When comparing AAA and USAA car insurance, there are several key differences to consider.
While both companies offer standard auto insurance coverages, USAA tends to have cheaper rates for most drivers, especially those with good credit scores. AAA, on the other hand, provides more discount opportunities and a more comprehensive roadside assistance program.
| Feature | AAA | USAA |
|---|---|---|
| Average Annual Premium | $2,562 | $2,085 (seniors), $2,016 (good driver, good credit) |
| Discount Opportunities | More | Fewer |
| Roadside Assistance | More comprehensive | Cheaper for policyholders |
| Customer Complaint Ratio | Lower than industry average | N/A |
| Customer Service | Varies by region | Fast claims processing and repair services |
USAA’s average annual premiums are lower than AAA’s across various driver profiles, including young drivers, seniors, and those with good credit. However, AAA offers more discount opportunities, such as those related to its roadside assistance and trip planning services.
In terms of roadside assistance, AAA’s coverage is generally considered more comprehensive compared to USAA’s. AAA’s roadside assistance program comes in three tiers (Classic, Plus, and Premier), offering services like towing, extrication/winching, locksmith service, and fuel delivery.
Customer service quality varies by region for AAA, while USAA is known for fast claims processing and repair services. USAA also has a lower customer complaint ratio than the industry average, although specific data for AAA is not available.
It’s important to note that USAA is only available to military members, veterans, and their families, while AAA membership is open to the general public. The best option depends on your specific situation and needs.
It’s recommended to compare personalized quotes from both AAA and USAA, as well as other insurers, to find the most affordable coverage.
