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United Services Automobile Association (USAA) car insurance provides active-duty military members, veterans, and their immediate families with a variety of standard and military-specific vehicle coverage options. In this article, we’ll take a look at USAA insurance reviews, policy options, discounts, pricing, and more.
Our team has performed thorough research on each of the best car insurance companies in the industry, going through the quotes process and evaluating coverage and customer feedback. Read on to learn more about USAA car insurance.
USAA Overview
USAA is one of the best car insurance providers in the industry. It’s known for its affordable rates and wide-ranging coverage options (including accident forgiveness), and USAA insurance reviews are overwhelmingly positive. However, coverage is not available to every driver. USAA insurance coverage is only available to military personnel and their immediate family members.
Though USAA does not have any physical branches readily available to the public (there are a few locations on military bases), its customer satisfaction ratings are still high. In J.D. Power’s customer satisfaction studies, USAA regularly tops the list for auto insurance. The auto insurer also boasts an A++ (Superior) financial strength rating from AM Best and an A+ from the Better Business Bureau (BBB).
The company is headquartered in San Antonio, Texas, and offers auto insurance as well as renters insurance, homeowners insurance, property insurance, life insurance, and more.
USAA Auto Insurance Cost
According to our rate estimates, USAA is one of the cheapest car insurance companies across states and driving profiles. Good drivers can find full coverage insurance from USAA for an average of $1,113 per year, which is much cheaper than the national average of $1,732.
Below, you can see how USAA compares to a variety of leading providers on the market. These estimates apply to 35-year-old drivers with good credit and driving records.
| Car Insurance Provider | Average Annual Cost Estimate |
|---|---|
| USAA | $1,113 |
| Erie Insurance | $1,113 |
| Auto-Owners | $1,229 |
| State Farm | $1,339 |
| Geico | $1,352 |
| Progressive | $1,397 |
| Nationwide | $1,533 |
| Travelers | $1,617 |
| National Average Cost | $1,732 |
| Farmers | $2,032 |
| The Hartford | $2,166 |
| Allstate | $2,430 |
Even if you are a good driver, the state where you live can drastically affect your rate. This is because different states have different car insurance regulations, coverage requirements, population densities, and environmental events. Below, you can see how USAA compares to the average rate in each state.
| State | State Average Cost Estimate | USAA Cost Estimate |
|---|---|---|
| Alabama | $1,448 | $770 |
| Alaska | $1,287 | $856 |
| Arizona | $1,625 | $1,202 |
| Arkanksas | $1,449 | $838 |
| California | $2,339 | $1,323 |
| Colorado | $1,672 | $1,031 |
| Connecticut | $1,885 | $1,152 |
| Delaware | $1,921 | $1,073 |
| District of Columbia | $1,787 | $768 |
| Florida | $2,894 | Data not available |
| Georgia | $1,548 | $1,054 |
| Hawaii | $1,238 | $1,017 |
| Idaho | $1,089 | $634 |
| Illinois | $1,474 | $1,192 |
| Indiana | $1,087 | $668 |
| Iowa | $1,095 | Data not available |
| Kansas | $1,364 | $745 |
| Kentucky | $1,817 | $1,089 |
| Louisiana | $3,828 | $1,659 |
| Maine | $995 | $638 |
| Maryland | $1,941 | $813 |
| Massachusetts | $2,568 | $1,650 |
| Michigan | $4,390 | $1,737 |
| Minnesota | $1,487 | $905 |
| Mississippi | $1,357 | $791 |
| Missouri | $1,741 | $691 |
| Montana | $2,214 | $788 |
| Nebraska | $1,372 | $962 |
| Nevada | $2,332 | $1,303 |
| New Hampshire | $1,181 | $628 |
| New Jersey | $2,108 | Data not available |
| New Mexico | $1,356 | $835 |
| New York | $3,964 | $2,146 |
| North Carolina | $1,277 | Data not available |
| North Dakota | $1,310 | $651 |
| Ohio | $923 | $635 |
| Oklahoma | $1,630 | $857 |
| Oregon | $1,284 | $954 |
| Pennsylvania | $1,405 | $1,430 |
| Rhode Island | $1,923 | $1,016 |
| South Carolina | $1,592 | $980 |
| South Dakota | $1,331 | $1,049 |
| Tennessee | $1,217 | $725 |
| Texas | $2,067 | $1,370 |
| Utah | $1,446 | $841 |
| Vermont | $1,013 | $651 |
| Virginia | $1,079 | $751 |
| Washington | $1,271 | $736 |
| West Virginia | $1,390 | $875 |
| Wisconsin | $946 | $584 |
| Wyoming | $1,499 | $810 |
What Affects Your USAA Insurance Rates?
