Is USAA A Good Insurance Company? Reviews From Over 3,604 Customers

Good coverage at a great price.

It is good but expensive.

Great since I never switched companies.

It's very good, I'm just looking for cheaper insurance with the same coverage.

Good customer service but very high rates.

Excellent, you need someone in the family to be military or a veteran. I just got a check from the subscriber account USAA uses as a safety valve. This check basically paid for 6 months of coverage.

The customer service is always a nightmare. It is difficult to work with the customer service reps.

I have not had any issues, and the price was always far below other insurers.

Looking for a car insurance company that gives you top-of-the-line support and coverage? Try USAA. They have done wonders for me over the last 61 years.

Excellent, has been for 60 years.

I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.

Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.

Excellent and professional service. My minor complaint is that it is somewhat expensive.

I would like to have full coverage at a cheaper rate.

Great service, expensive.

Great coverage but expensive.

Great insurance, except they are twice the price of everyone else. Lots of discounts, but without the discounts, they are four times as much as other insurance companies. Basically, the only thing wrong with them is the price.

USAA gave me a favorable price over the competition, and I’ve been with them for 1 1/2 years now.

They took care of me after an accident. The vehicle that hit me had inferior insurance.

USAA had the lowest quote 6 months ago.

I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.

Prices are too high. Military members and their families should get cheaper rates.

Good, cheaper than other quotes.

They are very responsive and customer service-oriented; however, they are very expensive. I have been with USAA for more than 30 years but find it increasingly difficult to pay for the car and home insurance while on a fixed income. I wish they were more flexible on their pricing as they are an excellent company. Oh, and trying to reach them on the phone is a frustrating challenge for an older person with all their security measures.

The insurance is fine, but it's the other corporate decisions that have me looking for another carrier.

USAA is not a good value for the money. I only drive 150 miles a year and they are charging me $745 for six months.

Switched to Progressive from USAA after 25 years. USAA would not work with me on lower car insurance rates (we are retired) after they jumped $80/month. I've been very impressed with Progressive, setting up auto for 2 cars, plus I moved our homeowners policy as well. I was disappointed that USAA wouldn't try harder to keep me as a customer, but switching to Progressive is proving to be a great move. Full policy matching what we had with USAA, saving $100/month!

Too expensive, but they are very good at processing claims. Very dependable.

The price is very high.

USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.

No problem. I pay the bill and have not had to use the insurance.

Transparent, very good service, good value.

Excellent member since 1972.

Great, they seem to have the lowest rates and free roadside assistance.

I have been with them for 54 years and no one has beaten the rate for the coverage I want.

We have been very happy with the quality of service we've received over the years. They are one of the highest-rated companies. Although, the increase in price is a big concern.

It is a great insurance.

Excellent but expensive for someone who barely drives the car.

Never had a problem with USAA. When I asked for quotes, no one quoted prices for PIP, rental service, towing, or car damage by uninsured drivers.

I haven't had any issues when I've needed roadside service. I had a good experience with the one claim I made.

Premiums are a bit too high.

I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.

I had them before and I can’t remember why I left. But I'm happy to be back.

I've got a total of forty-six years with USAA. Most of the military are insured with them. I always got great coverage and no problems with all the personnel I've dealt with. I recommend USAA to everyone.

USAA has been really good on the car side but needs a little more attention when you have a possible home issue. They, however, did lower our rates when I asked them for some help on that particular subject. Maybe I should have given them four stars instead of five, but I took everything into consideration and decided they deserved five stars! We have been with them for over five years, so I just thought back on how it has been over the last five years, and I can honestly say I haven’t had any problems!

Lower rates for seniors as other insurance companies advertise.

USAA treats members fairly and respectfully.

USAA is fabulous! They seem a bit more expensive than they used to be. I have been their customer for about 56 years.

Never had any negative issues with USAA.

Great. The salesman knew his stuff and was very helpful.

Very happy with USAA.

They're great. I would recommend them to anyone.

The rates are more than twice as high.

40+ years and have never been disappointed, but prices could be better.

Best value, beats most current quotes, especially with children. Could do more for clean driving record and good student discounts.

USAA does accept amendments from body shops that result in overpayments. These excessive amounts should be reappraised by a claims adjuster to prevent fraudulent, additional claims by a body shop. I have experienced such overcharges that were not performed on my vehicle. This needs to stop!

Reliable and flexible.

USAA offers more comprehensive coverage for less premium costs than all the others I checked with.

They provided excellent customer service in our experience. They are always available to answer questions and easy to work with on claims. You usually get dividends back at the end of the year, which is nice.

Good except it is expensive and we don't drive that much at our age.

Way too expensive. We are retired and don't drive much.

I have not been impressed. I have had coverage with them for over 5 years, and the rates just keep going up.

Too expensive for one car.

Costs double the price of other insurers.

It used to be a really good company, but they changed a lot of their policies, didn't put them in writing, and it wasn't until later that we found out changes were made. They say that they apply monthly discounts to my rate, but no discounts have actually been applied.

They are very hard to get a hold of on the phone. I asked for a copy of my insurance and cards last month, and I have yet to receive them.

Perfect but PRICEY!

They keep raising their prices even though I hardly use my car due to my third cancer diagnosis. I paid full price in 2009, and my car now has 28,000 miles (which shows how little I use it). I pay for a parking space. They added rental insurance when I clearly said no thanks (over the phone and asked them to send it to me in writing). During the ongoing TOPA process, some of my belongings got damaged. I tried to place a claim over the phone, and an angry person told me it is not covered. Then why are they charging me for a service that does not cover anything? Lastly, my car was damaged while parking, and the DC 3rd Police Department told me that damages should be covered by any car insurance by DC law. I've tried over the phone without a response so far. I believe this is an abuse against older people who are just trying to survive on a very limited income. Waiting for a prompt response from corporate or a manager. The supervisor just said they would call me back, but it never happens. I’d appreciate anyone's help!

