Allstate vs USAA
Side-by-side car insurance comparison based on rates across all available locations
Allstate
3.9Avg Monthly
$156/mo
Best Rate
$82/mo
Best For
Bundle savings
Top Discount
Multi-policy 25%
Founded
1931 · Northbrook, Illinois
Available In
14 locations
USAA
4.9Avg Monthly
$94/mo
Best Rate
$50/mo
Best For
Military families
Top Discount
Loyalty 10%
Available In
11 locations
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Rate Comparison by State
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Pros & Cons
Allstate
Pros
- ✓Drivewise telematics rewards safe driving habits
- ✓Broad network of local agents
- ✓New car replacement and gap insurance available
- ✓Deductible rewards programme reduces your excess over time
Cons
- ✗Rates tend to be above average versus national competitors
- ✗Some claims processes reported as slow by policyholders
USAA
Detailed profile not yet available for USAA.
Which Should You Choose?
USAA is the cheaper option in 4 of 4 states where both insurers operate, saving an average of $46/month. Allstate is cheaper in 0 states.
USAA has a higher average customer rating (4.9/5) compared to Allstate (3.9/5). However, ratings can vary by state and coverage type.
Allstate is generally best for bundle savings, while USAA stands out for military families. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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