In addition to the state where you live, a number of other factors affect how much you pay for insurance. Here are some of the most important factors that influence your car insurance rates with USAA:
- Coverage options: The kinds of coverage you buy and the coverage limits you choose play a significant role in how much you pay for car insurance.
- Driving record: If you’ve had a recent at-fault accident or moving violation, you can expect to pay more for car insurance than someone with a clean driving record.
- Age: Younger drivers and senior drivers pay more for car insurance than middle-aged drivers. Teen drivers usually pay the most.
- Credit score: Your credit score also plays a role in your insurance premiums. Drivers with good credit will
- Location: Different states have different rates for insurance, but rates can vary within those states too. Drivers living in rural areas often pay less for coverage than those in cities.
- Vehicle: The make, model, and value of your car also affect your insurance rates. In general, larger and more expensive cars are more expensive to insure.
USAA Insurance Discounts
According to J.D. Power, USAA ranks at the top for customer satisfaction in terms of affordability, which makes it popular among veterans and military families. USAA lowers prices even more with a number of driver discounts and plans based on the following factors:
- Good student: Receive a discount for maintaining good grades.
- New vehicle: If your car is less than three years old, you’ll get a discount.
- Loyalty: The longer you stick with USAA, the more you’ll save on premiums.
- Multi-policy: Bundle your auto insurance with USAA home insurance and get a discount across the board.
- Multi-vehicle: Extend your plan to two or more vehicles and receive a discount.
- Vehicle storage: Receive a discount of up to 60 percent for storing your vehicle.
- Annual mileage: Get a discount for driving fewer miles per year with a usage-based plan.
- Safe driver: Improve your rate when you stay accident-free maintain a good driving record for five years or more.
- Driving courses: Complete a defensive driving course from USAA (or a basic driving course if under 21 years of age) for a discount.
- Family discount: USAA members’ adult children can save up to 10 percent on car insurance by continuing USAA auto insurance services.
- Military installation discount: Save up to 15 percent on comprehensive insurance plans if you store your vehicle in a garage on a military base.
USAA Car Insurance Coverage Options
USAA truly tailors its coverage to meet the unique demands of military life. From special extended benefits to vehicle storage discounts for deployed persons, USAA auto insurance has serviced military families for nearly a century.
Here are your options for car insurance with USAA:
- Liability coverage: Required in most states, this insurance covers injury, death, and property damage if you are at fault in a collision.
- Comprehensive coverage: A plan for damage unrelated to a collision or rollover. Certain custom equipment is also covered, including some non-OEM parts.
- Collision insurance: Protect your vehicle in the event of an accident or rollover, no matter who is at fault.
- Uninsured/underinsured motorist coverage: Opt for bodily injury protection or property damage protection in case of a hit-and-run or collision caused by a driver with poor or no insurance.
- Extended benefit coverage: This covers wage earner and services disability benefits, as well as a death benefit. You must purchase medical payments coverage to receive extended benefits.
- Rental car insurance: Get a rental reimbursement while your car is being repaired following a covered accident.
- Roadside assistance: Be prepared for roadside emergencies with a package that includes fuel delivery, jump starts, lockout services, and towing to the nearest repair shop.
- Personal injury protection (PIP): Get covered up to a certain amount for funeral expenses, income continuation, loss of services expenses, and child care.
- Rideshare coverage: USAA is one of the few providers to insure Uber, Lyft, and other rideshare drivers while they wait for a trip request.
We especially like USAA’s accident forgiveness benefit, which you won’t find with some competitors. Accident forgiveness is given after five years without an accident or violation. If you cause an accident after that time, your insurance premiums won’t go up.
One of the downsides of USAA insurance coverage is how some special benefits are limited by where you live. Extended benefits coverage, for example, may not be available in your state.
Another limitation is USAA membership eligibility requirements. USAA car insurance is only available to the following people:
- Spouses of USAA members
- Children and stepchildren of USAA members
- Officer candidates from the ROTC, OTS/OCS, or an academy
- Active, retired, or honorably discharged officers and military service members
- Widows, widowers, and unmarried former spouses of USAA members who joined during marriage
USAA Claims Process
The only thing rated as highly as USAA’s coverage and affordability is its customer service and claims process. We give USAA customer service a 100 percent rating for the overall claims experience. USAA insurance reviews frequently praise customer service representatives for their professionalism and quick responses.
