USAA vs. The Auto Club Group: Which offers the cheapest auto insurance rates?

USAA vs. The Auto Club Group: Which one is the cheapest?

USAA state minimum coverage costs an average of $335 annually, while The Auto Club Group costs $488.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, USAA costs an average of $1,381. The Auto Club Group costs more at an average of $1,621.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
The Auto Club Group	$1,621	$488	$507
USAA	$1,381	$335	$435

USAA vs. The Auto Club Group: Rates by age group

For teens - one of the most expensive age groups to insure - USAA offers the lowest rates at $4,385 per year. The Auto Club Group is more expensive, with an average cost of $4,872 for a teen driver.

Age plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.

For example, adults pay an average of $4,385 with USAA, while The Auto Club Group charges an average of $4,872 for an adult.

Age group	USAA	The Auto Club Group
Teens	$4,385	$4,872
Young adults	$2,159	$2,757
Adults	$1,406	$1,607
Seniors	$1,400	$1,548

USAA vs. The Auto Club Group: Rates for high-risk drivers

USAA has the lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.

For drivers with a DUI, USAA is more affordable, with average rates of $2,786.

Check the table below to see how USAA rates compare to The Auto Club Group rates.

Type of violation	USAA	The Auto Club Group
1 At-fault property damage accident over $2K	$2,075	$2,557
1 At-fault property damage accident under $2K	$2,066	$2,557
At-fault bodily injury accident	$2,133	$2,557
Careless driving	$1,834	$2,904
DUI	$2,786	$4,957
Reckless driving	$2,100	$4,957
Speeding	$1,680	$3,033

USAA vs. The Auto Club Group: Rates in your state

Insurance rates are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where USAA and The Auto Club Group offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.

State	USAA	The Auto Club Group
Alabama	$1,458	N/A
Alaska	$1,166	N/A
Arizona	$1,581	N/A
Arkansas	$1,090	N/A
California	$1,827	N/A
Colorado	$1,559	N/A
Connecticut	$606	N/A
Delaware	$1,463	N/A
Georgia	$1,562	N/A
Hawaii	$1,067	N/A
Idaho	$742	N/A
Illinois	$1,745	$979
Indiana	$783	N/A
Iowa	$1,165	N/A
Kansas	$1,151	N/A
Kentucky	$1,820	N/A
Louisiana	$1,973	N/A
Maine	$827	N/A
Maryland	$1,043	N/A
Massachusetts	$1,442	N/A
Michigan	$1,514	$2,537
Minnesota	$1,382	$1,636
Mississippi	$1,320	N/A
Missouri	$1,086	N/A
Montana	$919	N/A
Nebraska	$1,328	N/A
Nevada	$1,672	N/A
New Hampshire	$852	N/A
New Mexico	$1,054	N/A
New York	$1,557	N/A
North Dakota	$826	N/A
Ohio	$994	N/A
Oklahoma	$1,447	N/A
Oregon	$1,277	N/A
Pennsylvania	$1,806	N/A
Rhode Island	$1,147	N/A
South Carolina	$1,451	N/A
South Dakota	$1,780	N/A
Tennessee	$1,194	N/A
Texas	$1,812	N/A
Utah	$1,237	N/A
Vermont	$803	N/A
Virginia	$1,192	N/A
Washington	$853	N/A
Washington, D.C.	$1,230	N/A
West Virginia	$1,189	N/A
Wisconsin	$984	N/A
Wyoming	$1,230	N/A

USAA vs. The Auto Club Group: Which offers better discounts?

Discounts are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts USAA and The Auto Club Group give to their customers.

Discounts	USAA	The Auto Club Group
Marital status	9%	11%
Payment type	N/A	8%
Electronic funds transfer	3%	7%
Daily commute	N/A	6%
Loyalty	5%	16%
Lower annual mileage	5%	2%
Days advanced purchase	5%	13%
Multi policy	4%	14%
Profession	N/A	4%
Anti-theft device	3%	2%
Safety devices	1%	3%
Paperless/electornic documents	N/A	2%
Education	N/A	2%
Air bags	0%	1%

Always remember to ask about discounts when comparing insurance options to find out what you might qualify for.

USAA vs. The Auto Club Group: The bottom line

Both USAA and The Auto Club Group are solid insurance companies, but if rates are what matter most to you, USAA may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.

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