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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Updated
Category  | Average Score |
|---|---|
| Overall rating | 4.9 |
| Customer service | 4.9 |
| 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: $103
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 4.9 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 and AAA, which have respective customer service scores of 4.3 and 4.4 out of 5. USAA customers give the insurer a customer service rating of 4.9 out of 5.
State Farm reviews mention communication breakdowns and, in some cases, a lack of follow-up to their questions. Reviews from AAA customers cite inconsistent support quality, including frustrating over-the-phone experiences trying to reach a human agent.
Here’s how these three companies compare for customer service.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 4.3 |
| AAA | 4.4 |
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 and AAA both fall behind USAA in terms of discount availability, according to customer ratings. USAA has a discount rating of 4.9 out of 5. State Farm and AAA discounts earn ratings of 3.9 and 4.4 out of 5 from customers.
State Farm customers have mixed opinions about whether the company’s discounts lead to lasting savings. Similarly, some AAA customers say unlocking discounts feels harder and less rewarding than expected.
Here’s how USAA, State Farm, and AAA compare for discount availability.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 3.9 |
| AAA | 4.4 |
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.
With a claims handling rating of 4.9 out of 5, USAA scores higher than State Farm and AAA in claims handling, according to Insurify customers. AAA lands in the middle of USAA and State Farm, with a rating of 4.3 out of 5. Insurify customers with coverage from State Farm give the insurer a rating of 4.1 out of 5.
Reviewers state that USAA takes care of them and that the claims process is relatively straightforward. State Farm reviews characterize some claims-handling experiences as unclear or unfair. AAA customers complain about slow callbacks and poor follow-up on claims.
The table below shows how USAA ranks for claims handling compared to State Farm and AAA.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 4.1 |
| AAA | 4.3 |
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 has a value-for-money rating of 4.9 out of 5. It scores higher than AAA and State Farm, which have value-for-money ratings of 4.3 and 3.7 out of 5.
As with many insurers, reviews regarding value are mixed for all three companies. Though reviews from longtime USAA policyholders often mention price increases over time, the company generally receives more positive sentiment than AAA and State Farm.
AAA ranks in the middle of the three insurers, and some customers dissatisfied with the company’s customer service say premiums are too high. Many State Farm reviews are also negative, citing high rates and frustration over not earning discounts for loyalty and safe driving.
The chart below shows how these three companies compare in terms of value for money.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 3.7 |
| AAA | 4.3 |
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 policy transparency rating of 4.9 out of 5, ahead of both AAA and State Farm. But AAA scores higher than State Farm. AAA and State Farm have policy transparency ratings of 4.3 and 3.9 out of 5, respectively.
Insurify customers with AAA coverage cite disappointment with unexpected price changes and receiving less affordable coverage than anticipated. State Farm customers complain that rate increases at renewal and unexpected non-renewals can negatively affect policy transparency.
Here’s how these three companies stack up for policy transparency.
Company | Average Score |
|---|---|
| USAA | 4.9 |
| State Farm | 3.9 |
| AAA | 4.3 |
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, AAA, 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 3,604 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
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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 $77/mo* | Average price $81/mo* | Average price $181/mo* | Average price $114/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 3604 user reviews | Special highlight Customer serviceAI-generated from 17938 user reviews | Special highlight AAA membersAI-generated from 2349 user reviews | Special highlight Teen driversAI-generated from 18084 user reviews |