Allstate vs USAA: Difference and Comparison

Allstate and USAA are car insurers. Both were held in the state of America. Both of them cover only the area under the United States of America.

Allstate was founded in the year 1931 and is now the largest personal line insurer that is publicly held in the entire nation.

The other insurance agency, USAA, was founded by military members and was started just for the military people and their families.

It was founded in the 1920s, which was a time of both social and political change in the country.

Key Takeaways

  1. Allstate offers a wide range of insurance policies, including life, health, and travel insurance, whereas USAA only provides insurance coverage to military personnel and their families.
  2. Allstate discounts drivers who maintain a clean driving record. At the same time, USAA offers discounts for safe driving and military affiliation.
  3. Allstate has a larger customer base than USAA, which has a more selective membership base.

Allstate vs USAA

Allstate is a publicly traded insurance company that offers a wide range of insurance products tailored specifically to the general public. USAA is a private insurance company that primarily serves members of the military and their families with insurance products tailored towards their needs.

Allstate vs USAA

Allstate was founded by former Seas, Roebuck, and the co-president and board chairman general, Robert E. Wood. Robert E.

Wood was initially used to sell policies via his mail, which, if we look into is a great and smart move. The name Allstate has its own interesting story behind it.

It was taken from a Sears catalogue from a tire that was sold in the catalogue. The place was in the Chicago sear store.

USAA was founded by military members only and is used to serve military members and their families only.

In the state of Texas, in San Antonio, 25 military members met, and they decided to insure each other’s vehicles for future cases. At that time, they only named William Garrison as their very first president.

Also Read:  Salary vs Hourly: Difference and Comparison

Comparison Table

Parameters of ComparisonAllstateUSAA
What are they?Allstate is a car insurance agency held in Dallas and operating all over America.USAA is a car insurance agency held in San Antonio, providing services to military members and their families.
Easy to findAll over the country, there are about 19000 contractors of Allstate, which makes it easy to find anywhere.The USAA has its mobile app, which is very easy to use and manage, which also makes it easy to find.
ProsAllstate is said to be the third-largest insurer in the auto-mobile area in America.USAA is there to offer financial literacy classes too to their members.
Mobile appThe mobile app for Allstate is available for both Android and iOS,The mobile app for USAA is available for both android and ios.  
Aviation insuranceAllstate does not provide insurance for aviation.USAA does provide aviation insurance.

What is Allstate?

Allstate is a publicly held insurance company and was founded in 1931. On average, the amount of premium is fixed for almost every state in the USA.

Although, the premium does not stay the same for every state in America. The cheapest one for Allstate would be North Carolina, while there is the most expensive one, too, and that is Michigan State.

There is a list of discounts in several areas that the company offers- Allstate eSmart discount, anti-lock brake discount, deductible advance, anti-theft device discount, EZ play discount, early pay discount, fully discount, multi-policy discount, new car discount, safe driving bonus, smart student discount, and responsible payer discount.

allstate car insurance

What is USAA?

USAA is a car insurance company but has its services limited to only military members and their families. USAA was founded in the times of social and political change in America in the 1920s.

The premium stays the same for most states by USAA, too. However, here, the monthly premium does not always stay the same for each and every state.

Also Read:  Yankees vs Mets: Difference and Comparison

As the monthly charges vary from one state to another, the cheapest one for USAA is Maine, while the most expensive one is in New York.

There is a list of discounts in several areas that the company offers- annual mileage, automatic payment discount, defensive driving course discount, family discount, good student discount, discount for driving research, driver training course discount, military installation, multi-policy discount, new vehicle discount, and premium driver discount.

usaa

Main Differences Between Allstate and USAA

  1. The main difference between Allstate and USAA is that Allstate provides insurance to everyone regardless of their background, while USAA only provides its services to military members and their families.
  2. Basically, Allstate is a car insurance agency held in Dallas and operating all over America, while USAA is also a car insurance agency held in San Antonio but provides services to military members and their families.
  3. Well, it is not as hard to find an insurance agent as it looks all over the country, there are about 19000 contractors of Allstate, which makes it easy to find anywhere, and the USAA has their mobile app, which is very easy to use and manage which also makes it easy to find.
  4. The biggest pro of Allstate is that it is said to be the third-largest insurer in the auto-mobile area in America, while that of USAA is that it is there to offer financial literacy classes to its members.
  5. Talking of their availability and their active apps, the mobile app for Allstate is available for both Android and iOS, and the mobile app for USAA is available for both Android and iOS. 
  6. Aviation insurance is one of the major aspects that a person looks for, but unfortunately, Allstate does not provide insurance for aviation, while USAA does provide aviation insurance.
References
  1. https://scholar.google.com/scholar?hl=en&as_sdt=0,5&qsp=1&q=allstate+insurance+company&qst=ib
  2. https://scholar.google.com/scholar?hl=en&as_sdt=0,5&qsp=7&q=usaa+auto+insurance&qst=ib

Last Updated : 31 August, 2023

dot 1
One request?

I’ve put so much effort writing this blog post to provide value to you. It’ll be very helpful for me, if you consider sharing it on social media or with your friends/family. SHARING IS ♥️

12 thoughts on “Allstate vs USAA: Difference and Comparison”

  1. This article lays out a clear comparison between Allstate and USAA. However, it should consider the feedback and complaints from customers to provide an unbiased perspective.

    Reply
  2. The article fails to address the potential drawbacks of availing services from both companies. It is crucial to consider the cons as well before making a decision.

    Reply
  3. The provision of state-specific premium variations for both companies is a valuable addition to the comparison. It acknowledges the diverse pricing strategies based on location.

    Reply
  4. The historical background of both companies is intriguing. It adds depth to the comparison and helps in understanding their origin and growth.

    Reply
  5. This article provides a comprehensive comparison between Allstate and USAA. It is informative and highlights the main differences between the two insurance companies.

    Reply
  6. The detailed analysis of the discounts offered by Allstate and USAA is helpful for potential customers. It gives insight into the cost-saving opportunities.

    Reply
  7. The lack of aviation insurance provision by Allstate is a crucial drawback highlighted in the article. It provides a comprehensive view of the limitations of both companies.

    Reply
  8. The comparison table is a useful visual aid to understand the differences between Allstate and USAA. It simplifies complex information for easy comprehension.

    Reply

Leave a Comment

Want to save this article for later? Click the heart in the bottom right corner to save to your own articles box!