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USAA car insurance is popular among military members and their families. But what do USAA insurance reviews reveal about the company and its claims process?

If you or a family member are an active-duty or retired service member, our review takes a close look at USAA reviews, cost, coverage, and reputation to help you decide whether it’s the best choice for you. We’ll also compare USAA to other providers that scored well in our industry-wide review of the best car insurance companies.


USAA Insurance Review

We give USAA a 4.8 rating out of 5.0 and recognize it as one of the top insurers in the country. Not only are USAA policies some of the least expensive nationwide, but USAA also boasts excellent customer service and full coverage offerings.

The only drawback to USAA insurance is that it isn’t available to all drivers. If you aren’t a member of the military, a veteran, or the child or spouse of a USAA member, you won’t be able to purchase USAA auto insurance. Below is a breakdown of our rating of USAA and each category that makes up our ratings.

USAA Insurance Rating

Below is a breakdown of our rating of USAA insurance and each category that makes up our review team’s ratings. The overall rating score of “4.8” was aggregated from USAA’s  performance across four main areas: cost, coverage, reliability, and claims service:

Reviews Category

Ratings Score







Claims Service


Overall Rating


These scores were calculated using the same methodology our review team uses to deliver unbiased assessments of auto insurance companies.

To help put these scores in perspective, here are the pros and cons of USSA insurance:

USAA Auto Insurance Pros And Cons

Pros Affordable rates for most drivers High satisfaction scores and ratings in J.D. Power studies A++ financial strength rating Highly rated mobile app
Cons Only available for military members, veterans, and their families Usage-based insurance program not available in all states Not the cheapest option for drivers with a DUI

About USAA Insurance

Founded: 1922
Headquarters: San Antonio, TX
States available: All states
AM Best financial strength rating: A++

United Services Automobile Association, more commonly known as USAA, has been providing top-rated insurance coverage to customers for nearly 100 years. The insurer is known for its high customer satisfaction–which is backed up by scores of positive USAA insurance reviews from customers. USAA’s insurance products are available in every state for those who qualify for membership.

How Much is USAA Car Insurance?

We found that the average 35-year-old married driver pays $1,013 per year or $84 per month for comprehensive car insurance. That’s much cheaper than the national average of $1,732 per year. According to our cost research, USAA is one of the cheapest car insurance options for most drivers, a finding supported by many USAA insurance reviews.

USAA Car Insurance Rates

USAA car insurance rates depend on a variety of factors and are highly personalized. Below is a list of what information car insurance rates are determined based on:

  • Age
  • Gender
  • Location
  • Driving record
  • Credit score
  • Marital status
  • Vehicle type

The best way to get an idea of how much a policy with USAA would cost you is to reach out for your own personalized car insurance quote. USAA insurance reviews often mention how simple and straightforward the quote process is

USAA Car Insurance Estimate: Cost by  State

The table below shows rate estimates for a USAA policy for a 35-year-old married driver who has a good credit score and clean driving history. It’s important to note that these are estimates and the rates you receive may vary.


Annual Rate Estimate


Annual Rate Estimate

















District of Columbia








































New Hampshire


New Mexico


New York


North Dakota










Rhode Island


South Carolina


South Dakota














West Virginia






*Cost information not available for USAA auto insurance in North Carolina, Iowa, or New Jersey.

USAA Car Insurance Estimate: Cost By Provider

Our nationwide annual rate estimates show USAA as having the cheapest average coverage for those with a clean driving record (no recent accidents or DUIs). USAA generally offers especially low rates for good drivers but also offers the lowest rates overall for poor drivers and students. Below is a breakdown comparing USAA auto insurance estimates to the cheapest providers for good drivers, drivers with poor credit, and young drivers.

