USAA Auto Insurance: User Reviews and Quotes (2025)
USAA offers auto and other insurance coverage exclusively to veterans, military personnel, and their families. Its competitive rates and high customer satisfaction scores make it a popular choice.
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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USAA, or the United Services Automobile Association, is the fifth-largest U.S. auto insurance company by market share.[1] USAA offers coverage to veterans, active-duty military members, and their qualifying family members. Army officers founded the company more than 100 years ago in San Antonio, Texas.
Today, the insurer and financial services company sells property, business, pet, life insurance, and more coverages in addition to vehicle insurance. Since USAA only offers services for the military community, many drivers can’t take advantage of its competitive rates. But for those who can, USAA offers discounts catered toward service members and a popular telematics program that can save drivers up to 30%.
USAA offers lower rates than many national insurers, though some regional insurers are cheaper.
USAA consistently scores well above industry averages for overall customer satisfaction in J.D. Power auto insurance studies.
Drivers can save up to 60% when they store a vehicle during their deployment.
How USAA compares to other insurance companies
USAA beats out or measures up to its competitors in nearly every way, Insurify’s research finds. The company has some of the lowest rates available, according to Insurify data. While USAA doesn’t offer as many discounts as other insurers, active-duty military members can get discounts for garaging their car on a military base or storing a vehicle during deployment.
Here’s how USAA compares in a few categories.
Factor
How USAA Compares
Rates
Cheaper
Customer service
Better than competitors
Discounts
Fewer than competitors
Availability
Geographically similar to competitors, but limited to the military community
Financial strength
Stronger than competitors
Note: Compared to Allstate, GEICO, Liberty Mutual, and Progressive
USAA Updates
June 2024: USAA reports net income gain in 2023, reversing its 2022 income loss (its first since 1923).
May 2024: In California, the Alameda County district attorney sues USAA, Progressive, and their affiliated software developers, CCC, alleging the insurers worked with CCC to create and use software that undervalues totaled vehicles.
April 2024: USAA donates four vehicles to veterans and military members in need.
How USAA rates compare to competitors
USAA offers extremely competitive rates and is often the best and most affordable option for veterans, active-duty military members, and qualifying family members.
USAA is among the cheapest car insurance companies, and only a handful of regional insurers beat USAA’s full-coverage rates, according to Insurify data. COUNTRY Financial, NJM, Auto-Owners, Erie, and Root have cheaper average full-coverage rates, but none sell insurance in all 50 U.S. states like USAA.
Here’s how USAA’s national average full-coverage rate compares to the rates of other national insurance companies.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of USAA auto insurance
USAA’s average auto insurance rates are less than half the national average for full-coverage and liability-only insurance. Even the insurer’s rates for higher-risk drivers — like teens and drivers with a speeding ticket or DUI on their record — are relatively low. For example, teen drivers on their own insurance policy pay about 52% more for a USAA auto insurance policy versus 64% more for a State Farm policy.
Here’s how USAA’s average monthly liability-only rates compare to the national average for a few different driver profiles.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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USAA car insurance cost by state
Several factors affect your car insurance premiums, and your location is one of the big ones.[2] Your state insurance market, regional inflation, and local severe weather like hail or hurricanes can influence your rates. Drivers in urban areas also tend to pay more than rural drivers, given the increased risk of theft and accidents in densely populated areas.
USAA prices are still among the cheapest for eligible drivers in most states. These are the average monthly liability-only insurance quotes for USAA in each state, compared to the overall state average liability-only quote.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile. Alaska, Minnesota, and Oregon omitted due to insufficient data.
USAA car insurance discounts
It’s important to consider car insurance discounts when choosing the right insurance company since savings vary and insurers offer different options. USAA, for example, has a few discounts for military personnel on base or during deployment, as well as others like new car, multi-car, loyalty, and safe driver discounts. Add them up, and discounts can lower your premium significantly.
Always ask about what discounts you’re eligible for since not all insurers automatically apply them and you may have to provide documentation.
Type of Discount
% Discount
Garaging your vehicle at a military installation
Up to 15%
SafePilot (app-based safe driving program)
Up to 30%
Bundling with home insurance
Up to 10%
Legacy
Up to 10%
Deployed or storing vehicle
Up to 60%
Low-mileage
Varies
Good student
Varies
Safe driver (five years accident-free)
Varies
Defensive driving or basic driver training course
Varies
Anti-theft device
Varies
How customers feel about USAA
Like most insurers, USAA’s online reviews are mixed, but many drivers seem satisfied with USAA’s coverage and affordability. USAA has consistently high scores in industry customer and claims satisfaction. Still, USAA has a score of 1.2 out of 5 on Trustpilot, and some reviewers report a slow claims process and frustrating price increases.
These are a few sources to consider to learn how policyholders feel about their insurers.
USAA customer reviews
Insurify asks consumers to rate their insurance companies and collects the information so shoppers can hear from people directly about their experience. These are all real, verified USAA reviews, and more policyholders report their experiences every day.
Errin - July 9, 2025
Verified
They Could Do Better!
Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.
Herbert - July 5, 2025
Verified
Personally beneficial
Very easy to work with.
John - June 17, 2025
Verified
USAA Critique
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
Marlon - June 15, 2025
Verified
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
…
USAA ratings
Industry ratings can help you understand an insurance company’s business reliability and how it scores for customer satisfaction. Global credit-rating agency AM Best rates insurer’s financial strength and credit. A higher score indicates an insurer has good risk management and can reliably pay claims.