It was great until policy renewal, then it went up $110 a month.

Great customer service. Rates are way too high.

Don’t file any claims with your insurance that aren’t absolutely necessary. Your rates will quadruple, and you won’t find out until it is due.

Very poor experience. I had a car with 60,000 original miles, like it came out of a showroom, and it was totaled. They compared it to the same car with 238,000 miles, and no amount of talking and explaining would change their mind. I lost thousands of dollars! On top of that, because I was challenging them on the price they wanted to give me, they took the rental back or were going to charge me a higher price than I could rent it myself, although I pay extra on my policy for them to provide a rental to me in case my car gets disabled!

Be careful because they were raising rates on us.

No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.

The product is good. The price is not. Very expensive. The service is excellent, but the insurance is expensive. Customer service is very good, but the price is expensive.

USAA has good prices on policies. When filing a claim a few years back, the only thing that stood out to me after the process was what the claim representative said: "We don’t legally have to do any more than that." It was a grey area that they would not even discuss.

Terrible, they didn't make me whole on a NO FAULT accident and didn't go after the at-fault driver. They just paid me the wholesale book price for my 2-year-old vehicle!

Switching to Progressive from USAA, we saved $600 per year. USAA wasn't willing to match. So far, so good with Progressive, but it's only been a couple of days. They are sure to raise rates eventually, just like every other insurance company.

Check around, many are cheaper and offer the same as USAA.

When you try to cancel, you get hassled, and they only think of money and how much they can get from you. It's the second most expensive car insurance I've ever had.

Pricey increases annually, especially in home coverage.

I'd shop for a different policy and probably change policies often enough for discounts. We've paid a huge amount staying with the same company for 20 years.

If you're adding insurance, you're better off going someplace else because the longer you are with them, the more you pay.

Shop around. The insurance I got was half the cost of USAA for higher coverage levels in most categories.

My experience with their claims service has been good. I find them expensive compared to other insurance companies.

The insurance premium price keeps going up, and I have had no accidents and no speeding tickets. I would like to know why that has happened.

Rates keep increasing.

Keep a close eye on them; they will steadily increase your prices. They doubled mine in 6 months, with no accidents or tickets.

USAA offers any coverage you could ask for. However, don’t expect them to handle claims efficiently. I'm sitting on one claim that’s just gotten to arbitration after 2 years.

My insurance premium increased during renewal without any changes to my policy or circumstances.

USAA is very high in cost and slow to pay out.

I have never filed a claim, but the rates just keep going up.

It's okay. Just way too expensive monthly and they never offered any discounts.

Price increases over the last few years have been terrible.

Overpriced. They messed up my payment schedule.

I have USAA, and they are way more expensive than anyone else. That's why I'm looking for a new company.

Keep looking - they will not issue an annual policy. The rates go up a lot every 6 months, and there's no discount if you pay in full.

USAA has, for some reason, decided to charge me $250.00 for auto insurance on a 2019 Nissan Rogue, plus home insurance of $244.46. They also charge a $3.00 installment fee. I changed banks and missed a payment, which was the first time I ever missed a payment, but now they want $477.46 a month. I don’t think I’ll be with this company much longer.

USAA consistently delivers exceptional service; I have been a loyal customer for nearly two decades. However, I've observed a continuous increase in rates, which suggests a lack of loyalty to long-standing customers. I believe USAA should consider implementing loyalty discounts for their tenured clientele, rather than consistently raising their rates.

I don't think they try to give us the best value for our money and don't give experienced, older, and accident-free customers a break, especially long-term and older customers. They handle accidents very well, but they don't try to give us the best bang for our money.

The home insurance section is excellent, but the car insurance costs way too much.

Could be cheaper for service people and their families. More live agents helping service persons and their families would be beneficial.

Despite being insured with this company for 30 years and having minimal claims, our latest claim experience has been pure misery. We had to fight against a low vehicle valuation based on false "comparable" vehicles and an overstated repair estimate based on misinformation, which together led to a false total-loss declaration. Be prepared to vigorously defend your interests if you ever have a claim.

Overpriced compared to other carriers.

Too expensive. Get insurance elsewhere. Not enough discounts for an excellent driving record.

They are difficult to get a person to talk to. Also, compared to other companies, they seem high.

Excellent, but the rates are too high.

They are supposed to give a military discount, but like the rest, they say they do and don't, and they raise the rate all the time.

No complaints about coverage, but they tend to raise rates frequently. It's challenging for those of us on a fixed income. Many of my friends have also decided not to keep their insurance due to these increases.

Very complicated to understand the plans. I was told my premium would be $32.00/mo, but I'm paying $47.00/mo.

USAA has increased policy fees on me several times without prior notice.

They do not do what you ask them, like notifying you about claim status, even if you choose to go to court. Even when you have an accident with no charges against you, they increase their price, which is frustrating.

Nice that they handle coordinating rental car, other driver's insurance, and check-in at repair shop.

Check and compare rates often.

Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.

I'm extremely unhappy with my new insurance company, Progressive Insurance. I lost coverage due to confusion over a payment, and I was without insurance for 4 months. Now, I'm paying double what I was paying the first time. I give your company a 1 out of 5 for poor service.

Good for service, but prices have gone up quite a bit, making it difficult to afford.

They raised the cost with no notice.

I've been a loyal customer. No claims, no accidents, no late fees. Yet, my payments keep increasing. It's more than my auto payment. I feel like I'm being overcharged.

Hold true rates, no fake $38.00 per month.