American Family Insurance vs. USAA Car Insurance: Expert Recommended (2023)

If you’re here, you’ve probably begun the process of finding your first, or next, insurer. To help simplify matters today, we’ll be comparing USAA Insurance and American Family Insurance. We’ll get into more details about American Family vs. USAA.

For instance, you may be wondering, “What does USAA stand for?” Well, to answer that question, it stands for United Services Automobile Association. If you’d like to learn more about this company in particular, read our USAA Insurance Review.

Before we get into the details, feel free to use our easy and helpful tool above simply by typing in your ZIP code to find affordable auto insurance quotes in your area. That way, you’ll be a happy customer, finding insurance policies that fit within your budget. And while financial stability is one thing, make sure you’re also paying attention to customer satisfaction ratings. There’s no harm in wanting a company to be able to give you an excellent customer experience as well as an affordable rate.

What can USAA do for you?

Let’s start with something that’s probably pretty important to you: pricing structure. Let’s take a look at a table that shows rates for the 10 main insurers in the country in each and every state.

Take note of the difference between American Family’s prices and USAA’s. Occasionally, USAA is more expensive than American Family, like in Kansas.

However, the vast majority of the states show that USAA is substantially cheaper than American Family as well as numerous other shown companies. For instance, look at Idaho, where USAA is about a whopping 50 percent cheaper than American Family.

Speaking of price, always accumulate as many special car insurance discounts as you can. In the age of COVID-19, you may be working from home. Inform your insurance agent of this and see if they have a program to lower your rates since you’ll be on the road less. Does USAA offer auto insurance discounts like this?

They do! USAA will give a discount on premiums based on the number of miles the insured drives in a given year. All you have to do is be age 29 or above and plug a USAA-provided device into your vehicle.

What can American Family Insurance do for you?

Another way to analyze a company’s pricing structure is to compare its rates to the state average. Let’s take a look at a table to see if American Family Insurance’s rates are better than your state’s average.

All in all, it’s pretty hit or miss. On the plus side, however, in the states where American Family is cheaper than the state average, it can be much cheaper. Take a look at Wisconsin, where American Family is a staggering 138% cheaper than the state average.

Remember how we discussed accumulating discounts? One such discount from American Family is the Dreams Restored Program.

This program finds the cheapest auto body shop located within your area, should the need arise.

Read more: How long does it take for American Family to process a car insurance claim?

Comparison of Claim Processes: American Family Insurance vs. USAA Car Insurance

Ease of Filing a Claim

When it comes to filing a claim with American Family Insurance and USAA Car Insurance, both companies offer a variety of convenient options. Policyholders can easily file claims online through the respective websites or dedicated mobile apps, ensuring a hassle-free and efficient process. Additionally, claims can also be filed over the phone for those who prefer a more traditional approach.

Average Claim Processing Time

The average claim processing time for both American Family Insurance and USAA Car Insurance is competitive and varies based on the nature and complexity of the claim. While specific processing times may differ, both companies strive to expedite the claims process to provide timely assistance to their policyholders.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts for both American Family Insurance and USAA Car Insurance is generally positive. Both companies are known for their commitment to customer satisfaction and work diligently to resolve claims fairly and efficiently. Policyholders often express satisfaction with the fairness of payouts and the overall claims experience.

Exploring Digital and Technological Features: American Family Insurance vs. USAA Car Insurance

Mobile App Features and Functionality

Both American Family Insurance and USAA Car Insurance offer comprehensive mobile apps equipped with a wide range of features and functionalities. These apps empower users to manage their insurance policies, file claims, access digital ID cards, and even monitor safe driving behaviors.

The user-friendly interfaces make it convenient for customers to handle their insurance needs conveniently on the go.

Online Account Management Capabilities

American Family Insurance and USAA Car Insurance provide robust online account management capabilities through their respective websites. Policyholders can easily log in to their accounts to view policy details, make payments, update personal information, and track the progress of their claims. These online platforms enhance the convenience of managing insurance policies.

Digital Tools and Resources

Both companies offer a wealth of digital tools and resources designed to assist their customers. These resources may include insurance calculators, educational materials, and resources to help policyholders better understand their coverage options. By leveraging these digital tools, policyholders can make informed decisions about their insurance needs.

How are USAA and American Family rated?

When you’re trying to decide if a company is right for you, you want to know that they’re going to be around for the long haul.

A good way to know this is to look at the reviews given by A.M. Best and the Better Business Bureau. Let’s take a look at a table showing these ratings for American Family, including some consumer complaint data.

As you can see, both A.M. Best and the BBB gave American Family an A rating. Not too shabby, right? Let’s see how USAA measures up.

As you can see, USAA scored a terrific A++ rating from A.M. Best. This is highly encouraging. However, the Better Business Bureau gave them a suboptimal rating of B-.

This all goes to show that you need to be thorough when comparing and contrasting companies. And, again, we want to stress how important it is that you ask questions about discounts. Any discount you think could apply to you, get.

Get a start on finding appealing auto insurance rates by typing your ZIP code into our free and helpful tool below. Which auto insurance company is for you? Find out now.