Ameriprise vs. USAA Car Insurance Comparison [2024]
When comparing Ameriprise vs. USAA car insurance, each company offers drastically different products. Ameriprise's car insurance is provided by CONNECT from American Family, and USAA only serves military members and their families. Ameriprise has an A+ A.M. Best rating, while USAA has an A++ rating. Choosing between Ameriprise or USAA car insurance companies is mostly based on personal preference.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
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UPDATED: Nov 21, 2024
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- Ameriprise provides car insurance policies through CONNECT from American Family
- USAA provides insurance for military members and their family members
- Both companies have great customer service, but they focus primarily on online transactions
It is essential to get car insurance before getting behind the wheel of a vehicle. This typically isn’t optional. In most, drivers are required to carry vehicle insurance by law. Some offer the option to show “financial responsibility” through bonds, self-insurance, etc. The most common form even in those states is personal auto insurance and sometimes accompanying umbrella policies.
While drivers seeking cheap car insurance have many options, sorting through them all can take a long time. We can help you find out which insurance provider and coverage is ideal for your car and circumstances by comparing Ameriprise vs. USAA car insurance companies.
Before jumping into this Ameriprise vs. USAA car insurance review, enter your ZIP code in our free comparison tool to get insurance quotes from companies in your area.
What car insurance products do Ameriprise and USAA offer?
Ameriprise auto insurance is available to everyone, but the company is better known for its life insurance offerings. Keep in mind, Ameriprise can offer you more than an auto insurance policy. They have diverse financial offerings. Ameriprise’s car insurance policies are provided by CONNECT from American Family car insurance. However, J.D. Power rates Ameriprise first in California car insurance.
Ameriprise offers car insurance savings to Costco customers. Costco executive members, for example, are entitled to free roadside assistance. They may not be the cheapest compared to many big name insurance companies. Especially for a defensive driver, though, they can offer low rates coupled with company reliability.
Costco’s executive membership costs $120 per year. This is $60 more than a regular Costco membership. The roadside assistance feature helps to offset the executive membership cost. You also save money on vehicle insurance.
You do not, however, need to be a Costco member to join Ameriprise. It has a wide range of car insurance choices for most states in the U.S.
Ameriprise is still primarily concerned with investment. As a result, the company’s website and app cater to this service. This could be a problem for some, as it makes it more difficult to manage your policy efficiently. Of course, Ameriprise is constantly evolving. So whether you’re looking at key coverage or app features, what’s true now may not be accurate in a few months. Your insurance premium isn’t the only thing that can change when you renew your policy. Many times, affordable prices are just a few clicks away.
The USAA car insurance reviews are excellent. The company is well-known for its low prices and great customer service. It’s one of just two providers with a J.D. Power rating of 5/5.
USAA provides car insurance for military members and their families. It offers coverages including comprehensive car insurance, collision car insurance, liability car insurance, uninsured or underinsured motorist coverage, and full coverage car insurance at extremely affordable prices. For anyone outside the military system including widows of former service members, USAA coverage is not readily available. Widows and children of a deceased military member can only get coverage with USAA if the original military member had a USAA account.
If you remain accident-free for five years with USAA, the company will not increase your rates for your first at-fault accident. Like many other companies, they offer accident forgiveness along with a student discount under some circumstances and more.
Read more: 21st Century vs. USAA Car Insurance Comparison
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How much are Ameriprise vs. USAA car insurance rates?
Depending on your driving history and other factors, Ameriprise car insurance rates can vary, with prices being higher for younger drivers. Both companies have great financial strength, but USAA has a much more limited target audience.
Ameriprise, for example, had the second-lowest rates among competitors for a 30-year-old single man with a clean driving record. Their low rates are partially related to the fact that they don’t take many drivers. However, Ameriprise is much more costly for a single 20-year-old woman with a clean driving record.
When an at-fault accident is added to otherwise clean driver profiles, a similar trend emerges: car insurance for young drivers costs more. For military members, though, USAA is overwhelmingly cheaper than competitors.
How much is USAA car insurance? According to our research, USAA is one of the cheapest car insurance providers, with an average annual rate of $875.
Which company has a greater variety of discounts?
We know everyone wants to most affordable Ameriprise or USAA car insurance quotes. Shopping for car insurance discounts is a great way to ensure you’re getting the best price.
Ameriprise is known for providing a broad range of car insurance savings opportunities. The majority of the discounts are pretty common: multi-policy discounts, insuring several cars, defensive driver discounts, and having specific vehicle safety features.
There are, however, a few discounts that are exclusive to Ameriprise, such as garaging, tenure, education, and premium safety. Because of their limited clientele, USAA applies an automatic discount for military status for all types of insurance. They also have discounts you might expect from other insurance companies.