Cheapest Car Insurance Comparison: Cost for Good Drivers

Car Insurance Company

Annual Rate Estimate



State Farm








Cheapest Car Insurance Comparison: Cost for Drivers With Poor Credit

Car Insurance Company

Annual Rate Estimate









State Farm




Cheapest Car Insurance Comparison: Cost for Young Drivers

Car Insurance Company

Annual Rate Estimate





State Farm








USAA Car Insurance Discounts

One way that customers save money on insurance is through discounts. Every insurer has its own set of discount offers, and finding a provider that offers valuable discounts for which you are eligible can greatly reduce overall car insurance costs. USAA discount offers include:

Good Student Discount

Offered to full-time students with good grades

Safe Driver Discount

Available for drivers with a clean driving record for 5 or more years

Garage Discount

Available for customers who garage (regularly park) their vehicle at a military installation–applies to comprehensive coverage policies

Defensive Driving Discount

Offered to drivers who complete an approved defensive driving course

Driver’s Ed Discount

Available to drivers under 21 who complete a driver training course

Bundling Discount

Provides premium discounts for policyholders who also have USAA property insurance products, such as USAA home insurance or renters insurance

Multi-Vehicle Discount

Provides discounts for those who insure more than one car with USAA

New Vehicle Discount

Available for vehicles that are no more than 3 years old

Anti-Theft Discount

Provides a comprehensive insurance discount for vehicles with anti-theft devices installed

Storage Discount

Offers up to a 60% discount on premiums to service members who keep their cars in storage on a military base while deployed

Loyalty Discount

Available to customers with a parent who has a policy with USAA

Below are a couple more options you have for car insurance discounts with USAA.

USAA Rental Car Discount

USAA’s car rental discounts can be as high as 30% for members depending on the rental car company. Each company also includes additional benefits such as unlimited mileage and a break on additional driver fees. Currently, the four car rental companies that offer USAA rental discounts include Avis, Budget, Enterprise, and Hertz. Budget and Avis both only offer discounts on their members-only sites. Below is a breakdown of each company’s unique discounts:

  • Avis: Currently Avis offers a deal of up to 30% of rental rates with free upgrades.
  • Budget: Recent discount deals for Budget offer 10% off of rates at neighborhood locations, free upgrades, and $10 off regular rates when spending at least $175.
  • Enterprise: According to the USAA website Enterprise offers a discount of 5%.
  • Hertz: This company offers a standard discounted rate and combined with special offers can be up to 25% on time and mileage rates. Another discount offer is on international rentals that are up to 10%.

USAA SafePilot Discount

SafePilot can give you a discount of up to 30% on your policy bill by monitoring your driving habits through a mobile app. Premium reductions are offered to those who avoid driving at night, brake gently, and maintain low annual mileage.

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USAA Car Insurance Coverage

USAA offers the six standard types of car insurance coverage, which include:


Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability coverage pays for damages to other drivers’ vehicles following an at-fault accident.


Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.


Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

Medical Payments

Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

Personal Injury Protection

Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

Uninsured/Underinsured Motorist

Uninsured/Underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

USAA Car Insurance Coverage: Add-ons

In addition to standard coverage, USAA offers the following coverage options:

Roadside Assistance

Provides services for towing, lockouts, winching, and fluid delivery

Rental Reimbursement

Pays for a rental car while your vehicle is in the shop for covered repairs

Car Replacement Assistance

If your vehicle is a total loss, pays an additional 20% over the car’s actual cash value

Accident Forgiveness

Can be purchased or is provided free after you’ve gone accident-free for five years and guarantees your insurance premium won’t rise after an accident

Rideshare Insurance

Helpful if you use your vehicle for a rideshare service like Uber or Lyft

Roadside assistance and rental reimbursement are standard add-on offerings among insurers. Car replacement assistance (CRA) policies are less common but useful to ensure you can replace your vehicle with the newest model if it is totaled. A CRA policy is especially valuable to those who drive a lot–and may quickly depreciate the value of their vehicle.

USAA Rental Car Insurance

USAA will cover the damages or pay for the rental if you have rental car reimbursement on your personal car insurance plan. Your personal plan should also cover rentals as a standard, but it is limited to your policy terms. USAA also offers a rental car insurance program through four major rental companies including Avis, Budget, Enterprise, and Hertz.

