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 costs an average of $335, while The Auto Club Group has average rates for state minimum coverage of $488.

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. The Auto Club Group costs more at an average of $1,621.

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
USAA	$1,381	$335	$435
The Auto Club Group	$1,621	$488	$507

USAA vs. The Auto Club Group: 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. The Auto Club Group costs an average of $4,872 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 The Auto Club Group the average rate for an adult is $1,607.

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 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 USAA’s rates compared to The Auto Club Group’s 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. 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 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

N/A represents data is not available.

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%
Primary Use	15%	8%
Payment Type	N/A	8%
Electronic Funds Transfer	3%	7%
Daily Commute	N/A	6%
Loyalty - Years Renewal With Company	5%	16%
Lower Annual Mileage	5%	2%
Days Advanced Purchase	5%	13%
Multi Policy	4%	14%
Profession	N/A	4%
Years Licensed	30%	N/A
Safety Devices	1%	3%
Anti-Theft Device	3%	2%
Years Insured	12%	23%
Paperless/Electornic Documents	N/A	2%
Education	N/A	2%
Days Per Week Driven	N/A	13%
Air Bags	0%	1%

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.

USAA vs. The Auto Club Group: The bottom line

Both USAA and The Auto Club Group 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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