Consumer insights agency J.D. Power measures customer and claims satisfaction among auto insurers, and USAA scores the best or among the top scores in recent studies. The insurer’s National Association of Insurance Commissioners (NAIC) company complaints index score will tell you how that company’s number of complaints compares to the industry standard for a company of its size.
Rating
Score
What This Means
AM Best
Financial strength rating: A++
Long-term credit rating: AAA
Highest possible scores (best operating performance, business profile, and risk management)
J.D. Power
900 (2023 claims satisfaction study)
748 average (2024 auto insurance study)
Customer satisfaction scored out of 1000
Scored higher than others or in the top five
NAIC Complaint Index
1.36
Received 36% more complaints than the market average
USAA car insurance coverage options
USAA offers standard coverage options, including liability coverage that meets state-minimum insurance requirements, collision, comprehensive, and uninsured/underinsured motorist coverages. Drivers can also purchase optional coverages like USAA roadside assistance, accident forgiveness, and rental reimbursement.[3]
To get an accurate quote, be sure to have information about your or your family’s military affiliation, your government ID, and your Social Security number since USAA uses them to confirm your affiliation.
Liability coverage
This includes bodily injury and property damage liability protection, which cover injuries or damage you cause to another person or their property.
Collision coverage
Collision insurance pays for damage to your car from a collision with another vehicle or object, like a fence or tree. It also pays in case of rollover accidents.
Comprehensive coverage
Comprehensive insurance reimburses you for losses from theft or damage from something other than a crash with a car or object. It covers damage from fire, windstorms, hail, vandalism, animals (including a collision with a deer), and more.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage reimburses you if a driver without insurance — or enough insurance to cover the damage — hits your vehicle. This coverage can also pay for medical expenses and vehicle damage in a hit-and-run accident.
Medical payments (MedPay) coverage
Medical payments coverage is optional in most states and helps cover accident-related medical bills and funeral expenses for you and your passengers, no matter who’s at fault.
Personal injury protection (PIP) coverage
PIP covers accident-related medical expenses, lost wages, household services, and funeral expenses for you and your passengers regardless of fault. Some states with no-fault insurance systems require drivers to carry personal injury protection.
Roadside assistance coverage
Like most large insurers, USAA offers roadside assistance coverage. This optional add-on includes 24/7 service for towing after a breakdown, changing a tire, jump-starting your battery, and more.
Rental car reimbursement coverage
This coverage will help pay for a rental if your car is in the shop for repairs after a covered event.
Rideshare gap coverage
This unique add-on for rideshare drivers can cover the gap between your personal auto policy and the rideshare company policy active when driving a passenger or delivery. That gap is when you’re logged into the app and waiting for a request.
Car replacement assistance coverage
USAA doesn’t offer standard gap insurance, but this coverage is similar. If you total your car or someone steals it, gap coverage pays the difference between what your insurer covers and what you owe on your loan. This USAA add-on pays out the actual cash value (ACV) of your vehicle to you or your lender, plus 20% ACV to you that you can use freely.
Other options for USAA customers
USAA offers many other types of insurance, and auto insurance customers could save by bundling with other USAA policies. A few more coverages you can get from USAA include:
Vehicle insurance: USAA will insure your motorcycle, ATV, boat, bicycle, classic car, and more.
Property insurance: USAA sells renters, homeowners, condo, landlord, mobile home, and personal valuables insurance.
Travel insurance: This protection will cover unexpected medical expenses and extends to children younger than 17 if they’re traveling with an insured adult.[4]
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How USAA SafePilot works
The USAA SafePilot program is USAA’s telematics car insurance program, which uses a mobile app and other sensors to track your driving. It’s an optional discount program. Drivers get up to 10% just for enrolling and can earn up to 30% on renewal if they practice safe driving habits.
The app maps your trips and monitors your driving, tracking things like phone usage, hard braking, and overall mileage. USAA logs your trips and delivers a driving score and potential discount. The app will also detect if you’re in a crash and help with the next steps. The information it collects could expedite related claims.
Enrolling in SafePilot won’t make your insurance go up. It’s only used to calculate a discount. If you’re a confident, safe driver, or committed to practicing safe driving habits, telematics insurance could help you lower costly premiums significantly.
SafePilot is different from USAA’s usage-based program, in which your monthly rate is adjusted based on your mileage or safe driving, and can result in savings of up to 20%.
USAA insurance FAQs
If you’re still considering whether USAA insurance is a good fit for you, here are some answers to frequently asked questions to help inform your decision.
Is USAA legitimate?
Yes. USAA is a legitimate company. Its high financial strength and long-term credit ratings from AM Best reflect strong business. USAA has served the military community since 1922.
What is the average cost of USAA car insurance?
A USAA liability-only policy costs $49 per month, on average. A full-coverage policy costs $99 per month, on average. Your location, driving record, credit history, age, and other factors affect how much you pay.
Is USAA good at paying claims?
Yes. USAA has the financial strength and customer service to pay claims, according to its industry ratings.
USAA’s high AM Best score shows it has strong risk management and can pay out claims. USAA’s J.D. Power customer satisfaction ranking is also high, indicating policyholders are satisfied with the claims process.
How do I cancel my USAA insurance policy?
Policyholders must call USAA to cancel a policy. To avoid a lapse in coverage, be sure to set up your next auto insurance policy before canceling your USAA policy.
What are the disadvantages of USAA?
USAA’s competitive rates are only available to veterans, active-duty military members, and their qualifying family members. The insurer also doesn’t offer 24/7 customer support.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Julia Taliesin is a data journalist at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.
She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.
She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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