Below, you can see how Ameriprise and USAA stack up against each other and other major car insurance companies for discount offerings:
Car Insurance Discounts Available by Company
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | 10% | 8% | 5% | X | 5% | 8% | 7% | 10% | 9% | 15% |
| Adaptive Headlights | 5% | 5% | 3% | X | 5% | 6% | 4% | 7% | 5% | 8% |
| Anti-lock Brakes | 10% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | X | X |
| Anti-Theft | 10% | 15% | X | 23% | 20% | 25% | 5% | 15% | X | X |
| Claim Free | 35% | 5% | 5% | 26% | 8% | 10% | 7% | 15% | 23% | 12% |
| Continuous Coverage | X | 5% | 5% | X | 8% | 10% | 8% | 12% | 15% | 7% |
| Daytime Running Lights | 2% | X | 5% | 3% | 5% | 5% | 5% | 5% | X | X |
| Defensive Driver | 10% | 10% | 8% | 8% | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | 5% | 8% | 5% | 6% | 10% | 7% | 15% | 7% | X |
| Driver's Ed | 10% | 8% | 5% | 5% | 10% | 7% | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | 15% | 5% | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | 5% | 5% | 5% | 6% | 8% | 5% | 5% | 10% | 12% |
| Electronic Stability Control | 2% | 5% | 3% | 5% | 5% | 8% | 5% | 7% | 8% | 8% |
| Emergency Deployment | 15% | 8% | 5% | 25% | 8% | 10% | X | 7% | 9% | 6% |
| Engaged Couple | 5% | 5% | 3% | 5% | 5% | 5% | 5% | 4% | 5% | 6% |
| Family Legacy | 7% | 5% | 3% | 8% | 6% | 8% | 10% | 6% | 7% | 10% |
| Family Plan | 5% | 7% | 8% | 10% | 8% | 25% | 7% | 7% | 8% | 8% |
| Farm Vehicle | 10% | 5% | 3% | X | 7% | 8% | X | 5% | 9% | 8% |
| Fast 5 | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Federal Employee | 6% | 8% | 6% | 12% | 10% | 5% | 6% | 6% | 7% | 5% |
| Forward Collision Warning | 8% | 5% | 5% | 5% | 5% | 5% | 8% | 6% | 7% | 5% |
| Full Payment | 10% | 5% | 5% | 5% | 5% | 8% | 5% | 6% | 8% | 5% |
| Further Education | 3% | 5% | 5% | X | 5% | 5% | 5% | 4% | 5% | 5% |
| Garaging/Storing | 5% | 5% | 5% | X | 8% | 5% | 5% | 7% | X | 10% |
| Good Credit | 7% | 7% | 8% | 8% | 5% | 7% | 7% | 7% | 8% | 7% |
| Good Student | 20% | 8% | X | 15% | 23% | 10% | 5% | 25% | 8% | 3% |
| Green Vehicle | 10% | 5% | 5% | 5% | 10% | 7% | 8% | 10% | 10% | 7% |
| Homeowner | 5% | 8% | 5% | 6% | 5% | 5% | 5% | 3% | 5% | 5% |
| Lane Departure Warning | 5% | 5% | 5% | 5% | X | 5% | 5% | 5% | 5% | 5% |
| Life Insurance | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Low Mileage | X | 5% | X | 5% | X | X | 5% | 30% | X | X |
| Loyalty | 7% | 8% | 6% | 5% | 8% | 5% | 8% | 6% | 9% | X |
| Married | 5% | 5% | 5% | 5% | 6% | 5% | 5% | 5% | 5% | 6% |
| Membership/Group | 5% | 5% | 5% | 7% | 10% | 7% | 6% | 8% | 7% | 5% |
| Military | X | 5% | 5% | 15% | 4% | 5% | X | X | 5% | X |
| Military Garaging | 10% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 15% |
| Multiple Drivers | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Multiple Policies | 10% | 29% | 5% | 10% | 20% | 10% | 12% | 17% | 13% | X |
| Multiple Vehicles | X | 5% | 5% | 25% | 10% | 20% | 10% | 20% | 8% | X |
| New Address | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| New Customer/New Plan | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| New Graduate | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| New Vehicle | 30% | 8% | 5% | 15% | 6% | 8% | X | 40% | 10% | 12% |
| Newly Licensed | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Newlyweds | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Non-Smoker/Non-Drinker | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Occasional Operator | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Occupation | 10% | 5% | 5% | 5% | 10% | 15% | 5% | 5% | 5% | 5% |
| On-Time Payments | 5% | 5% | X | 5% | 5% | 5% | 5% | 5% | 15% | 5% |
| Online Shopper | 5% | 5% | 5% | 5% | 5% | 5% | 7% | 5% | 5% | 5% |
| Paperless Documents | 10% | 5% | X | X | 5% | 5% | $50 | 5% | 5% | 5% |
| Paperless/Auto Billing | 5% | 5% | X | 5% | 5% | 30% | 50 | 20% | 3% | 3% |
| Passive Restraint | 30% | 30% | X | 40% | X | 20% | 5% | 40% | X | X |
| Recent Retirees | 5% | 5% | 5% | 5% | 4% | 5% | 5% | 5% | 5% | 5% |
| Renter | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Roadside Assistance | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Safe Driver | 45% | 8% | X | 15% | 8% | 35% | 31% | 15% | 23% | 12% |
| Seat Belt Use | 5% | 5% | 5% | 15% | 5% | 5% | X | 5% | 5% | 5% |
| Senior Driver | 10% | 5% | 6% | 5% | 6% | 8% | 7% | 5% | 5% | 7% |
| Stable Residence | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Students & Alumni | 5% | 5% | 5% | X | 10% | 7% | X | 5% | 5% | 5% |
| Switching Provider | 5% | X | X | 8% | 10% | 8% | X | 8% | 8% | 10% |
| Utility Vehicle | 15% | 5% | 5% | X | 6% | 7% | X | 8% | 9% | 5% |
| Vehicle Recovery | 10% | 5% | 5% | 15% | 35% | 25% | 5% | 5% | X | X |
