USAA Car Insurance Review [2022]

This USAA Car Insurance Review [2020] review will cover USAA Car Insurance Review [2020] ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Company Details
Address: 9800 Fredericksburg Road
City: San Antonio
State: TX
ZIP Code: 78288
Phone Number: 210-498-8000
Year Founded: 1922
AM Best Rating: A++ (Superior)

If you’re an active member of the United States military, a veteran, or related to a service member, you may struggle to find good car insurance discounts. Not all providers offer military discounts, and if they do, you sometimes don’t save as much as you could.

Though some providers do honor the military, none does more so than the United Services Automobile Association (USAA). The company provides car and other types of insurance and banking and investment services just to active United States military personnel, veterans, and their families. This provider is going on a century in business and has no intention of slowing down any time soon.

And their premiums often cost less than other car insurers’ policies. How’s that for honoring the hard work and sacrifices of our armed forces who sometimes have a hard time making ends meet?

So, we’ve gathered all the information you need to help you learn about USAA — from reviews to its car insurance coverage options and its website and app, to help you decide if it’s a good fit for you.

If you’re ready to join us on this mission, keep reading to learn more.

Start comparing car insurance rates today — just enter your ZIP code in our FREE online tool.

Table of Contents

What Are the Rankings from the Rating Agency?

When you choose an insurance provider, you want to check out what others have to say about it. Looking at reviews from credible sources can help you find out whether you’ve found the right insurer.

Here’s how the major review sites rank USAA.

AM BestA++
Better Business Bureau (Texas)B-
Consumer Affairs1.5/5
Consumer Reports95
JD Power (Texas Rating)5/5
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Let’s translate those rankings for you. First, we’ll cover the raters of USAA’s financial strength.

  • A.M Best — An “A++” means USAA can pay claims and meet other financial obligations.
  • Moody’s —  Moody’s rating of Aa1 shows that USAA has the resources to pay its debts reliably.
  • S&P Global — “AA” is one of S&P’s highest ratings and reveals that USAA is solid financially.

Customer satisfaction ratings:

  • Better Business Bureau — In USAA’s “hometown” of San Antonio, the company receives a “B-,” which the BBB says is for “government actions against the business.” Those were resolved in January 2019, however, customers have filed several complaints, and only a fraction of them have been resolved.
  • Consumer Affairs — This organization gave USAA Auto Insurance a poor or “one-star and a half” rating based on 267 reviews. Customers are more likely to speak up when they’re dissatisfied, which is a factor in this ranking.
  • Consumer Reports — On the other hand, USAA ranked big with Consumer Reports, earning 95 out of 100 points.
  • J.D. Power — With 899 points out of 1,000, J.D. Power considers USAA excellent enough to give it a “five-circle” rating in the Texas region.

These factors went into Consumer Reports’ overall rating:

USAA Customer ServiceConsumer Reports Score
Ease of Reaching an AgentExcellent
Simplicity of the ProcessExcellent
Promptness of the ResponseExcellent
Damage AmountExcellent
Agent CourtesyExcellent
Timely PaymentExcellent
Freedom to Select Repair ShopExcellent
Being Kept Informed of Claim StatusExcellent
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For the most part, despite some low marks, most professional reviewers rank USAA highly for its solid financials, service, and coverage options.

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What’s the Company History?

USAA boasts proudly that it has been there for its members for nearly 100 years, and its founding took some teamwork. In 1922, 25 members of the military met in San Antonio, Texas, and decided to insure each other’s vehicles.

That was the start of what would eventually become one of the largest insurers in the United States., as it expanded into other types of policies (home, business, life, and health) and financial services (banking, investing). In 2009, the company made all active members of the military and veterans who have honorably served in the U.S. military eligible for membership.

Now, with over 12 million members, the company continues to grow and focus on the latest changes in technology to better serve its customers.

Let’s further explore how the company scores in its market share, its advertising and giving, its position for the future, its work environment, and in recognition for its achievements.

What’s the Market Share?

A company’s market share tells us whether a company is growing, per the below information from the National Association of Insurance Commissioners.

USAA Market Share in Private Passenger Auto5.3%5.4 %5.7%5.9%
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Fortunately, in recent years, USAA’s market share has continued to rise steadily, reflecting its growth.

What’s the Service Type?

Like other insurers, USAA lets customers contact them online or through the more traditional means of meeting in person or talking on the phone.

At USAA’s website, customers can find policy information, get quotes, pay bills, research other offerings, or contact the company. Smartphone users can also use the USAA Mobile app to do the same things.

Customers who want a more human touch can call a USAA agent or ask to meet with one in their area for their service needs.

These methods help make the company more accessible to its customers and reach even more.

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Are There any Commercials?

USAA’s commercials stand out from other insurers through not relying on gimmicks and focusing on a more conventional approach. Many of their ads are consumer-centric, featuring testimonials about USAA’s insurance products and service and how much customers save.

Military families make up a large part of their market, so it makes sense for USAA to target them with a more relatable appeal showing actual customers. People like to see people who look like them, which helps build a sense of belonging.

Customer reviews and testimonials are still considered one of the most effective ways to market a product or service even in the digital age.

USAA’s ads also foster a sense of stability. They stress that the company will be there for its customers while it honors them, the members of the U.S. military who have served the nation in times of war and peace, and their families.

In keeping with the theme of service, let’s see how USAA gives back to the community as a whole.

What’s the Purpose of the Community Service?

USAA sees itself as a company that has a purpose to “lead and inspire actions that improve lives in the military and our local communities.”

As CEO Stuart Parker said, “As a business, USAA exists to serve the military community and facilitate the financial security of our members. Our corporate responsibility program pursues a common purpose. We prioritize USAA’s philanthropic investments to:

  • Support military family resiliency nationwide.
  • Improve the quality of living in the communities where we work and live.

In addition to investing money, USAA invests time. We provide employees with two days of paid time each year to volunteer in our communities.”

To that end, employees volunteer their time to fill meal distribution boxes to feed families in need, plant sustainable gardens for homeless military veterans and perform other kind acts.

As part of its charitable contributions, the company offers grants every year to “highly effective nonprofit organizations aligned with our Corporate Responsibility focus areas for military families and USAA’s local communities.”

The company has different areas it focuses on in its giving on the local and national levels.

Military caregivers, families of the fallen Families in need: hunger and homelessness
Financial readiness for military familiesEducation: STEM and financial literacy
Fulfilling careers for veterans and military spousesSafety and natural disaster response
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Key areas the company puts its efforts into include fighting poverty, funding education, and national emergency response on safety. These show the company’s commitment to caring for those who serve its country and to using its prosperity to help the less fortunate.

How Is USAA Positioned for the Future?

As a consumer, you want to know if the company you pay your premiums to will stick around. It helps to find out how the company is doing financially and its plans for future growth.

Fortunately, as we mentioned earlier, with leading financial indicators, USAA ranks well and the company looks poised for continued success. On the customer satisfaction side, reviews were mixed, so it has its share of pros and cons. J.D. Power, a major surveyor of customer satisfaction, was among the organizations to rate USAA highly.

Overall, the best days for USAA appear yet to come, as it continues its steady rise among the ranks of the top insurance companies.

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What Is the Employee Experience?

How a worker feels about the company that employs them tells a lot about the employer. Let’s find out more about USAA’s employees and explore their salaries and how they rate the company.

Employee age and tenure aren’t always related, but conventional wisdom suggests that younger workers are less likely to remain loyal to a company than older ones. It’s interesting to see what the majority of the data reveals.

Millennial (born between 1981 and 1997)41%
Gen X (born between 1965 and 1980)42%
Baby Boomers (born between 1945 and 1964)17%
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As shown, most USAA workers are middle-aged, followed by Millennials and Baby Boomers. Here’s what the statistics say about how long they stay at USAA:

>2 years27%
2-5 years28%
6-10 years15%
11-15 years12%
16-20 years7%
20+ years11%
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Most USAA employees remain on the job for five or fewer years. On the opposite end, 11 percent have worked at USAA for more than 20 years.

The issue of whether an employee is satisfied can play a big part in determining if he or she will stay and if it’s a great place to work.

Great Place to Work has certified USAA, and 89 percent of employees agree. Here’s more about what USAA employees think of the insurer:

Employee RatingPercentage
When you join the company, you are made to feel welcome.96%
I feel good about the ways we contribute to the community.95%
I'm proud to tell others I work here.93%
Our facilities contribute to a good working environment.92%
We have special and unique benefits here.92%
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Also, most employees feel welcome when they join the company and feel good about the ways it contributes to the community. None of the responses scored below 92 percent.

For another insight into USAA employee’s opinions, Glassdoor’s rating out of more than 2,600 reviews was 3.6 stars out of five.

According to the reviews, 65 percent of USAA employees would recommend the company to a friend, and 73 percent approve of USAA’s CEO.

Another major part of employee satisfaction is how well a company pays its workers. Payscale’s rating for USAA was 3.9 stars out of five. Their rankings of different aspects of employment at USAA appear below.

FactorRating (out of 5)
Company Outlook4.3
Fair Pay2.8
Learning and Development4.0
Manager Communication3.9
Manager Relationship4.0
Pay Policy3.1
Pay Transparency2.6
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The company outlook, learning and development, and manager relationship were among the areas where Payscale ranked the company highly.

This news report shows what the company’s San Antonio, Texas headquarters is like:

USAA ranks well as a place where employees can feel that they’re working less at a job and more in a career.

Have USAA Received any Awards and Accolades?

USAA has received lots of awards and accolades for various achievements, which includes its financial strength and service and overall work environment.

The company won the following awards from Glassdoor:

  • 2017 Best Places to Interview (#72)
  • 2014 Top CEOs (#22)
  • 2009 Best Places to Work (#36)

Below is a list of the most recent awards Great Place to Work has granted the company.

Year of AwardAward
2019#17 in Best Workplaces in Financial Services & Insurance
2019#47 in Best Workplaces in Texas
2019#30 in 2019 Fortune 100 Best Companies to Work For
2018#19 in Fortune 100 Best Companies to Work For
2018#15 in Best Workplaces in Texas
2018#9 in Best Workplaces in Financial Services & Insurance
2018#40 in Best Workplaces for Millennials
2018#35 in Best Workplaces for Women
2018#50 in Best Workplaces for Parents
2018#27 in Best Workplaces for Diversity
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Though USAA has received much recognition for its workplace culture, it has also made such lists as the World’s Most Ethical Companies® for four years straight (2016-2019) and Forbes’ World’s Most Admired Companies for the past several years.

Do They Have Cheap Car Insurance Rates?

If you don’t know how what affects your car insurance rates, you can end up paying too much and may not get all the coverage you need.

It’s easy to think that cheaper is better, but it depends on what you get in return. Though you pay less, frustration with poor service and lack of enough coverage for protection may be part of the deal and truly take a toll on you.

On the bright side, in this section, we’ve partnered with Quadrant to give you data on how your credit score, your driving record, your age, gender, and other factors affect your rates.

For more insights, read on.

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What’s USAA Availability and Market Rates by State?

Here is data on the average annual cost of USAA premiums compared to the average prices in the 47 states where the company offers coverage.

StateAverage by StateUSAA Annual PremiumHigher/LowerPercentage
District of Columbia$4,439.24$2,580.44-$1,858.80-41.87%
North Carolina$3,393.11Data Not Available
North Dakota$4,165.84$2,006.80-$2,159.04-51.83%
New Hampshire$3,151.77$1,906.96-$1,244.81-39.50%
New Jersey$5,515.21Data Not Available
New Mexico$3,463.64$2,296.77-$1,166.87-33.69%
New York$4,289.88$3,761.69-$528.20-12.31%
Rhode Island$5,003.36$4,323.98-$679.38-13.58%
South Carolina$3,781.14$3,424.77-$356.37-9.42%
South Dakota$3,982.27Data Not Available
West Virginia$2,595.36$1,984.62-$610.74-23.53%
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USAA’s premium prices came in well below the state averages — in some states, such as Michigan, as much as over 50 percent.

How to Compare the Top Ten Companies by Market Share

Now, we’ll see how the leading insurance companies in each state compare to USAA.

StateAverage by StateAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alaska$3,421.51$3,145.31$4,153.07NA in State$2,879.96$5,295.55NA in State$3,062.85$2,228.12NA in State$2,454.21
Alabama$3,566.96$3,311.52NA in State$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$4,124.98$5,150.03NA in State$4,257.87$3,484.63NA in State$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$3,770.97$4,904.10NA in State$5,000.08$2,264.71NA in State$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$3,688.93$4,532.96NA in State$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77NA in State$3,338.87
Connecticut$4,618.92$5,831.60NA in StateNA in State$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$4,439.24$6,468.92NA in StateNA in State$3,692.81NA in State$4,848.98$4,970.26$4,074.05NA in State$2,580.44
Delaware$5,986.32$6,316.06NA in StateNA in State$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$4,680.46$7,440.46NA in StateNA in State$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67NA in State$2,850.41
Georgia$4,966.83$4,210.70NA in StateNA in State$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88NA in State$3,157.46
Hawaii$2,555.64$2,173.49NA in State$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28NA in State$1,189.35
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19NA in State$1,867.96$3,226.29$1,877.61
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35NA in State$3,898.00$2,408.94$3,393.75$1,630.86
Kentucky$5,195.40$7,143.92NA in StateNA in State$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79NA in StateNA in State$6,154.60NA in StateNA in State$7,471.10$4,579.12NA in State$4,353.12
Maine$2,953.28$3,675.59NA in State$2,770.15$2,823.05$4,331.39NA in State$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17NA in StateNA in State$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87NA in State$2,744.14
Massachusetts$2,678.85$2,708.53NA in StateNA in State$1,510.17$4,339.35NA in State$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59NA in State$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49NA in State$2,066.99NA in State$2,861.60
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91NA in State$2,525.78
Mississippi$3,664.57$4,942.11NA in StateNA in State$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$3,220.84$4,672.10NA in State$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74NA in State$2,031.89
North Carolina$3,393.11$7,190.43NA in StateNA in State$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66NA in State
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53NA in State$2,006.80
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71NA in State$2,330.78
New Hampshire$3,151.77$2,725.01NA in StateNA in State$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46NA in State$1,906.96
New Jersey$5,515.21$5,713.58NA in State$7,617.00$2,754.94$6,766.62NA in State$3,972.72$7,527.16$4,254.49NA in State
New Mexico$3,463.64$4,200.65NA in State$4,315.53$4,458.30NA in State$3,514.38$3,119.18$2,340.66NA in State$2,296.77
New York$4,289.88$4,740.97NA in StateNA in State$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Oklahoma$4,142.33$3,718.62NA in State$4,142.40$3,437.34$6,874.62NA in State$4,832.35$2,816.80NA in State$3,174.15
Pennsylvania$4,034.50$3,984.12NA in StateNA in State$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45NA in StateNA in State$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43NA in State$4,691.85$3,178.01NA in State$3,625.49$4,573.08$3,071.34NA in State$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23NA in StateNA in State
Tennessee$3,660.89$4,828.85NA in State$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72NA in State$3,263.28NA in State$3,867.55$4,664.69$2,879.94NA in State$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83NA in State$2,491.10
Virginia$2,357.87$3,386.80NA in StateNA in State$2,061.53NA in State$2,073.00$2,498.58$2,268.95NA in State$1,858.38
Vermont$3,234.13$3,190.38NA in StateNA in State$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84NA in State$1,903.55
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78NA in State$2,262.16
West Virginia$2,595.36$3,820.68NA in StateNA in State$2,120.80$2,924.39NA in StateNA in State$2,126.32NA in State$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53NA in State$2,975.74
Wyoming$3,200.08$4,373.93NA in State$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55NA in State$2,779.53
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In many cases, USAA’s average premiums also cost less than their competitors’.

What Are USAA Male vs. Female Car Insurance Rates?

As you’ll notice below, age now tends to play more of a role in setting rates than gender does.

GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
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Not surprisingly, younger, less experienced drivers of both genders pay more for USAA insurance. Rates drop dramatically by age 25 on up.

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What Are the Average USAA Rates by Make and Model – Last Five-Years Average?

Below are some of the most popular makes and models of cars and pickups and the average USAA insurance coverage rates for them.

Make and ModelUSAA
2015 Ford F-150
Lariat SuperCab with 2WD 6.5 footbed and 2.7L V6
2015 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
2015 Toyota RAV4
2018 Ford F-150
Lariat SuperCab with 2WD 6.5 footbed and 2.7L V6
2018 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
2018 Toyota RAV4
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As shown, it costs more to insure newer vehicles, such as the 2018 Ford F-150 — as much as $300 more — compared to the 2015 model.

What Are the Average USAA Commute Rates?

Just how far can you go before your mileage affects your USAA rates? Let’s see below.

Average of Annual PremiumCommute and Annual Mileage
Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
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Luckily, there’s no major price difference between 10 and 25-mile commutes, which means commute distance isn’t a big factor in USAA’s rates.

What Are the Average USAA Coverage Level Rates?

It’s good to have options. Below, we show how USAA rates change from the lowest coverage to the highest.

Average of Annual PremiumCoverage Type
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There’s only about a $264 difference between the lowest and the highest coverage levels. So, for just a little more, you can get the most coverage for better protection.

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What Are the Average USAA Credit History Rates?

USAA is among the companies that base their rates on customers’ credit scores. People with good credit are considered less risky to insure than those with bad credit.

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With USAA, the difference in cost between poor and good credit can amount to as much as nearly $3,000.

What Are the Average USAA Driving Record Rates?

Just one minor infraction, such as a speeding ticket, can increase your insurance rates.

Average of Annual PremiumDriving Record
GroupClean recordWith 1 accidentWith 1 DUIWith 1 speeding violation
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Under USAA, a DUI adds $1,500 more to your premium based on the rate for a clean driving record. Besides driving to protect yourself and others, paying lower rates is another incentive to drive safely.

What Are the Coverages Offered?

For the amount you pay for car insurance coverage, you can worry that you won’t get all the coverage you need in case an accident happens.

Here we have some information to help set you at ease. We’ll go over all of USAA’s coverage options and the discounts available.

So, get ready to learn more about USAA’s car insurance and find out if the company provides coverage for your situation.

What Types of Car Insurance Does USAA Offer?

USAA offers customers many basic types of car insurance coverage. These are among their different coverage options.

Basic car insurance coverage:

  • Bodily Injury Liability — If you cause an accident, this helps cover another driver’s medical bills.
  • Collision — This will cover you if you hit an object or another vehicle.
  • Comprehensive — This coverage will protect you from damage a vehicle didn’t cause, from such incidents as theft, hitting a deer, hail damage, etc.

Other options:

  • Classic Car — For vintage vehicles of value.
  • Extended Benefits Coverage — This will give you more protection if you also have medical payments coverage; it varies by location.
  • Personal Injury Protection — This will help with medical bills from an accident as well as other costs as a result of .
  • Property Damage Liability — If you damage another driver’s property, this will pay for it.
  • Umbrella — This coverage will protect your assets from lawsuits.
  • Uninsured and Underinsured Motorist Coverage — If another driver lacks adequate coverage or isn’t insured, this will kick-in to cover the bills from a hit-and-run or other type of accident.

Add-ons and more services:

  • Car Buying Service — USAA has partnered with TruCar to provide low loan rates, savings off Manufacturer’s Suggested Retail Prices (MSRPs), and “bonus cash” military incentives.
  • Commercial — For vehicles used for business.
  • Ridesharing Gap Coverage — This will fill the gaps in your personal insurance and ridesharing insurance.
  • Roadside Assistance — If your battery dies, you run out of gas or face other car-related calamities, this coverage will come to the rescue.
  • Usage-Based Insurance — USAA’s SafePilot program gives discounts for safe driving habits.

USAA provides all of this and more. It has a decent variety of car insurance for different needs and budgets at a lower cost than many other insurers.

What Are the Discounts Offered?

Besides the already low-cost coverage USAA provides, you can save further with the discounts below.

USAA DiscountsPercentage Saved
Anti-lock Brakesx
Claim Free12%
Daytime Running Lightsx
Defensive Driver3%
Distant Studentx
Driver's Ed3%
Driving Device/App5%
Early Signing12%
Family Legacy10%
Good Student3%
Low Mileagex
Military Garaging15%
Multiple Policiesx
Multiple Vehiclesx
Newer Vehicle12%
Occasional Operatorx
Paperless/Auto Billing3%
Passive Restraintx
Safe Driver12%
Senior Driverx
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USAA offers fewer discounts than other insurers (roughly 28 vs. 38), but it’s more about quality rather than quantity. You can save the most with garaging, whether it’s private (90 percent) or military storage (15 percent).

Want to find out about the military discounts other providers offer? Below we’ve listed some of the top insurers and any discounts they provide.

InsurerPercentage Saved with Discount
Geico (may be active or retired)15%
Liberty Mutual (must be active duty)4%
MetLife15% (could vary based on years of service)
Safeco (may be active or retired)N/A
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Overall, USAA doesn’t have as many coverage options as other providers, but it makes up for that with much lower rates. You’ll find decent basic insurance with the company. Notably, it provides rideshare gap coverage, but no ridesharing insurance or car repair shop programs. USAA does, however, sell a solid insurance package at a fair price.

How to Cancel Your Policy

If you want to buy insurance through another company, you can cancel your USAA coverage. In this section, we’ll walk you through the process and any fees you may have to pay.

What’s the Cancellation Fee?

Unlike other providers, you can cancel your insurance with USAA without facing any fees.

Is There a Refund?

If you decide to cancel, ask if USAA offers a refund beforehand, which may be available if you have more than a little time left before your term ends.

How to Cancel

You can cancel your USAA policy in the following ways:

  • Online — Through the website, you may message USAA.
  • Phone — Call 800-531-USAA (8722) and request cancellation.
  • Mail — Send a request for cancellation to USAA’s main mailing address.
  • In-Person — if you’re near a USAA office, you stop in to cancel.

When Can I Cancel?

You may cancel your USAA policy at any time, and the company should cancel your policy immediately.

How to Make a Claim

If you’re in an accident, you may need to file a claim with your insurer. At such a difficult time, the ease of filing a claim is crucial. You want to make sure that following their instructions isn’t a hassle.

To prepare you for what you can expect with USAA, we’ll cover data about loss ratios and insurance premiums the company writes each year and most importantly, how to make a claim.

So, keep reading to learn more.

What Are the Methods of Making a Claim?

These are the ways you can file a claim with USAA. Just choose the method you prefer, and an agent should be able to help.

  • Online — File a claim at USAA’s website or through their app, which can be helpful right after an accident at any time.
  • In-Person — With an agent at any nearby USAA office.
  • Phone — Call 800-531-8722 to file your claim.

What Is the Number of Written Insurance Premiums?

The number of premiums a company writes is a sign of its stability. If customers file many claims, the company should be able to afford to pay them. These statistics on USAA’s auto insurance premiums are from the National Association of Insurance Commissioners.

Written Premiums$10,562,100$11,691,051$13,154,939$14,467,936
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As shown, the amount of policies USAA writes has risen slightly in recent years, which has increased alongside its customer base.

What’s the Loss Ratio?

An insurance company’s loss ratio reveals how much it paid on claims compared to how much it earned in premiums.

For example, USAA’s loss ratio in 2018 was 77 percent. So, that year, for every $100 the company earned in premiums, the company paid $77.00 in claims.

Below are the company’s loss ratios from 2015 to 2018:

    • 2015 – 82.82 percent
    • 2016 – 86.24 percent
    • 2017 – 79.60 percent
    • 2018 –  77 percent

These ratios have decreased steadily since 2015, which shows that USAA is more likely to have the means to pay claims.

How to Get a USAA Quote Online

Now that you know more about the coverage USAA offers and what goes into their premium rates, you’re ready to get a quote online. This will let you see how much you can expect to pay for the insurance you need.

Before you proceed, you should have the following information with you:

  • your Social Security number and contact information
  • your driving and insurance history
  • your vehicle information
  • information about you or your family member’s military service
  • your passport

Scroll on to find out how to get a quote through our easy visual step-by-step process.

Step #1 – Explore the USAA Site

Once you know you can qualify for a USAA car insurance policy, take some time to explore their site and read about their coverage.

There are a lot of benefits to a USAA auto insurance policy like rental reimbursement, accident forgiveness, and global coverage no matter where you’re stationed.

For military members whose posts change, USAA is a good provider to consider because they understand the unique needs and challenges a servicemember can face with auto insurance.

Step #2 – Sign Up or Log In

Register for a USAA account or, if you’re already a member, log in.

For Pre-existing Members

If you’re already a USAA member, your quotes process will be a bit easier since your information is already in the system and will be automatically imported.

Step #3 – Learn about USAA’s Offerings

Before you start the quote process, USAA will walk you through their offerings, advantages, and provide some helpful tips on buying a new car insurance policy.

If you’re a returning customer, you’ll be greeted with a welcome screen that reveals your current policy’s benefits and coverages.

The tips that USAA provide are designed to keep you informed and feel more confident in the insurance buying process. Even if you’ve successfully gotten a policy before, it can be difficult to understand exactly what car insurance limits you need as well as which discounts to keep an eye out for.

We found USAA’s quote system to be extremely helpful and intuitive, so if you have questions about car insurance and need some extra help along the way, this guide combined with their site is a winning combo.

Step #4 – Enter/Update Personal Information

For preexisting USAA members, you can review the majority of your information and update as you need. If you’re requesting an auto insurance quote from USAA for the first time, just follow along the prompts on the screen and enter the appropriate information into each box.

If you need to add an additional driver, like a spouse, you can easily do that by clicking “Add Driver”.

You’ll need to provide the same personal details for each driver you add to your quote, so make sure that you have all of the necessary info on-hand before you get started.

Step #5 – Answer Questions, Save Money

You’ll be asked some questions about each driver you list. Some of them might seem unrelated to car insurance, like “Do you own a house?”, but these factors can actually influence your car insurance rates and score you some sweet discounts.

Step #6 – Get Help if You Need It

On the side of the screen, you’ll see a phone number and business hours for the USAA Contact Center. If you have any questions about policies or need some additional help with the quote request process, a live representative can help you out.

If it’s a weekend, no worries. This guide will continue through all the steps and give you all the information you need to get a quote today.

Step #7 – Add Vehicle Details

You can enter your car’s year, make and model manually or enter your VIN. If your info is already in the system but you’ve gotten a new vehicle, simply update the information with your new car’s specs.

After you’ve entered your car’s details, you can add another vehicle or proceed to the next step.

Step #7 – Review Your Car Usage and its Features

USAA will ask you questions about your car’s safety features, which might help you qualify for discounts. You’ll have to specify how you use your vehicle as well as approximate how many miles you drive each year.

Step #9 – Review Your Coverage Needs

USAA’s quote system has an optional walkthrough that will help you identify the best limits and coverages for your policy.

Each step will ask you a question and provide a simple explanation.

We recommend using this walkthrough in order to assess your coverage needs and personalize your quote as much as possible. An important part of buying car insurance is comparison shopping, and you want to make sure the rates you’re comparing are as accurate as possible.

When you add additional coverages and explore all your options, you gain a better understanding of each company’s services and capabilities.

You can always reduce your auto insurance policy if you decide to add additional coverage, but it’s a good idea to go into the shopping process looking for exactly what you need, not avoiding coverage options to salvage a few dollars.

Step #8 – Check Out Discounts

USAA will give you a rundown of their discounts such as Safe Driver Discount, Defensive Driving, and the Good Student discount. Keep an eye out for these offerings from other companies you shop with to make sure you save as much as you can.

Any discounts you qualify for will automatically be deducted from your quote.

Step #10 – Get Your Quote

You’ll be presented with a personalized quote and a breakdown of each coverage included. You can review the limits of your custom rate, and check out similar coverage that matches your other limits.

Take note of these rates and keep them somewhere you easily return to later. Before you buy, it’s important to get several other quotes online and compare to find the best deal.

Why You Should Compare Car Insurance Before You Buy

Car insurance is an investment in your vehicle and your safety. To make sure you’re really covered, you have to peruse the market and see what’s out there.

A good car insurance company will strike a balance between cost and coverage.  Don’t settle for the bare minimum, which sometimes isn’t even the minimum requirement.
The form will request the following information:

Social Security NumberYes
Date of BirthYes
Contact InformationYes
Driver's LicenseNo
Vehicle Identification NumberNo
Driver's HistoryYes
Vehicle InformationYes
Details about You or Your Family Member's Military ServiceYes
Passport or Permanent Resident Card (for non-U.S. citizens)Yes
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Once you’ve provided the needed information, you should be able to get your quote.

What Does the Design of Website/App Look Like?

Especially if you’re busy, you want to get the information you need online quickly. If a site or an app isn’t well-designed or organized, a simple task can become hard. And, if customers can’t find what they want, they will go elsewhere.

Let’s explore how you can access information through USAA’s website and app.


On the home page, users will see a navigation bar at the top where they can get basic information.

For instance, when you click “Products” on the top left, you’ll reach the following page with more choices:

This long list can make it confusing to find out where you need to go.  Under the “Insurance” heading, you’ll find the link to “Auto Insurance,” where you can access information about USAA’s coverage.

Generally, typing a word or phrase into the search box at the top and clicking on the button cuts to the chase.

Though USAA emphasizes that it keeps up with technological advances, its site could be better organized to give users information more quickly. Right now, there’s lots of scrolling involved.

For instance, an easier alternative to the “Products” page would be to add headings such as “Insurance,” “Banking,” etc. in a drop-down menu that appears when users click on the “Products” link on the home page.


At Apple’s iTunes App Store, USAA Mobile scores 4.8 out of five stars (out of 444,000 ratings). On Google Play, it nets 4.6 stars out of five (from over 125,000 reviews).

The app’s features include:

  • Banking: Pay bills, send money with Zelle®, deposit checks, calculate your loans, and locate an ATM.
  • Insurance: Get an Auto ID card, request roadside assistance, and report a claim.
  • Investments: Get real-time stock quotes, place trades, read relevant articles, and watch informative videos.
  • Secure: Use a PIN or biometrics to log in to the app quickly.
  • Digital Assistant: Access EVA, USAA’s digital voice assistant, to answer your questions.
  • Widget: View your accounts and balances on your device widget without the need to log in each time, thanks to the company’s secure authentication infrastructure.

Some of users’ criticisms include bugs involving the fingerprint login and the “add a transaction” feature under banking and other issues that USAA later fixed in updates. For the most part, though, the app receives high marks.

On the other hand, USAA’s driving app, SafePilot, ranks just below Mobile with users. The program isn’t available in every state — only in Arizona, Ohio, Texas, and Virginia.

At iTunes, it received four out of five stars with fewer than ten reviews. It didn’t rank so well at Google Play, garnering 2.6 out of five stars out of fewer than ten reviews.

Some reviewers believe the app isn’t stable enough to track users accurately, yet others appreciate the opportunity to save based on their driving habits.

The app lets users check their driving habits: phone handling, hands-free phone use, and harsh braking. If they drive safely, they can receive discounts of up to 20 percent on their next premiums.

What Are the Pros and Cons?

To help you decide whether USAA is the right insurer for you, these are some of the best and the worst aspects of the company’s services and coverage.

Low premium ratesRates rise significantly with a bad driving record (but rates often remain below state averages)
Multiple discountsFewer add-ons and programs; for instance, no ridesharing insurance or car repair programs
Strong financial ratings from professional reviewersSome negative customer reviews
Great Mobile appSafePilot app is only available in Arizona, Ohio, Texas, and Virginia.
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No company is perfect. USAA performs well in its niche market. The company’s low premiums for active military and veterans and its solid financial record give it an edge over competitors.

What’s the Bottom Line

USAA is a financially stable company; it’s likely to stick around and is well-positioned for continued growth while it continues to attract new customers.

In exchange for their sacrifices in serving their fellow citizens, in a way, USAA’s low rates are like a much-deserved discount that honors active military and veterans alike. The company’s prices are often lower than other top-ranked insurers’ rates.

Though its online features could be improved for easier use and the company could expand some of its coverage offerings, it has a solid reputation and ranks highly for its financial standing and work environment.

With adequate basic coverage for past and present members of the armed forces and their families, USAA marches ahead of its competitors.

Frequently Asked Questions

In case you still want to know more about USAA and its coverage, here we’ll answer some of the common questions people ask.

Who qualifies for USAA? According to the company’s website, customers qualify if they are:

  • “Active, retired and honorably separated officers and enlisted personnel of the U.S. military base.
  • Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS).
  • Adult children of USAA members who have or had a USAA auto or property insurance policy.
  • Widows and widowers of USAA members who have or had a USAA auto or property insurance policy.

Children must be 18 years or older to be eligible for USAA membership and purchase products in their own name. Children under the age of 18 can be listed as family members on their eligible parents’ auto policies.”

What all does USAA offer? Besides car insurance, the company provides the following products and services:

  • banking services with free checking
  • home and renters insurance
  • a preferred cash rewards credit card — 1.5 percent cash back on every purchase)
  • investments such as mutual funds, stocks, bonds, funds, and Electronic Funds Transfers (ETFs)

Does USAA have actual banks? Among their locations, the company website lists offices in Colorado, New York state, Annapolis, Maryland, and San Antonio, Texas. These offices handle banking, insurance, investments, retirement, and advice.

Which ATMs are free for USAA? USAA members get free access to a nationwide ATM network that includes more than 65,000 Allpoint, MoneyPass, and PNC Bank ATMs. The company will also refund up to $15 per month in usage fees when customers use other banks’ ATMs.

What is SafePilot? SafePilot is a mobile app for iOs and Android that lets USAA car insurance customers check their driving habits, such as phone use and hard braking. Using a smartphone’s GPS and “built-in sensors,” it logs and scores a driver’s trips for safe driving. Customers who enroll in the program receive a five percent USAA auto insurance discount automatically, and if they score well at the time of policy renewal, they may qualify for up to 20 percent off.

What driving information does the app collect? USAA states that they take customer’s privacy seriously and will never share their information. That said, the app runs in the background and collects data about each trip you take, such as the following:

  • Location
  • Time of day
  • If you’re the passenger or driver
  • Phone handling
  • Hand-held calling
  • Hands-free calling
  • Harsh braking

How is my discount calculated? The app calculates discounts based on a driving score that measures whether a driver has met the requirements of making hands-free calls, braking gently, etc. as part of safe driving. USAA states that “While we understand that some defensive driving situations may require you to brake, try to keep erratic driving to a minimum to earn the highest possible discount.”

If more than one driver is on your auto policy, the app will average all of the drivers’ scores to calculate the discount.

We’ve covered a lot. Have we answered all of your questions?

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for USAA

4.72 (6,414 reviews)
March 4, 2022


Zero faith or trust in USAA

I have zero faith or trust in USAA taking care of me as a customer. I was in an auto accident that was caused by the other party's drive shaft coming off on the highway in front of me. I took pictures of the party's truck along with a picture showing that his drive shaft was missing and had my passenger as a witness of what happened. USAA took this matter and did an arbitration with the other party's insurance. The outcome was that the other part...
I have zero faith or trust in USAA taking care of me as a customer. I was in an auto accident that was caused by the other party's drive shaft coming off on the highway in front of me. I took pictures of the party's truck along with a picture showing that his drive shaft was missing and had my passenger as a witness of what happened. USAA took this matter and did an arbitration with the other party's insurance. The outcome was that the other party was not at fault. I requested documentation regarding the arbitration and was told "The decision is considered work product and we are unable to release this documentation." How can I trust that USAA has my back if they will not release this info to me? [REDACTED]
January 3, 2022


USAA has lost its way

As a 52 year CUSTOMER (legitimately there are NO members!), my first 25 years ranged from excellent to good. After that period of time, customer service, pricing, employee credibility and product offering deteriorated to a barely acceptable level, at best, and made USAA indistinguishable from the other big insurance companies. It is my firm belief USAA in the past 20 years has operated solely for the betterment and welfare of its upper managem...
As a 52 year CUSTOMER (legitimately there are NO members!), my first 25 years ranged from excellent to good. After that period of time, customer service, pricing, employee credibility and product offering deteriorated to a barely acceptable level, at best, and made USAA indistinguishable from the other big insurance companies. It is my firm belief USAA in the past 20 years has operated solely for the betterment and welfare of its upper management. The primary corporate focus is the ever increasing of the customer base to increase management bonuses and salary levels. USAA has truly has lost its original purpose, focus and direction it had in its early years. Too bad. I remember what it was when I joined in 1970. Would I recommend USAA to those "eligible", absolutely not!
October 4, 2021


Crap insurance stay away

These people lie to get your money. They absolutely don't care about customers and will cover their own [REDACTED WORD] in order do whatever they want. Might as well go with someone else.
July 25, 2021


This insurance company sucks

They have absolutely no communication skills and dont even let you know when they pay out claims. They dont care about their drivers at all and pay people to shut them up which makes your own rates sky rocket. They paid multiple claims without even a single email to let me know about it so I could fight them. I feel violated by the company I was paying to have my back. Do yourself a favor and choose elsewhere or they will screw you over too.
May 14, 2021


Awful Customer Service and Incompetence

USAA touts itself as an insurance company for families of Military and Veterans. They are not. First, they could not even do their job and submit the right forms to my state when I had an accident causing my license to be suspended. A form that should have been submitted first thing after the accident. Through an odd circumstance, I found out I had been driving on a suspended license and had no clue! This was 4 months after the accident and I was...
USAA touts itself as an insurance company for families of Military and Veterans. They are not. First, they could not even do their job and submit the right forms to my state when I had an accident causing my license to be suspended. A form that should have been submitted first thing after the accident. Through an odd circumstance, I found out I had been driving on a suspended license and had no clue! This was 4 months after the accident and I was now having to follow up with them because of their incompetence! Not only that but it took them 4 months to get a check issued for the vehicle in the accident and I was stuck dealing with the lender! Also, they dropped my family when my husband got in trouble with the law and had to do time. I might understand not servicing my husband any longer...even though he is an Army Veteran who put his life on the line for our country... However, to drop a whole family while they are already dealing with something this life-changing I believe is unacceptable! They are already dealing with so much, even beyond the loss of a father and now being a single-parent home. I would have expected a little support from a company that touts themselves as being for families, specifically military and veteran families. I would not recommend them and will not do business with them again.
February 3, 2021



February 2, 2021


nice experince

To be honest is a great experience that deserves to be remembered. Quality, service and quality are great
February 2, 2021



low rates and good customer service make it a sound choice for those who are eligible for USAA membership. It typically offers low rates for both auto and home insurance, despite the lack of available discounts. Overall, USAA is a great choice for your insurance needs
February 2, 2021


a reliable company

it is a very good experience and i feel safe and secure with this company , and i advice the other one to register with
January 17, 2021



I like this company, they are very reliable and they are well known of their prompt replies on clients questions
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