USAA and The Auto Club Group 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 The Auto Club Group.
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 The Auto Club Group costs $525 per year, and USAA offers state minimum coverage at $312 annually.
- The full overage for The Auto Club Group costs $2,018 per year and for USAA costs $1,280 per year.
- For customer service, The Auto Club Group earned 3.5 out of 5 stars and USAA earned 4 out of 5 stars.
- Pet injury coverage, usage-based/Telematics, mobile app, and accident forgiveness are a few coverage options that The Auto Club Group provides. USAA offers different coverages including - no-drop promise, accident forgiveness, and 12-month policies.
- Multi-vehicle, multi-policy, and safe driver are a few discounts offered by The Auto Club Group and USAA offer.
- USAA vs The Auto Club Group: Which one is the cheapest?
- USAA vs The Auto Club Group: Rates by age group
- USAA vs The Auto Club Group: Rates for high-risk drivers
- USAA vs The Auto Club Group: Customer service and tech friendly
- USAA vs The Auto Club Group: Which has better coverage options?
- USAA vs The Auto Club Group: Which offers better discounts?
USAA vs The Auto Club Group: 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 The Auto Club Group. USAA offers full coverage insurance for an average of $1,280 per year and The Auto Club Group provides full coverage for $2,018 annually.
The cost of state minimum coverage from USAA is $312 per year and The Auto Club Group offers state minimum coverage for $525 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 |
|---|---|---|
| USAA | $1,280 | $312 |
| The Auto Club Group | $2,018 | $525 |
USAA vs The Auto Club Group: 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 The Auto Club Group. USAA offers insurance for teenagers at an average of $3,462 per year, whereas The Auto Club Group provides insurance to teen drivers for $7,439 annually.
| Age (group) | USAA | The Auto Club Group |
|---|---|---|
| Adults | $1,171 | $1,940 |
| Seniors | $1,169 | $1,943 |
| Teens | $3,462 | $7,439 |
| Young adults | $1,662 | $3,144 |
USAA vs The Auto Club Group: Rates for high-risk drivers
In our study we found that USAA is an affordable insurer for most drivers than The Auto Club Group. USAA is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,264 and The Auto Club Group's rates after a DUI/DWI offense is $4,114 per year.
When it comes to finding affordable rates for high-risk drivers, USAA and The Auto Club Group 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) | USAA | The Auto Club Group |
|---|---|---|
| 1 At-fault property damage accident over $2K | $1,634 | $3,587 |
| 1 At-fault property damage accident under $2K | $1,614 | $3,587 |
| At-fault bodily injury accident | $1,645 | $3,625 |
| Careless driving | $1,572 | $3,312 |
| DUI/DWI first offense | $2,264 | $4,114 |
| Reckless driving | $1,701 | $4,114 |
| Speeding | $1,425 | $3,433 |
USAA vs The Auto Club Group: Customer service and tech friendly
For customer service, USAA earned 4 stars out of 5, while The Auto Club Group earned 3.5 stars.
Which insurance company provides a better online experience? Both USAA and The Auto Club Group 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.
USAA vs The Auto Club Group: 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 USAA and The Auto Club Group have a wide range of coverage options. Below table shows the different coverages offered by USAA and The Auto Club Group:
USAA vs The Auto Club Group: 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 USAA and The Auto Club Group offer to policyholders, and which carrier fits your needs.
