USAA vs Auto Club (AAA) Car Insurance

Buy Online

Our easy-to-use tool lets you compare quotes from top providers, all at once and online.


Connect with an Agent

Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.

(800) 956-8611
Mercury Insurance
The Hartford

Welcome to Insurance Online. Here, you can instantly compare rates from top car insurance companies in your zip code for free. Best of all, your information is safe and secure. With that said, let's compare the USAA and Auto Club.

USAA vs. Auto Club (AAA): Which Company Is Better For Car Insurance?

Choosing a car insurance company can be challenging because rates vary based on your personal driving history, location, age, and each company's discount programs are different. Two popular insurers that provide high quality auto insurance policies across the United States are Auto Club (AAA) and USAA.

To simplify the comparison process, we have looked into the average rates from the two companies and covered various factors to help you decided which company is best for you.

preloader Guy

Compare Rates From Top Rated Carriers in As Little as 2 Minutes

  • Tell us about yourself, your driving experience and your needs.
  • Our technology compares rates across the nation’s top carriers.
  • Choose your quote and secure your new rate in an instant.
Compare Rates
USAA vs Auto Club (AAA): Rates by Credit Score

If you have poor credit, then you might want to choose USAA. USAA tends to offer better insurance rates compared to AAA for those who have a credit score that is 580 or lower. On the other hand, if you have excellent credit or a score of 800+, then USAA is the better option. USAA regularly beat AAA by nearly $2,000 annually for drivers who have good credit. Below, we have provided you with the average rates by credit score for both companies:

Rates by Credit Score: USAA vs Auto Club (AAA)
Credit level USAA avg. annual premium Auto Club (AAA) avg. annual premium
Very Poor (300-579) $2,683 $6,562
Fair (580-669) $1,245 $4,020
Good (670-739) $1,056 $3,729
Very Good (740-799) $912 $3,006
Exceptional (800-850) $848 $2,815

Compare Auto Rates from Top Rated Carriers

Auto Club vs. USAA: Rates After Violations

For cases such as a reckless-driving, at-fault accident, or a DUI, USAA will probably be your best option. Different car insurance companies handle infractions differently. Compare multiple companies before you decide which one best suits you.

USAA vs. Auto Club: High Risk Insurance Rate Comparison
Citation USAA avg. annual premium Auto Club (AAA) avg. annual premium
At-Fault Accident (<$1,000 in Damages) $1,306 $4,076
At-Fault Accident (>$1,000 in Damages) $947 $4,000
DWI/DUI $1,951 $5,537
Reckless Driving $1,475 $5,535
Speeding ticket $1,128 $4,074

USAA vs Auto Club (AAA): Rates by Age

One important factor that determines your car insurance rate is your age. Rates are generally more expensive for teen drivers and are most affordable for customers who are 25 or older.

If you're a teen driver, then USAA is probably the best option. You could easily save over $7,000 per year. In the next section, we'll go into more detail about both company's rates based on your age.

Auto Club vs USAA: Car Insurance Rates by Age
Age bracket USAA avg. annual premium Auto Club (AAA) avg. annual premium
Teens $2,866 $10,252
20s $1,267 $4,645
30s $960 $4,649
40s $956 $3,190
50s $882 $3,081
60s $848 $2,884

Affordability, add-ons, discount programs, financial stability, and customer satisfaction differ for both Auto Club (AAA) and USAA. You'll want to compare these aspects from each company before purchasing a policy.

Discount Comparison USAA Auto Club (AAA)
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison USAA Auto Club (AAA)
Financial Strength  Superior Good
JD Power Rankings 
5 out of 5
2 out of 5
User Satisfaction 
Other Products USAA Auto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features USAA Auto Club (AAA)
About USAA is known for its award-winning service, unique products, and prioritizing their customers' needs. Auto Club offers customers personalized payment options, as well as competitive rates.
Roadside Assistance All of the Extended Vehicle Protection programs offered by USAA come with 24-hour roadside assistance, but the price will vary between plans. The service pays for $100 per instance resulting from a flat tire change, towing service, locksmith service, battery jump, and emergency gas delivery. You'll be covered up to $250 per instance for substitute transportation and up to $300 reimbursement for travel/lodging. AAA offers three tiers of roadside assistance; Premier, Plus, and Classic. All three plans include battery service, towing, emergency starting, locksmith service, winching service, and fuel delivery. The membership covers you, not your vehicle, so you can use the service, whether you're in a friend's car, your own, or a rental. As long as you're a cardholder, you can use four roadside assistance service calls per year.
Additional Discounts USAA offers several discounts. There is a discount for vehicles with daytime running lights, vehicles in storage, and a discount for members under 25 years old whose parents have had USAA auto insurance. AAA offers a number of rewards programs for members as well as a garage parking discount.
Recent Questions USAA Auto Club (AAA)
Can we join USAA if our son-in-law is a member?

Parents can't join. However, descendants are more than welcome. This means eligibility flows downstream.

Can my brother use his insurance for the damage he caused to my car?

Unfortunately not because car insurance doesn't follow the driver, it follows the vehicle. Your brother can't use his insurance to cover your vehicle's damage and you will be responsible for repairing your vehicle.

Can my son in law give me USAA insurance?

You need to be a child or a spouse to a member and so you won't be able to get auto insurance from your son-in-law.

What If My Car Was Damaged While Parked?

You'll want to let your insurance company know as soon as possible. The driver who is at fault or their insurance company should be responsible for paying for your vehicle, If their insurance doesn't cover everything, then your insurance policy may cover the remaining.