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As already mentioned, you can’t really compare rates without knowing demographics and location.
For example, have USAA and was very surprised that my insurance went up about 50% when I moved from Virginia to Texas. However, 17 years later when I moved back to Virginia it dropped back down a similar percentage. Location can make a huge difference.
USAA used to be more friendly and benevolent, but a few years back they expanded their customer base from officers only (and family) to accepting customers from all military ranks. It increased the number of primary drivers in the 18-22 age range, and I assume there are a lot more claims to deal with. They usually look at your profile when you call, which means they know I’ve had a policy for 40+ years, but sometimes you do get an agent who wants to follow the same routine with every customer. It’s very tempting to explain that “this isn’t my first rodeo.”
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