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With so many insurance companies out there, it’s hard to know where to start when looking for auto insurance coverage. That’s why Jerry turned to the experts to help compare these two providers.
The table below compares ratings from the following five experts to give you a quick snapshot of each company’s strengths and weaknesses:
| USAA | State Auto | |
|---|---|---|
| Average Rating | 4.06 | 4.43 |
| Number of Reviews | 274 | 60 |
| BBB Rating | N/A | A+ |
| NAIC Rating | N/A | 4.34 |
| Clearsurance Rating | N/A | 3.44 |
| J.D Powers Rating | N/A | N/A |
| A.M. Best Rating | N/A | A- |
Here's how to interpret these scores:
Better Business Bureau (BBB): BBB ratings rank a company’s interactions with its customers on a scale from A+ to F.
National Association of Insurance Commissioners (NAIC): The NAIC is a regulatory body that evaluates the risk of insurance companies from NAIC-1 (safest) to NAIC-6 (extremely risky/close to default).
Clearsurance: Clearsurance is an independent insurance marketplace that gives ratings on a five-point scale based on customer reviews.
J.D. Power: In addition to reviewing cars, J.D. Power rates customer satisfaction for insurance companies on a 1,000-point scale.
A.M. Best: The world’s largest credit rating agency focused on the insurance industry, AM Best rates companies on financial stability, risk management, and market position with grades from A++ to D-.
How much does USAA and State Auto car insurance cost?
One of the biggest choices when picking an auto insurance policy is minimum coverage vs. full coverage. In general, a policy with collision and comprehensive insurance will cost more than one that only includes your state’s minimum liability limits—but which company offers a better average rate for each type of coverage?
| USAA | State Auto | National Average | |
|---|---|---|---|
| Minimum Insurance Required | -- | $1,433 | $1,707 |
| Full-Coverage Insurance | -- | $2,164 | $2,347 |
Compare USAA and State Auto insurance cost after DUI
State Auto is the most cost effective option after a DUI. If you’ve got a DUI on your record, you’re likely paying more than the average rate for car insurance. That’s because insurance companies take violations like DUI very seriously and raise rates for drivers they see as high-risk. But a DUI conviction might not carry the same weight with every company: see which provider is better for drivers with a DUI below.
-- | State Auto | National Average | |
|---|---|---|---|
| After DUI | $2,026 | $1,588 | $3,596 |
| Clean Record | $1,935 | $1,864 | $2,703 |
Compare USAA and State Auto insurance cost after speeding ticket
State Auto offers the cheapest insurance after a speeding ticket. Most drivers will exceed the speed limit at some point, whether by accident or on purpose. But your need for speed can raise your insurance rate if you’re caught traveling over the speed limit—particularly if it happens more than once in a short time. See how your rate could change with each provider below.
-- | State Auto | National Average | |
|---|---|---|---|
| After Speeding Ticket | $2,265 | $1,975 | $3,273 |
| Clean Record | $1,935 | $1,864 | $2,703 |
Compare USAA and State Auto insurance cost after an accident
Accidents happen. In fact, statistics show that the average driver will be in three to four car accidents over the course of their life. Your insurance policy will come to the rescue when that happens, but your premium is likely to rise after a claim. However, insurance companies won’t all raise your rate by the same amount, and some even have accident forgiveness for certain cases. If you have accidents on your record, USAA will likely offer the lowest rates of the two.
| USAA | State Auto | National Average | |
|---|---|---|---|
| Accidents | -- | $2,016 | -- |
| No Accidents | -- | $1,745 | -- |
Compare USAA and State Auto insurance rates by age
Which insurance company offers better rates for your age group? Check out our comparison:
Compare USAA and State Auto insurance rates for teens
If you’re getting ready to purchase your first-ever auto insurance policy—or preparing to add a teen to your existing policy—you probably already know that you’re looking at elevated premiums. Because teen drivers lack experience and have a statistically higher rate of both accidents and violations, insurance companies charge more—but which company charges the most for teen drivers?
| USAA | State Auto | National Average | |
|---|---|---|---|
| 16 year old | -- | -- | -- |
| 17 year old | -- | -- | -- |
| 18 year old | -- | $2,226 | -- |
| 19 year old | -- | $1,716 | -- |
Compare USAA and State Auto insurance rates for seniors
Teens aren’t the only age group with special concerns when it comes to auto insurance. If you’re looking for affordable car insurance coverage as a senior, you need a company that offers the best rates for drivers past age 55. Between USAA and State Auto, that's USAA. As an example, let’s look at the average rates for a 60-year-old man and woman from the two providers below.
