How to Get USAA Car Insurance Quotes Online in 2026 [Follow These 10 Steps]

You may be interested in how to get USAA car insurance quotes online. It’s as easy as A-B-C: Visit their website, log in to your account, and fill in your vehicle and driving record details.

In return, you could save up to 10% with customized car insurance coverage limits. Get fast, reliable, and competitive USAA auto insurance quotes online to make informed decisions.

Compare more insurance rates by entering your ZIP code above and comparing free quotes!

10 Steps to Get a USAA Car Insurance Quote Online

If you are unsure 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 military information for yourself or your relative

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 – Visit the USAA Website

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

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 log in if you’re a member.

For pre-existing members already being USAA members, your quote process will be more straightforward since your information is already in the system and will be automatically imported. If you’re thinking, “I can’t remember my car insurance company, how do I find it?” USAA’s system can help you organize and update your policy details efficiently.

Step #3 – Provide Personal Details

Before you start the quote process, USAA will walk you through their offerings and advantages and provide 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. This will allow you to assess whether you need additional car insurance coverage options.

USAA’s tips are designed to keep you informed and feel more confident in the insurance buying process. Even if you’ve successfully gotten a policy, it can be challenging to understand precisely what car insurance limits you need and which discounts to watch.

We found USAA’s quote system to be extremely helpful and intuitive. If you have questions about car insurance and need extra help, this guide with their site is a winning combination.

Step #4 – Enter Vehicle Information

USAA can review and update most of the necessary information for pre-existing conditions. If you’re requesting an auto insurance quote from USAA for the first time, follow the prompts on the screen and enter the appropriate information into each box.

If you need to add a driver, such as a spouse, you can easily do so by clicking “Add Driver.”

Step #5 – Answer Questions & Save Money

You’ll be asked some questions about each driver you list. Some might seem unrelated to car insurance, like “Do you own a house?” but these factors can influence your car insurance rates and give you some sweet discounts. This is also helpful in understanding how to verify car insurance coverage for all drivers on the policy.

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 additional help with the quote request process, a live representative can help you.

Step #7 – Add Vehicle Details

You can manually enter your car’s year, make, and model our VI, orur info is already in the system, but you’ve got a new vehicle, update the information with your new car’s specs.

After entering your car’s details, you might ask, “How can I add a car to my insurance policy?“ Follow the prompts to add another vehicle or proceed to the next step.

Review Your Car Usage and its Features

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

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 ensure you save as much as possible.

Any discounts you qualify for, such as multiple-policy car insurance discounts, will automatically be applied to your quote.

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 to assess your coverage needs and personalize your quote as much as possible. Understanding how to find car insurance coverage requirements in your state helps you compare rates accurately and ensures you get the best policy for your needs.

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

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.

Please take note of these rates and keep them somewhere you can quickly return to eat them before you must test several other quotes online and compare them to find the best deal.

Read more: How do you get a Liberty Mutual car insurance quote online?

USAA Car Insurance is Exclusively for Military Members

USAA was founded for active-duty military officers, but its eligibility requirements have changed. To purchase most of its insurance products, you still have to be in the military or related to someone who is or has been.

If you or your parent or spouse are not a service member or veteran, you won’t qualify for a USAA membership. However, you can still compare military personnel car insurance rates with other providers to find the best options available.

Comparing USAA Car Insurance Quotes: Rates and Discounts

USAA auto insurance is the first choice for military personnel and their families. It offers competitive rates for various needs.

USAA Car Insurance Quotes: Rates and Discounts Comparison

Their quotes generally include unique discounts, such as savers for safe drivers, policy bundling, and vehicles with extra safety features. Customers, including eligible veterans, may save up to 10% on premiums by comparing USAA rates with other providers, taking advantage of options like best disabled veteran car insurance discounts.

USAA also provides individuals with customized recommendations based on personal coverage to ensure each member gets the best value. Obtain the USAA online quote tool to compare their insurance rates and discounts for savings opportunities.