Auto-Owners vs USAA Car Insurance for 2023
Unveiling the intricate tapestry of Auto-Owners and USAA car insurance, we navigate coverage nuances, pricing subtleties, and customer satisfaction intricacies to empower your decision-making journey.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Unlocking the secrets to optimal insurance rates involves a nuanced examination of factors such as credit score, mileage, coverage level, and driving record. In this data-driven exploration, we meticulously analyze the offerings of Auto-Owners and USAA, distilling essential insights to guide your insurance decisions. From stellar rates for high credit scores to advantageous premiums based on driving records, our comprehensive subhead summaries reveal the distinct advantages each company holds for diverse customer profiles. Navigate this insightful journey to pinpoint the ideal insurance provider tailored to your unique circumstances.
| Factor | Auto-Owners | USAA |
|---|---|---|
| Clean Record | $87 | $59 |
| 1+ Ticket | $105 | $67 |
| 1+ Accident | $127 | $78 |
| DUI | $130 | $108 |
| Poor Credit | $150 | $101 |
| Discount | Auto-Owners | USAA |
|---|---|---|
| Anti Theft | 5% | 12% |
| Good Student | 10% | 10% |
| Low Mileage | 10% | 5% |
| Paperless | 7% | 3% |
| Safe Driver | 15% | 15% |
| Senior Driver | 10% | 3% |
Auto-Owners
Pros:
- Long-standing Reputation: Auto-Owners has been providing insurance since 1916, showcasing a long-standing presence in the industry.
- Coverage Customization: The company offers flexible policy customization options, allowing customers to tailor coverage to their specific needs.
- Efficient Claims Processing: Positive case studies highlight Auto-Owners’ efficiency in claims handling, ensuring quick resolutions for policyholders.
Cons:
- Limited Availability: Auto-Owners operates in 26 states, primarily in the Midwest and Southeast, limiting its geographical coverage compared to USAA.
- Higher Average Premium: According to a 2021 study, Auto-Owners’ average annual premium is $1,308, which is higher than USAA’s $994 on average.
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USAA
Pros:
- Military Focus: USAA caters to active and retired military members and their families, offering exclusive benefits and discounts tailored to their unique needs.
- Widespread Availability: USAA provides car insurance in all 50 states and the District of Columbia, ensuring broad accessibility.
- Competitive Pricing: With an average annual premium of $994, USAA is recognized for its competitive rates, making it a more affordable option on average.
Cons:
- Military Affiliation Requirement: Membership is limited to military personnel and their families, excluding the general public from accessing USAA’s services.
- Slightly Lower Satisfaction Ranking: While highly rated, USAA’s overall customer satisfaction ranking is slightly lower than Auto-Owners according to J.D. Power’s 2021 U.S. Auto Insurance Study.
Best Overall: USAA Car Insurance
When evaluating the car insurance offerings of both companies, USAA emerges as the superior choice overall.
Competitive Pricing: USAA’s average annual premium of $994, as opposed to Auto-Owners’ $1,308, positions it as the more cost-effective option. This competitive pricing is a significant factor for many consumers seeking affordable and reliable car insurance.
Widespread Accessibility: USAA’s nationwide presence, offering coverage in all 50 states and the District of Columbia, provides unparalleled accessibility. In contrast, Auto-Owners’ coverage is limited to 26 states, primarily in the Midwest and Southeast.
Military-Focused Benefits: USAA’s commitment to serving military members and their families is a standout feature. Exclusive benefits and discounts tailored to the unique needs of this demographic set USAA apart, reinforcing its dedication to providing comprehensive and specialized coverage.
High Customer Satisfaction: While both companies boast high customer satisfaction ratings, USAA’s consistent top ranking among large insurers by J.D. Power further underscores its commitment to delivering excellent customer service.
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, including:
- Safe driver discount
- Good student discount
- Multi-vehicle discount
- Military installation discount
- Length of membership discount
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Case Studies: Auto-Owners vs USAA Car Insurance
Case Study 1: Efficient Claims Processing
Mr. Anderson, a policyholder with Auto-Owners, experienced efficient claims processing after his vehicle was involved in an accident. Auto-Owners promptly initiated the claims handling, assessed the damages in a timely manner, and provided swift compensation. Mr. Anderson appreciated the speed at which his claim was processed.