| USAA | State Auto | National Average | |
|---|---|---|---|
| 60 year old Male | -- | $1,498 | -- |
| 60 year old Female | -- | $1,448 | -- |
| 60 year old Non-binary | -- | -- | -- |
Compare USAA and State Auto insurance rates by location
Check out which insurance company offers the best rates in your state:
| State | USAA Cost | State Auto Cost |
|---|---|---|
| Idaho | -- | $3,350 |
| New York | -- | $1,930 |
| Maryland | -- | $2,666 |
| Georgia | -- | $2,310 |
| Michigan | -- | $2,284 |
| California | -- | $2,291 |
| Connecticut | -- | $2,142 |
| Kentucky | -- | $2,240 |
| South Carolina | -- | $1,949 |
| Wisconsin | -- | $1,844 |
| New Jersey | -- | $1,440 |
| Massachusetts | -- | $2,079 |
| Florida | -- | $1,887 |
| North Carolina | -- | $1,690 |
| Minnesota | -- | $1,851 |
| Arkansas | -- | $1,951 |
| Maine | -- | $1,599 |
| Texas | -- | $1,924 |
| Missouri | -- | $1,921 |
| West Virginia | -- | $1,717 |
| Virginia | -- | $1,816 |
| Pennsylvania | -- | $1,804 |
| Colorado | -- | $1,819 |
| Tennessee | -- | $1,969 |
| Illinois | -- | $1,801 |
| Mississippi | -- | $1,891 |
| Arizona | -- | $1,789 |
| Alabama | -- | $1,769 |
| Kansas | -- | $1,642 |
| Indiana | -- | $1,659 |
| Ohio | -- | $1,583 |
| Oregon | -- | $1,422 |
| North Dakota | -- | $1,563 |
| Iowa | -- | $1,536 |
| South Dakota | -- | $1,537 |
| Utah | -- | $1,506 |
| New Mexico | -- | $1,758 |
| Washington | -- | $1,612 |
| Louisiana | -- | $1,118 |
| Oklahoma | -- | $1,499 |
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Compare USAA and State Auto insurance rates by location
Your insurance cost varies not only on you as a driver, but largely on the type of car you drive. Check out how much USAA and State Auto cost for some popular car manufacturers:
| Car Make | USAA Cost | State Auto Cost |
|---|---|---|
| Alfa Romeo | -- | $3,235 |
| Porsche | -- | $2,194 |
| Maserati | -- | $2,845 |
| Tesla | -- | $2,578 |
| Land Rover | -- | $1,969 |
| Ram | -- | $2,273 |
| Suzuki | -- | $1,300 |
| Bmw | -- | $2,096 |
| Mercedes-Benz | -- | $2,149 |
| Infiniti | -- | $2,077 |
| Mitsubishi | -- | $2,077 |
| Fiat | -- | $2,206 |
| Acura | -- | $1,877 |
| Dodge | -- | $2,050 |
| Chrysler | -- | $2,030 |
| Nissan | -- | $1,999 |
| Volkswagen | -- | $1,926 |
| Hyundai | -- | $1,969 |
| Kia | -- | $1,997 |
| Buick | -- | $1,939 |
| Lexus | -- | $1,934 |
| Jaguar | -- | $2,078 |
| Lincoln | -- | $1,830 |
| Subaru | -- | $1,890 |
| Honda | -- | $1,792 |
| Chevrolet | -- | $1,809 |
| Mazda | -- | $1,753 |
| Ford | -- | $1,812 |
| Mini | -- | $2,085 |
| Audi | -- | $1,932 |
| Cadillac | -- | $1,813 |
| Jeep | -- | $1,688 |
| Toyota | -- | $1,738 |
| Gmc | -- | $1,749 |
| Volvo | -- | $1,545 |
| Saturn | -- | $1,480 |
| Mercury | -- | $1,549 |
| Pontiac | -- | $1,473 |
| Isuzu | -- | $1,419 |
| Hummer | -- | $1,455 |
| Geo | -- | $1,155 |
| Oldsmobile | -- | $974 |
| Eagle | -- | $1,256 |
| Saab | -- | $883 |
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Compare USAA and State Auto insurance rates by credit score
You’re probably aware of how your credit score impacts your car payments—but did you know it can also influence the auto insurance quotes you get from different companies? See how these two insurers deal with applicants in different credit brackets below.
| USAA | State Auto | National Average | |
|---|---|---|---|
| Poor (300-500) | $0 | $1,507 | $1,796 |
| Fair (500-600) | $0 | $1,357 | $1,617 |
| Good (600-750) | $0 | $1,284 | $1,530 |
| Great (750-850) | $0 | $1,218 | $1,451 |
Read real USAA and State Auto reviews from Jerry users
But we’re not just concerned with what credit rating agencies and professional organizations have to say about these companies: for Jerry, our users are the ultimate experts. Here’s what Jerry users who got policies with each provider had to say about their experience.