USAA Commercial Auto Insurance

USAA offers commercial auto insurance through USAA’s partner network. Their commercial auto insurance can include up to five standard parts: liability insurance, medical coverage, comprehensive, collision, and uninsured or underinsured motorist coverage. You may need USAA commercial car insurance if your vehicle is used for a business, ads are displayed on your business vehicle, you own a trucking business, or you rent vehicles for your business.

USAA Rideshare Insurance

USAA offers rideshare insurance as an add-on to your personal auto insurance policy for people who are drivers for rideshare companies like Uber and Lyft. These policies are usually affordable and can be as low as $6 per month and also offer better coverage than rideshare companies.

USAA Usage-Based Insurance

The USAA usage-based insurance program is called SafePilotTM and it monitors your driving to score them for possible discounts on your policy. Your trips are automatically logged and scored, so there is no need to open the app every time you drive. The SafePilot program is currently available in most states except for the following: 

  • California
  • Connecticut
  • Delaware
  • Indiana
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Vermont
  • Wisconsin

How To Cancel USAA Auto Insurance

Policyholders can request to cancel their USAA auto insurance policy through their online account, by mail, or by speaking with a customer service representative at 1-800-531-8722. You can arrange to have your policy canceled immediately or at a later date. You will need your name, address, date of birth, and policy information when making a cancellation request. 

If you paid for your insurance policy up front, USAA will prorate the unused portion. The insurer does not impose any cancellation or early termination fees. 

USAA Mobile App

USAA auto insurance policies can be managed through the USAA mobile app, which can also be used to pay your bills and file claims. The USAA insurance app has a 4.3 out of 5.0-star rating on Google Play and a 4.8 out of 5.0-star rating on the App Store. These are high scores and indicate that the app works well with few issues.

USAA Insurance Customer Reviews

Better Business Bureau (BBB) rating: A+
BBB complaints in the past three years: 2,111
2021 J.D. Power auto claims satisfaction index: 909 / 1,000

While there have been several complaints regarding USAA roadside assistance, overall the insurer fields a relatively low volume of negative feedback. On the BBB website, USAA has received just over 1,800 complaints in the past three years. This is an extraordinarily low number for a company of its size. Given that there are nearly 12.5 million USAA members, this represents less than one percent of total customers. Below are some positive reviews and complaints about USAA insurance’s services.

Positive USAA Insurance Reviews

Many reviewers on the BBB report that USAA claims service is quick and efficient.

“I’ve been in several accidents and [USAA has] taken care of me and had an awesome body shop do the work. It was nearly hands-off on my end; I just came back to pick up the car when it was repaired.”

– Frank A. via BBB

“My car was totaled [on] 8/8/19. USAA responded immediately at the scene and an hour later I had solutions. Their adjuster was available within 12 hours and paperwork [was] filed [the] same day.”

– Elizabeth C. via BBB

USAA Insurance Complaints

There are some reports of poor claims service with USAA, including customers who were displeased with their valuation.

“The valuation they were willing to pay us for the total loss of our truck is woefully low.”

– via BBB

“My accident took place May 8, 2021. It is June 28, 2021 and my car is still in the shop due to the negligence of USAA claim adjusters and supplement department. My car has already been repaired but the body shop will not release my car until the second supplement is approved by USAA.”

– Shakita J. via BBB

Negative experiences seem to be the exception. Based on the low volume of complaints and high scores in industry surveys, USAA has one of the superior customer reputations among insurers.

USAA Insurance Claims Reviews

Most customers’ reviews of the USAA insurance claims process are positive. In the  J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM, USAA insurance company scored 909 out of 1,000, which was the highest overall score out of all insurance providers. However, this seems to conflict with reporting by the National Association of Insurance Commissioners (NAIC). USAA’s NAIC complaint index is 1.90, meaning the company saw 1.90 times more complaints than the national average.

USAA Customer Satisfaction

Our 2022 car insurance survey which polled 1,000 respondents found that 10% or 100 people had a USAA car insurance policy. Further, 64% of the 100 people who stated they had USAA coverage reported they were very satisfied with the company, the highest of any provider in our survey. While USAA is not eligible to rank in the J.D. Power satisfaction surveys due to its eligibility requirements, it is scored and often receives the highest customer satisfaction ratings in most regions.