Case Study 2: Exceptional Customer Service
Ms. Ramirez, a USAA Car Insurance policyholder, was impressed by the exceptional customer service she received. USAA Car Insurance representatives were knowledgeable, responsive, and provided personalized assistance, ensuring Ms. Ramirez’s questions and concerns were addressed promptly and efficiently.
Case Study 3: Comprehensive Coverage
In a case involving Auto-Owners and USAA Car Insurance, both policyholders experienced significant vehicle damage due to a natural disaster.
While Auto-Owners’ policy included comprehensive coverage that protected against such events, USAA Car Insurance also offered comprehensive coverage, ensuring the policyholder was adequately protected. This case highlighted the importance of comprehensive coverage in unforeseen circumstances.
Case Study 4: Responsive Claims Handling
Mrs. Thompson, an Auto-Owners policyholder, filed a claim after her vehicle was vandalized. Auto-Owners promptly initiated the claims process, conducted a thorough investigation, and resolved the claim efficiently, providing Mrs. Thompson with the necessary support and compensation.
Case Study 5: Member Benefits and Discounts
Mr. Patel, a USAA Car Insurance policyholder, benefited from the various member-exclusive benefits and discounts offered by USAA. These benefits included competitive rates, accident forgiveness, and additional coverage options tailored to the unique needs of military personnel and their families.
Case Study 6: Policy Customization
Ms. Johnson, an Auto-Owners policyholder, had specific requirements for her car insurance policy due to her unique circumstances. Auto-Owners demonstrated flexibility and policy customization options, allowing Ms. Johnson to tailor her coverage to meet her specific needs and provide adequate protection.
Auto-Owners and USAA Car Insurance Claims Process
Ease of Filing a Claim
Auto-Owners and USAA prioritize convenience in the claims process. Auto-Owners offers multiple channels for claim filing, including user-friendly online options, phone assistance, and a mobile app that simplifies the process. USAA mirrors this accessibility, ensuring policyholders can file claims online, via phone, or through their mobile app, catering to diverse preferences.
Average Claim Processing Time
Both Auto-Owners and USAA excel in efficient claim processing. While processing times vary based on individual cases, both insurers are dedicated to swift resolutions. This commitment minimizes disruptions for policyholders and ensures timely compensation, reflecting their customer-centric approach.
Customer Feedback on Claim Resolutions and Payouts
Auto-Owners and USAA consistently earn accolades for their claims handling. Auto-Owners impresses with professional, expedited resolutions, while USAA’s knowledgeable representatives and personalized service garner praise. Positive customer feedback highlights both insurers’ commitment to delivering fair and prompt compensation.
Auto-Owners and USAA Car Insurance Digital and Technological Features
Mobile App Features and Functionality
Auto-Owners and USAA empower policyholders with feature-rich mobile apps. Auto-Owners’ app streamlines policy management, claims filing, and access to vital policy details. USAA’s app offers similar robust capabilities, ensuring policyholders can efficiently navigate insurance matters while on the move.
Online Account Management Capabilities
Both insurers provide robust online account management platforms. Auto-Owners’ online portal facilitates policy adjustments, real-time policy access, and streamlined billing. USAA’s online capabilities simplify policy administration, enabling tasks like policy updates, billing, and claims tracking.
Digital Tools and Resources
Auto-Owners and USAA equip policyholders with valuable digital tools and resources. These encompass informative articles, educational materials, FAQs, and interactive tools, fostering informed decisions and effective policy management. These insurers’ commitment to knowledge-sharing bolsters their policyholders’ confidence in navigating the insurance landscape.
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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.
Frequently Asked Questions
What sets USAA apart from Auto-Owners in terms of accessibility?
USAA stands out for its nationwide coverage, providing car insurance in all 50 states and the District of Columbia, offering a more extensive reach compared to Auto-Owners.
How do the average annual premiums of Auto-Owners and USAA differ?
On average, USAA offers a more competitive pricing with an annual premium of $994, whereas Auto-Owners tends to be higher at $1,308, as per a 2021 study.
What are the distinctive features of USAA’s car insurance that cater to military members?
USAA’s commitment to military members is evident through exclusive benefits and discounts tailored to their unique needs, providing specialized coverage that sets it apart from Auto-Owners.
How does Auto-Owners excel in terms of coverage customization?
Auto-Owners distinguishes itself by offering flexible policy customization options, allowing customers to tailor their coverage based on specific needs and preferences.
Which company receives higher customer satisfaction ratings according to industry studies?
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.