| VIN Etching | 5% | 5% | 5% | 5% | 5% | X | 5% | 5% | X | X |
| Volunteer | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Young Driver | 15% | 5% | 8% | 8% | 8% | 6% | 7% | 8% | 8% | 50% |
Read more: Ameriprise vs. The Hanover Car Insurance Comparison
While USAA has more than a dozen auto insurance discounts, it does not have as many as Ameriprise. Rates are still typically lower overall. Remember that not every discount is available in all states.
Many of USAA’s discounts are standard in the car insurance industry, but others are unique to the company’s goal to assist military families.
How can I get quotes and file claims?
If you’d like to get a quote for Ameriprise car insurance, you should call CONNECT at (888) 554-6368. Many companies including these two are moving into the digital age with self serve websites and mobile apps that let you manage your policy from anywhere. Things like this increase customer satisfaction across the board.
You may submit a claim and view your policy from Ameriprise online or via the company’s mobile app. You have the option of paying your insurance premiums all at once or in monthly installments. You can even set up auto pay in the amounts you feel comfortable with. With safe driving and savvy quoting, you can get competitive rates from Ameriprise or USAA even if you want to add optional coverages.
You may fill out a USAA quote form on the company’s website. You can only file a car insurance claim with USAA online. There is no way to submit a claim over the phone, and there is no claims assistance number to contact. This may be a temporary change to procedures due to COVID-19.
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How can I contact Ameriprise or USAA?
Ameriprise provides an easy-to-use digital experience. The website is straightforward and has a wealth of information on various coverages and discounts, payment options, the claims procedure, and much more.
You can also call the Ameriprise insurance phone number at (800) 862-7919. Ameriprise will also provide you with the following tools and resources:
- Online quote generator
- Claims submission through the internet
- Tips and instructive materials (available in the Learning Center)
- Roadside assistance, ID cards, and claim monitoring available via mobile app
You can contact USAA directly from its official website or call (210) 531-USAA or (800) 531-USAA for more information. You can also use the company’s mailing address: 9800 Fredericksburg Road, San Antonio, TX 78288.
You can also find USAA on Twitter at the handle @USAA.
Should you buy Ameriprise or USAA car insurance?
Drivers who choose Ameriprise insurance will have access to extensive coverage choices, a range of savings possibilities, useful digital tools, and quick claims processing.
The company also has a high financial strength rating, which indicates that it has the money to pay you in the event of a covered loss.
USAA is a reliable insurance provider for current and former military personnel, as well as eligible family members.
USAA ranks well in terms of the kinds of insurance and savings offered to consumers, but there is room for improvement in the customer service and claims processing areas.
In the end, it all comes down to personal preferences. You may also want to take some time to read reviews from customers of each company to get an idea of what real policyholders think.
Now that you’ve finished this Ameriprise vs. USAA car insurance review, enter your ZIP code in our tool below to compare other car insurance companies near you.
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Frequently Asked Questions
What car insurance products do Ameriprise and USAA offer?
Ameriprise offers car insurance policies provided by CONNECT from American Family, while USAA provides car insurance exclusively for military members and their families.
How do Ameriprise and USAA car insurance rates compare?
Ameriprise rates can vary based on factors such as driving history and age, while USAA is known for offering affordable rates, particularly for military members.
Which company offers a greater variety of discounts?
Ameriprise provides a wide range of discounts, including multi-policy, defensive driver, and vehicle safety feature discounts. USAA offers military-specific discounts in addition to standard ones.
How can I get quotes and file claims with Ameriprise or USAA?
To get a quote from Ameriprise, you can call CONNECT at (888) 554-6368, while USAA allows online quote submissions and online claims filing.
How can I contact Ameriprise or USAA?
Ameriprise can be contacted through their website or by calling (800) 862-7919, while USAA can be reached via their website, phone numbers (210) 531-USAA or (800) 531-USAA, or through their mailing address in San Antonio, Texas.