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American Family vs USAA

Side-by-side car insurance comparison based on rates across all available locations

Lower Avg Rate

American Family

4.4

Avg Monthly

$79/mo

Best Rate

$60/mo

Best For

Great Plains families

Top Discount

KnowYourDrive 20%

Available In

9 locations

VS

USAA

4.9

Avg 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

American Family cheaper: 0USAA cheaper: 0

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Which Should You Choose?

American Family and USAA are evenly matched — each is cheaper in 0 of 0 states where both operate.

USAA has a higher average customer rating (4.9/5) compared to American Family (4.4/5). However, ratings can vary by state and coverage type.

American Family is generally best for great plains families, while USAA stands out for military families. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a USAA Quote

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American Family vs USAA — FAQs

Is American Family cheaper than USAA?
American Family is cheaper in 0 of 0 states where both operate. However, rates vary by location, so USAA may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — American Family or USAA?
American Family has an average rating of 4.4/5, while USAA averages 4.9/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does American Family offer vs USAA?
American Family's top discount is "KnowYourDrive 20%", while USAA offers "Loyalty 10%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.
Can I switch from American Family to USAA?
Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both American Family and USAA to compare rates for your specific situation.
Which is better for my state?
It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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