USAA Safepilot Reviews

The SafePilot app has a 3.9 out of 5.0-star rating on Google Play. Several reviewers note that the app has trouble tracking driving data and often doesn’t work. The app is better reviewed in the App Store where it has a rating of 4.3 out of 5.0 and appears to be working well for most users.

USAA Insurance: Additional Coverage Options

Insurance products offered through USAA include:

  • Auto insurance
  • Boat insurance
  • Motorhome insurance
  • Renters insurance
  • Homeowners insurance
  • Life insurance
  • Dental insurance
  • Medical insurance
  • Pet insurance

Below is a detailed summary of their coverage options for their homeowners and life insurance policies.

USAA Homeowners Insurance

USAA offers home insurance coverage for military members, veterans, and their families. The company provides the following types of homeowners insurance: 

  • Dwelling coverage: This covers the cost of repairing or rebuilding your home if it is damaged or destroyed by a covered event. 
  • Personal belongings coverage: This covers the cost to repair or replace your personal property items if they were damaged or destroyed by a covered event. 
  • Home sharing coverage: This protects you and your guests if you’re renting out a room or your entire house. 
  • Loss of use coverage: This covers your increase in living expenses if your home is not livable after a covered loss. 
  • Personal liability coverage: This provides coverage when you are legally responsible for accidental injury or damage to the property of others. 
  • Other structures: This covers other structures on your property separate from the home, such as detached garages, storage sheds, fences, and driveways. 

The insurance provider also provides earthquake coverage for those wanting extra protection. Those who purchase both home and auto insurance through USAA can save up to 10 percent off their insurance by bundling their policies. 

USAA Life Insurance

USAA offers two types of life insurance coverage, term coverage and permanent coverage. Term life insurance provides temporary coverage that lasts up to 30 years with a fixed monthly payment. It costs as little as $12 a month and can pay off your mortgage or your children’s education after you are gone. A permanent life insurance policy offers coverage that lasts a lifetime. It includes a death benefit that’s paid to a beneficiary. 

To find out more about USAA home and life insurance, you can contact the company at 800-531-8722.

USAA Auto Insurance Reviews: Conclusion

Our team rates USAA Insurance 4.8 out of 5.0 stars for its great customer service, ratings, and cheap rates. For these reasons and more, our reviews team also names it the Best for Military in 2022. Overall, USAA has great prices as well as mostly positive customer reviews so it can be a great option for your insurance needs, but it must be noted that it is only offered to military families.

If you are eligible,  joining USAA allows insurance benefits to carry over and cover your family members. Although USAA can be a good option, we urge you to search around and compare insurance quotes to find the best deal.

USAA Auto Insurance Competitors: Best Companies

If you aren’t a service member or part of a military family, or you want to compare other car insurance options, you can request personalized car insurance quotes from several of our other top-recommended insurers. It’s generally a good idea to compare rates from several providers when shopping for car insurance.

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Geico: Best Overall Provider

We award Geico 4.6 out of 5.0 stars. Our team names it the Best Overall Provider in the U.S. because it offers comprehensive coverage options and reliable claims service. It’s also available to most drivers.

Geico is rated A++ for financial strength by AM Best and has a long history of meeting customer claims obligations. Premium rates are low and may be the cheapest option for many drivers–especially for good drivers, young drivers, and drivers with poor credit.

Read our Geico insurance review for more information on this provider, such as our state cost estimates, discount options, and customer reputation.

Progressive: Best Usage-Based Insurance

Progressive is one of the largest insurers in the country, and it offers low auto insurance rates for drivers with recent traffic violations or DUIs in particular. The provider offers full coverage car insurance plus a number of valuable add-on options.

We recognized Progressive for having the Best Usage-Based Insurance because of its Snapshot® program, which makes the provider a great option for those who don’t drive very often or those with excellent driving habits. The Snapshot app is well reviewed on both Google Play and the App Store.

Learn more by reading our full Progressive insurance review, where we list Progressive cost estimates and explain the provider’s coverage and discount options.

USAA Auto Insurance Review: FAQ

How We Rate Insurers

Our auto insurance review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.