Although USAA doesn’t have any brick-and-mortar locations, policyholders are still able to effectively communicate over the phone or online. When requesting a car insurance quote, the online quote engine is simple and fast. The USAA mobile app allows USAA members to check their auto insurance policy information, request quotes, and download insurance ID cards.
Customers also have several payment plan options, including a six-month or 12-month payment plan. There is no payment required at the start of the policy.
Based on our research, we give USAA car insurance a 100 percent rating for the overall claims satisfaction and customer service experience. USAA car insurance is the best on the market for military families.
USAA Insurance Reviews & Reputation
USAA insurance reviews are largely positive. The company has near-perfect scores in customer satisfaction for its fair claim settlements, claims handling, price estimation process, and efficient repair process. Your USAA claims representative will work with you until your repairs are complete.
USAA customers are loyal, and many families report sticking with USAA for decades.
Here are a few examples of USAA auto insurance reviews from customers on Trustpilot:
“I have been with USAA for over 10 years and only when dealing with other insurance companies do you see just how fantastic the customer service at USAA is.” – Randolph W.
“I have been a USAA member for years … and am certain there is no better company to work with. They are fast, responsive, and very adaptable to your needs. I have checking and savings accounts with USAA, a credit card, my vehicle insurance, homeowners insurance, and life insurance through them. With each additional product, I get bigger discounts. … The staff is super professional and helpful any time I need them.” – Lisa P.
According to the Better Business Bureau, customers have mixed reviews on some USAA services, such as banking, but USAA insurance reviews tend to be favorable.
“I’ve had USAA insurance, home and auto, for over 20 years, no problems. Last accident = forgiveness. They were very courteous, and I had no problems at all.” – D. Thomas
“My husband and I have been USAA members since 2009. They have been nothing but kind and professional. … They have been five stars for us.” – Mandy E.
Despite USAA’s good reputation, there has been an increase in customer complaints on the BBB website. These cases typically involve being denied roadside assistance or having issues reaching an assigned customer service representative. However, the insurer does boast an A++ rating from AM Best, which indicates it has a superior ability to pay out customer claims.
Conclusion: Best Car Insurance for Military Families
USAA auto insurance is our pick for Best for Military Families. With a 15-percent storage discount and special medical coverage plans, USAA meets the specific needs of military members, veterans, and their families.
Our research shows that a USAA auto policy is an affordable and efficient option for drivers, but this insurance is not for everyone. If you are not in the military or a spouse or child of a military member, then this company is not for you.
If that’s the case, you still have plenty of solid options. Consider our other highly rated companies, including State Farm (Best for Student Drivers), Liberty Mutual (Best for New Drivers), or GEICO (Best Overall).
FAQ: USAA Car Insurance
Does USAA car insurance cost less than GEICO or State Farm?
According to a recent shopping survey from J.D. Power, customers rank USAA’s affordability above major competitors, such as GEICO, State Farm, Farmers, Progressive, and Nationwide.
While USAA may seem cheaper, it is not a guarantee, as your coverage and special add-ons from different companies may change the price.
How much does it cost to be a USAA member?
There is no charge to be a USAA member. However, banking services and other USAA products may involve a fee.
Does USAA offer teen driver insurance?
Yes. A teenager with an active learner’s permit or driver’s license can be insured under a USAA plan. USAA also offers a driver training course for teenagers.
How do you cancel USAA auto insurance?
You can now cancel your USAA auto insurance online or through the company’s mobile app. However, you can still cancel your USAA auto insurance over the phone by calling 1(800)531-8722.
What are USAA’s payment options?
USAA’s payment options are an electronic payment from your checking account, savings account, debit card, or credit card. You can also set up automatic payments.
What is the number for USAA complaints?
If you have USAA complaints, you can call customer service at 1(800)531-8722. Based on its average complaint index and high ratings from the BBB among other factors, we gave USAA 100 percent for its customer service. You should be able to resolve your problem.
Can anyone join USAA?
Not just anyone can join USAA. To be eligible for USAA auto insurance, you must be a member of the military or be the family member of a military member.
Original article: USAA Insurance Reviews 2021 [Costs, Coverage, Pros & Cons]
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