American Family vs USAA Car Insurance for 2025

When it comes to choosing a car insurance company, there are many factors to consider. One of the most important is finding a provider that offers the coverage you need at a price you can afford. Two popular options are American Family and USAA.

• Both American Family and USAA offer a variety of discounts for safe driving, multiple policies, and military service.
• American Family offers a unique program called “KnowYourDrive,” which allows drivers to receive personalized feedback on their driving habits and potentially lower their insurance rates.
• USAA has consistently been ranked as one of the top car insurance companies in the country, with high customer satisfaction ratings.

While both companies offer car insurance, they differ in terms of their history, mission, and services. In this article, we will take a closer look at American Family car insurance vs USAA car insurance and provide an in-depth analysis of each provider.

History and Mission of American Family vs USAA

American Family was founded in 1927 and is headquartered in Madison, Wisconsin. The company’s mission is to “inspire, protect, and restore dreams” by providing comprehensive insurance products to individuals and families. American Family offers car insurance in 19 states, including Arizona, Colorado, and Iowa.

USAA, on the other hand, was founded in 1922 by a group of military officers who wanted to insure each other’s vehicles. Today, USAA serves millions of members who have served or are currently serving in the military, as well as their families.

The company’s mission is to “facilitate the financial security of its members, associates, and their families through provision of a full range of highly competitive financial products and services.” USAA offers car insurance in all 50 states.

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Products and Services: American Family vs USAA

American Family offers standard types of car insurance coverage such as liability coverage, collision coverage, and comprehensive coverage. In addition, they also offer personal injury protection, uninsured motorist coverage, and underinsured motorist coverage. These coverages can help protect you financially in the event of an accident, theft, or other unexpected events.

USAA also offers standard types of car insurance coverage such as liability coverage, collision coverage, and comprehensive coverage. They also offer personal injury protection, uninsured motorist coverage, and underinsured motorist coverage. In addition, USAA offers add-ons such as rental reimbursement, roadside assistance, and accident forgiveness.

Both American Family and USAA offer a range of car insurance products and services that can help protect you financially in the event of an accident or other unexpected events. Depending on your individual needs and circumstances, one provider may be a better fit for you than the other.

Cost of Coverage

The cost of car insurance from American Family and USAA can vary depending on a variety of factors, such as your age, driving history, location, and the type of coverage you select. Here is an overview of how the cost of insurance from each company compares:

American Family: According to a study by ValuePenguin, the average cost of car insurance from American Family is $1,178 per year. However, this can vary widely depending on factors such as location and driving history.

American Family offers a variety of discounts that can help lower the cost of your insurance, such as multi-policy discounts, good driver discounts, and discounts for taking a defensive driving course. They also offer the KnowYourDrive program, which can provide personalized feedback and potentially lower rates based on safe driving habits.

According to the same study by ValuePenguin, the average cost of car insurance from USAA is $875 per year. However, it’s worth noting that USAA only offers insurance to military members, veterans, and their families.

USAA also offers a variety of discounts that can help lower the cost of your insurance, such as safe driver discounts, multi-vehicle discounts, and loyalty discounts. They also offer the SafePilot program, which can provide personalized feedback and potentially lower rates based on safe driving habits.

States Offering American Family and USAA

American Family and USAA are both car insurance providers that offer coverage in a variety of states across the US. Here is an overview of the states where each company offers coverage:

American Family: American Family offers car insurance in 19 states across the US, including:

• Arizona
• Colorado
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Minnesota
• Missouri
• Nebraska
• Nevada
• North Dakota
• Ohio
• Oregon
• South Dakota
• Utah
• Washington
• Wisconsin

It’s worth noting that American Family offers different types of insurance products and coverage options in different states, so it’s important to check with the company directly to see what options are available in your area.

USAA: USAA offers car insurance in all 50 states, as well as Washington D.C. However, as mentioned earlier, USAA only offers insurance to military members, veterans, and their families, so not everyone is eligible to purchase coverage from USAA.

It’s worth noting that the availability of insurance products and coverage options can vary by state, so it’s important to check with each company directly to see what options are available in your area.

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Discounts Available

Both American Family and USAA offer a variety of discounts that can help customers save money on their car insurance premiums. Here is an overview of the discounts offered by each company:

American Family:

• Multi-policy discount: If you have more than one policy with American Family, such as home or life insurance, you can save money on your car insurance premiums.
• Good driver discount: If you have a clean driving record, you may be eligible for a discount on your car insurance premiums.
• Defensive driving discount: If you complete a state-approved defensive driving course, you may be eligible for a discount on your car insurance premiums.
• KnowYourDrive discount: If you sign up for American Family’s KnowYourDrive program, which uses telematics technology to monitor your driving habits, you may be eligible for a discount based on your safe driving habits.
• Young driver discount: If you have a young driver on your policy who maintains good grades, you may be eligible for a discount on your car insurance premiums.
• Loyalty discount: If you’ve been with American Family for a certain amount of time, you may be eligible for a discount on your car insurance premiums.

USAA:

• Safe driver discount: If you have a clean driving record, you may be eligible for a discount on your car insurance premiums.
• Multi-vehicle discount: If you insure more than one vehicle with USAA, you may be eligible for a discount on your car insurance premiums.
• Loyalty discount: If you’ve been with USAA for a certain amount of time, you may be eligible for a discount on your car insurance premiums.
• Family discount: If your parents are USAA members, you may be eligible for a discount on your car insurance premiums.
• Good student discount: If you maintain good grades in school, you may be eligible for a discount on your car insurance premiums.
• Defensive driving discount: If you complete a state-approved defensive driving course, you may be eligible for a discount on your car insurance premiums.
• Vehicle storage discount: If you store your car on a military base while you’re deployed, you may be eligible for a discount on your car insurance premiums.

It’s worth noting that the discounts offered by each company can vary depending on your location and other factors, and not all discounts may be available in all states. Additionally, it’s important to consider other factors besides discounts when choosing a car insurance provider, such as the cost of insurance, the quality of customer service, and the range of products and services offered.

FAQs

Here are some frequently asked questions (FAQs) about American Family and USAA car insurance:

American Family:

Q: What types of coverage does American Family offer?

A: American Family offers a range of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.

Q: Can I manage my American Family policy online?

A: Yes, American Family offers an online account management system that allows you to view your policy, make payments, and more.

Q: How can I report a claim to American Family?

A: You can report a claim to American Family online, over the phone, or through the company’s mobile app.

Q: Does American Family offer roadside assistance?

A: Yes, American Family offers roadside assistance as an optional add-on to your policy.

USAA:

Q: Who is eligible for USAA car insurance?

A: USAA car insurance is available to active and retired members of the U.S. military and their immediate family members.

Q: What types of coverage does USAA offer?

A: USAA offers a range of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.

Q: Can I manage my USAA policy online?

A: Yes, USAA offers an online account management system that allows you to view your policy, make payments, and more.

Q: How can I report a claim to USAA?

A: You can report a claim to USAA online, over the phone, or through the company’s mobile app.

If you have questions or concerns about your car insurance policy, it’s always a good idea to reach out to your insurance provider directly for more information.

Roundup: American Family vs USAA

In conclusion, both American Family and USAA offer a range of car insurance products and services to their customers, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection coverage. Both companies also offer online account management systems and roadside assistance as optional add-ons to their policies.

Ultimately, the best car insurance company for you will depend on your individual needs and preferences, as well as the coverage options and pricing available in your area. It’s always a good idea to compare quotes and research different companies before making a decision to ensure that you’re getting the coverage you need at a price that fits your budget.

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