Auto-Owners vs USAA Car Insurance for 2023

Car insurance is a necessity for any driver, and with so many options out there, it can be tough to know which company to go with. Two popular options are Auto-Owners car insurance and USAA car insurance. In this review, we’ll compare the two providers to help you make an informed decision.

Here are three things to know about Auto-Owners and USAA:

• Auto-Owners has been in business for over 100 years and is known for its personalized customer service.
• USAA serves active and retired military members and their families, providing a range of financial products and services in addition to car insurance.
• Both companies have high customer satisfaction ratings.

Now, let’s dive deeper into the details of each company and their car insurance offerings.

Company History and Mission

Auto-Owners Insurance was founded in 1916 in Michigan and has since expanded to offer insurance in 26 states. The company’s mission is to provide “the best possible insurance coverage and service at the lowest possible cost.” They aim to achieve this by maintaining a strong financial foundation, focusing on customer satisfaction, and offering personalized service through a network of independent agents.

USAA, on the other hand, was founded in 1922 by a group of Army officers who wanted to insure each other’s vehicles. Today, the company offers a range of financial products and services to active and retired military members and their families. USAA’s mission is to help its members achieve financial security and peace of mind through its various offerings.

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Products and Services Offered

Both Auto-Owners and USAA offer a variety of insurance products, including car insurance, homeowners insurance, and umbrella insurance.

Auto-Owners offers standard car insurance coverage options, such as liability, collision, and comprehensive coverage. They also offer additional coverage options like rental car coverage, roadside assistance, and pet injury coverage. Auto-Owners provides discounts for safe driving, multiple policies, and good grades for students.

USAA offers similar car insurance coverage options, as well as additional coverage options such as accident forgiveness and rideshare coverage. USAA provides discounts for safe driving, bundling policies, and military service.

Cost of Services and States Where Services Are Offered

The cost of car insurance from both Auto-Owners and USAA will depend on a variety of factors, including your location, driving history, and the type of car you drive. However, according to a 2021 study by U.S. News & World Report, Auto-Owners’ average annual premium is $1,308, while USAA’s is $994. This makes USAA the more affordable option overall.

Auto-Owners offers car insurance in 26 states, primarily in the Midwest and Southeast regions. USAA offers car insurance in all 50 states and the District of Columbia.

Discounts Available to Customers

Both Auto-Owners and USAA offer discounts to help customers save money on their car insurance.

Auto-Owners offers a range of discounts, including:

• Safe driver discount
• Multiple policy discount
• Good student discount
• Vehicle safety discount
• Paid-in-full discount

USAA offers discounts for:

• Safe driver discount
• Good student discount
• Multi-vehicle discount
• Military installation discount
• Length of membership discount

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Customer Reviews

Auto-Owners and USAA both have high customer satisfaction ratings. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Auto-Owners ranks highest in customer satisfaction among small to midsize insurers, while USAA ranks highest among large insurers. Both companies have an “A+” rating from the Better Business Bureau.

FAQ

Q: Can anyone get car insurance from USAA?

A: No, USAA only serves active and retired military members and their

Q :What types of coverage do Auto-Owners and USAA offer?

A: Both Auto-Owners and USAA offer a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection. However, USAA also offers some unique coverage options, such as pet injury coverage and rental reimbursement coverage.

Q: Which company has better rates?

A: It’s difficult to say which company has better rates because the cost of car insurance depends on a variety of factors, including your driving history, the type of car you drive, your age, and where you live. However, USAA is known for offering competitive rates, and they often offer discounts to military members and their families.

Q: Which company has better customer service?

A: According to J.D. Power’s 2021 U.S. Auto Insurance Study, USAA ranks highest in overall customer satisfaction for the seventh consecutive year. Auto-Owners also received high marks for customer satisfaction, but they ranked slightly lower than USAA. Both companies have 24/7 customer support, and they both have high ratings for claims handling.

Q: Which company has better financial stability?

A: Both Auto-Owners and USAA have high ratings for financial stability from independent rating agencies such as A.M. Best and Moody’s. USAA has consistently been rated higher than Auto-Owners in this area, but both companies are considered to be financially stable and reliable.

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