USAA generally outperforms Allstate in customer satisfaction and premium costs, making it a strong choice for eligible members. Allstate provides a wide array of coverage options and discounts but tends to be more expensive with lower customer satisfaction.
| Attribute | USAA | Allstate |
|---|---|---|
| Customer Satisfaction Rating | USAA consistently receives high customer satisfaction scores, ranking 1st for customer service satisfaction among large insurers with a score of 8.95/10 overall. 99% of policyholders are pleased with the service. J.D. Power scores USAA highly in customer satisfaction. | Below average in overall auto customer satisfaction according to J.D. Power. Above average marks in J.D. Power's auto claims satisfaction study. An overall satisfaction score of 79 out of 100 in a NerdWallet survey (average among 11 insurers was 79). A customer satisfaction score of 33, based on user and customer ratings. |
| Claims Processing Speed | The time to resolve a claim depends on complexity, ranging from a few business days to several weeks. USAA uses machine learning to speed up auto claims, obtaining near-real-time damage estimates. Average processing time is around 7-10 business days. | Allstate does a good job of paying claims compared to the average insurance business, according to J.D. Power’s survey. |
| Policy Coverage Options | Offers a variety of basic auto insurance coverage options: liability, uninsured motorist, collision, and comprehensive. Also provides homeowners, umbrella, business, life, commercial auto, and health insurance. Optional extras include roadside assistance and car rental reimbursement. | Offers a wide range of coverage options, including liability, collision, comprehensive, uninsured motorist, and more. Additional options like rental reimbursement, roadside assistance, rideshare coverage, classic car insurance, and Mexico car insurance. |
| Premium Costs | Average car insurance rates are cheaper than average. Full coverage averages $1,897 per year, and minimum coverage averages $604. | Generally more expensive than competitors. Rates can be higher for teen drivers and those with recent tickets or accidents. |
| Financial Strength Rating | A++ from AM Best. Aa1 from Moody's Investors Service. AA+ from S&P Global Ratings. | A+ (Superior) from AM Best. |
| Digital Accessibility (app/website) | USAA provides a user-friendly experience with an excellent website and simple claims filing process. Offers a highly-rated mobile app for accessing ID cards and policy info, requesting roadside assistance and reporting claims. Regularly optimizes its website and mobile app for accessibility. | Digital web and app experience score increased 26% from last year to a satisfaction rate of 83%. 91% reported a positive experience accessing policy documents and services online. |
| Availability of Discounts | Offers several competitive discounts, including bundling (up to 10%), good student, and military on-base (up to 15%). SafePilot program offers discounts up to 30% for good drivers. | Offers a variety of discounts, including multiple policy, new car, smart student, and early signing discounts. Claims a 25% savings by bundling home and car policies. |
| Agent Accessibility and Support | Active military and veteran policyholders who value customer service and robust policy options might consider USAA. USAA offers exceptional customer service. | Allstate works with independent insurance agents. Offers 24/7 phone service, website, and mobile app support. |
| Range of Insurance Products Offered | Offers a wide range of insurance policies, including auto, home, renters, life, umbrella, and health insurance. Also offers pet, travel, special events, bicycle and electric bike, and mobile phone protection insurance. | Offers car, home, life, motorcycle, renters, and off-road insurance, among other products. Also offers business insurance and specialty insurance products. |
| Policy Customization Options | USAA allows you to customize policies by adjusting coverage limits, deductibles, and adding extras like accident forgiveness or glass coverage, depending on your state. You can customize your coverage limits, adjust deductibles, add or remove vehicles, and even explore additional coverage options. | Offers numerous ways to customize policies. Optional coverages to tailor policies to specific needs. |
| Complaint Resolution Process | USAA is relatively reasonable in early settlement discussions. The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for USAA. | Step 1: Speak with your claims advisor. Step 2: Request to speak with a claims manager. Step 3: Contact the ombudsman. |
| Community Involvement and Reputation | USAA is a leading provider of financial services to the U.S. military and their families. USAA is committed to providing its members with the best possible financial experience. | Established the Allstate Foundation in 1952, focused on community support. |