs more, averaging $1,621 a year.

Always compare quotes because prices and required coverage vary by state and 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
The Auto Club Group	$1,621	$488	$507
USAA	$1,381	$335	$435

USAA vs. The Auto Club Group: Rates by age group

For teens – one of the most expensive age groups to insure – USAA has the cheapest rates, coming in at $4,385 per year. The Auto Club Group costs an average of $4,872 for a teen driver.

Age affects insurance rates greatly. Companies consider factors like speeding, accidents, and distracted driving. They see teen drivers as high-risk, making them one of the most expensive groups to insure. Rates usually drop as you get older.

For example, adults pay an average of $1,406 with USAA, while The Auto Club Group costs $1,607 for an adult, on average.

Age group	USAA	The Auto Club Group
Teens	$4,385	$4,872
Young adults	$2,159	$2,757
Adults	$1,406	$1,607
Seniors	$1,400	$1,548

USAA vs. The Auto Club Group: 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 USAA rates compare to The Auto Club Group rates.

Type of violation	USAA	The Auto Club Group
1 At-fault property damage accident over $2K	$2,075	$2,557
1 At-fault property damage accident under $2K	$2,066	$2,557
At-fault bodily injury accident	$2,133	$2,557
Careless driving	$1,834	$2,904
DUI	$2,786	$4,957
Reckless driving	$2,100	$4,957
Speeding	$1,680	$3,033

USAA vs. The Auto Club Group: Rates in your state

Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for USAA and The Auto Club Group. 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	The Auto Club Group
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	N/A
Georgia	$1,562	N/A
Hawaii	$1,067	N/A
Idaho	$742	N/A
Illinois	$1,745	$979
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	$2,537
Minnesota	$1,382	$1,636
Mississippi	$1,320	N/A
Missouri	$1,086	N/A
Montana	$919	N/A
Nebraska	$1,328	N/A
Nevada	$1,672	N/A
New Hampshire	$852	N/A
New Mexico	$1,054	N/A
New York	$1,557	N/A
North Dakota	$826	N/A
Ohio	$994	N/A
Oklahoma	$1,447	N/A
Oregon	$1,277	N/A
Pennsylvania	$1,806	N/A
Rhode Island	$1,147	N/A
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	N/A
Washington, D.C.	$1,230	N/A
West Virginia	$1,189	N/A
Wisconsin	$984	N/A
Wyoming	$1,230	N/A

USAA vs. The Auto Club Group: 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 USAA and The Auto Club Group offer to their customers.

Discounts	USAA	The Auto Club Group
Marital status	9%	11%
Payment type	N/A	8%
Electronic funds transfer	3%	7%
Daily commute	N/A	6%
Loyalty	5%	16%
Lower annual mileage	5%	2%
Days advanced purchase	5%	13%
Multi policy	4%	14%
Profession	N/A	4%
Anti-theft device	3%	2%
Safety devices	1%	3%
Paperless/electornic documents	N/A	2%
Education	N/A	2%
Air bags	0%	1%

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

USAA vs. The Auto Club Group: The bottom line

Both USAA and The Auto Club Group are good insurance companies, but if cheaper rates are your top priority, USAA might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: