How do you get a USAA car insurance quote?
USAA is a top auto insurer in the U.S. Get a USAA auto insurance quote online by using our comparison tool and see if you can get a discount on your online auto insurance quote from USAA.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Dec 28, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 28, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- USAA is committed to providing affordable auto, health, and life insurance to active-duty military members, veterans, and their families
- You have to sign up for a USAA account in order to request a quote
- The walkthrough on USAA’s site makes getting an auto insurance quote easy and informative
- If you’re looking for military discounts and affordable car insurance as a service member, explore your discount options at a variety of companies before you decide on a policy
USAA is a Fortune 500 financial services company; USAA offers investment, banking, insurance, and other financial services and products to military officers and their family members.
The company was formed in 1922 after by a meeting between 25 military officers at the Gunter Hotel in San Antonio, Texas. Nearly 90 years later, the company is still based out of San Antonio.
When USAA was formed, it was called the United States Army Automobile Association. Two years later, it was renamed the United Services Automobile Association, though it still holds true to its original commitment to providing affordable auto insurance and related products to service members.
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Is USAA car insurance just for military members?
The USAA was founded for active-duty military officers, but its eligibility requirements have changed over the years. You still have to be in the military or related to someone who is or has been in order to purchase most of their insurance products.
If you or your parent or spouse are not a service member or veteran, you won’t qualify for a USAA membership. Don’t worry, though. There are plenty of other car insurance companies out there.
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How to Get a USAA Car Insurance Quote
If you aren’t sure whether you meet the eligibility requirements for USAA membership, you can quickly find out on their site. You’ll need your date of birth, contact information, social security number, and you or your relative’s military information.
If you or a relative doesn’t have any ties to the military, you won’t be able to purchase auto insurance from USAA.
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.
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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.
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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.
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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, 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.
Read More: How do you get a Liberty Mutual car insurance quote online?
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Why You Should Compare Car Insurance Before You Buy
USAA is cheaper than other auto insurance providers because the company is the largest insurer of the military community, and that volume allows USAA to offer more competitive rates.
In short, USAA is a strong choice for many active-duty servicemen and servicewomen, retired military members and their families, with one of the few drawbacks being the company’s online experience.
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.
In its 2021 U.S. Property Claims Satisfaction Study, J.D. Power gave USAA a rating of 905 out of 1,000.
Enter your zip code on our site to get matched with multiple car insurance providers near you, so you can compare rates and find the right policy today.
Case Studies: USAA Car Insurance Quotes in Action
Case Study 1: Military Family Discount
John and Sarah are a military couple looking for car insurance. They qualify for USAA membership and decide to get a quote. By comparing quotes from other companies, they discover that USAA offers a significant discount for military families, making it the most affordable option for them.
Case Study 2: Accident Forgiveness Benefit
Lisa, a USAA member, had an at-fault accident last year. She is worried about the impact on her insurance rates. However, when she requests a quote from USAA, she learns about their accident forgiveness benefit. This coverage ensures that her premium won’t increase due to her previous accident, making USAA the best choice for her.
Case Study 3: International Coverage Advantage
Mark, a military officer, frequently travels abroad for assignments. He needs car insurance coverage that protects him wherever he goes. When he compares quotes, he discovers that USAA offers global coverage for military members stationed overseas. This feature gives Mark peace of mind knowing that he is fully protected, no matter where his duties take him.
Frequently Asked Questions
How can I get a car insurance quote from USAA?
Visit the USAA website, use their comparison tool, and get an online quote.
Who is eligible for USAA car insurance?
USAA primarily serves military members and their families. You must have military affiliation to qualify.
Why should I compare car insurance before buying?
Comparing insurance rates helps you find the best coverage and price. While USAA is a good option for military members, it’s important to explore other choices as well.
What information do I need to provide for a USAA quote?
You’ll need personal information, such as your date of birth, contact details, and military affiliation. Vehicle details will also be required.
Are there any discounts available with USAA car insurance?
Yes, USAA offers various discounts, such as safe driver, defensive driving, and good student discounts. These can help lower your insurance premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.