AAA vs. USAA Car Insurance Comparison [2025]

Is the Automobile Club of Southern California (AAA) car insurance or the United Services Automobile Association (USAA) car insurance better?

Read through our AAA and USAA insurance comparison, and then read our AAA car insurance review and USAA car insurance review for more detailed information.

When selecting an insurance provider, it’s crucial to thoughtfully assess the type of plan you need. The optimal approach is to obtain quotes from the best car insurance companies to secure the most favorable deal. Occasionally, spending a bit more is worthwhile.

Use our FREE quote tool to explore car insurance comparisons! Enter your Zip code above to get started.

AAA and USAA R0adside Assistance

In the case of USAA vs. AAA auto insurance, you may want to consider AAA for auto insurance. AAA has a long history of customer satisfaction with car insurance plans and has a famous roadside assistance program.

Read more: The General Roadside Assistance

The USAA roadside assistance coverage isn’t quite as reliable. In fact, the roadside assistance from USAA has had a lot of complaints over the years from Consumer Reports and other professional reviewers such as the Better Business Bureau.

USAA vs. AAA insurance: What You Need to Know

USAA has a long and established history in this country which gives it the edge when acquiring new customers. Perhaps the most profound thing about USAA is their lack of a proper marketing plan.

You almost never see a USAA commercial on TV because they acquire clients on a word-of-mouth or inheritance basis. USAA car insurance is also only available to those who have served or are actively serving in the military, making it one of the best choices for car insurance for military members and their families.

USAA was such a hegemonic and well-established business that it dominated home and auto insurance from the early 1900’s onward.

This hasn’t kept USAA from retrofitting their policies or their prices, and they have an updated website and powerful E-marketing campaign in the works.

USAA generally has more comprehensive plans than AAA insurance, but AAA still has an overall better customer satisfaction rate when it comes to car insurance, which is probably a result of the emergency roadside service.

For more information on each roadside assistance service provider, check out both AAA’s and USAA’s websites.

Read more: AAA vs. Nationwide Car Insurance Comparison

AAA and USAA Road Services 

These two roadside assistance plans are pretty comparable. Both AAA and USAA’s car insurance roadside assistance plans include the following services:

• Lockout service
• Jump starts
• Flat tire change
• Emergency fuel delivery
• Towing service
• Trip interruption coverage

With AAA roadside assistance coverage, you get a few more options. With AAA’s battery service, a technician will come to your location and test your battery for you or switch out a dead battery for a new one. AAA will also do minor repairs to your vehicle if you are broken down, or tow you to the nearest repair facility. You also get extrication/winching service with AAA.

USAA vs. AAA Roadside Assistance Program: Which one is Cheaper

Like any kind of auto insurance coverage, there are a variety of factors that affect car insurance rates, including your age, gender, location, credit history, and driving record. It would be best to get a personalized auto insurance quote before making a decision.

Both companies offer the following discounts:

• Good student discount
• Multi-policy discount
• Multi-vehicle discount
• Safe driver discount
• Defensive driver discount

AAA insurance does not offer a military discount, so military personnel may find a better deal with USAA. Check out our guides to AAA car insurance discounts and USAA car insurance discounts for more information.

Is USAA Better Than AAA or Vice Versa

Both companies offer a wide variety of full coverage car insurance plans and everything in between. USAA is a well-established company with a good track record.

USAA has offices all around the U.S. as does AAA. AAA generally has cheaper auto insurance rates and offers a membership-based roadside assistance program.

Before you narrow down to just USAA and AAA, you should take a look at what other roadside assistance providers have to offer as well. Shop around to find the best deals on car insurance, and you could end up saving more than a hundred dollars yearly.

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