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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Category  | Average Score |
|---|---|
| Overall rating | 4.9 |
| Customer service | 4.8 |
| Discounts | 4.9 |
| Claims handling | 4.9 |
| Value | 4.9 |
| Policy transparency | 4.9 |
USAA overall user rating: 4.9 out of 5
Insurify Quality (IQ) Score: 9.1 out of 10
NAIC complaint index: 1.01 (higher than expected)
Average monthly full-coverage premium from USAA: $100
Insurify gives USAA a quality score of 9.1 out of 10. Customer reviews for USAA tend to be positive, and customer service is often among the strongest categories, though feedback can be polarized. Positive reviews commonly say that USAA’s customer support is helpful, respectful, and responsive, with problems getting resolved without much friction.
Its claims handling receives a rating of 4.9 out of 5. USAA drivers give the company positive claims handling feedback, highlighting smooth, fast, and reassuring claims experiences. Overall, customers say they feel supported by USAA when it matters.
Insurify customers with USAA give the insurer a rating of 4.8 out of 5 for customer service, citing member-first and respectful experiences. Positive reviews for USAA’s customer service mention responsive and efficient representatives. Negative reviews for USAA’s customer service focus on frustrations with payment issues and difficulties making changes to policies.
Below, you can see reviews from real customers who have coverage from USAA.
USAA scores higher for customer service than State Farm, which has a customer service score of 4.2 out of 5.
State Farm reviews mention communication breakdowns and, in some cases, a lack of follow-up to their questions.
Here’s how these three companies compare for customer service.
Company | Average Score |
|---|---|
| USAA | 4.8 |
| State Farm | 4.2 |
When it comes to discounts, USAA customers give a rating of 4.9 out of 5. The company offers several discounts, but reviews mention that the discounts are limited and can be hard to qualify for.
Check out reviews about USAA’s discounts below.
State Farm falls behind USAA when it comes to discount availability, according to customer ratings. State Farm gets a rating of 3.9 out of 5 from Insurify’s customers.
Despite mentions that savings with USAA’s discounts can feel temporary, the company still outscores State Farm. State Farm has a mixed reaction about whether its discounts lead to lasting savings.
Here’s how USAA and State Farm compare for discount availability.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 3.9 |
USAA’s claims handling gets an average rating of 4.9 out of 5 from Insurify customers. Positive reviews of USAA’s claims handling mention a smooth and fast claims process and a sense of support throughout. Negative reviews for USAA’s claims handling tend to mention slow claim resolution and instances of customers receiving lower payouts than expected.
You can see real reviews about USAA’s claims handling below.
State Farm doesn’t perform as well as USAA in claims handling, according to Insurify customers. State Farm lands in the middle with a rating of 4.1 out of 5.
Reviews from Insurify customers state that USAA takes care of them and that the claims process is relatively straightforward.
The table below shows how USAA ranks for claims handling compared to State Farm.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 4.1 |
Insurify customers with USAA give the company a rating of 4.9 out of 5 for its value. Customers tend to think USAA offers good value, especially compared to competitors. But USAA customers with negative reviews show concern over price increases when they feel the insurer doesn’t value their loyalty.
Here are real reviews from USAA customers regarding value.
USAA’s rating beats out State Farm’s rating of 3.7 out of 5 for value for the money.
As with many insurers, reviews regarding value are mixed for both companies. USAA reviews from longtime policyholders tend to mention price increases over time. State Farm reviews are somewhat more negative, citing rates as expensive even when they come with good service.
The table below shows how these three companies compare for their value for the money.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 3.7 |
For policy transparency, Insurify customers rate USAA a 4.9 out of 5. Positive reviews focus on straightforward coverage terms and clear communication from USAA. Negative reviews for USAA’s policy transparency mention surprise changes, such as rate increases and the loss of discount eligibility.
Here are real reviews about policy transparency from USAA customers.
USAA customers give the company a higher policy transparency rating than State Farm. The company’s rating reflects generally positive experiences with its policies. But drivers give State Farm a rating of 3.8 out of 5, mentioning that rate increases at renewal and also non-renewals can negatively affect policy transparency.
Here’s how these two companies stack up for policy transparency.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 3.8 |
Comparing multiple companies is the easiest way to find the best company for you. Here’s how USAA stacks up against its top competitors, like State Farm and GEICO.
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify. These users complete an optional survey asking them to review their experience with their current insurance company and to rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
The reviews below show what more than 3,322 Insurify customers have said about USAA in the past 12 months.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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Average price Prices based on average across state-minimum and full coverage car insurance $76/mo* | Average price $81/mo* | Average price $114/mo* | Average price $179/mo* |
Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight Members of the military communityAI-generated from 1518 user reviews | Special highlight Customer serviceAI-generated from 7303 user reviews | Special highlight Teen driversAI-generated from 7540 user reviews | Special highlight Numerous discountsAI-generated from 1901 user reviews |