Is USAA A Good Insurance Company? Reviews From Over 4,267 Customers

I had full coverage before, but I only need PL/PD. I liked it!

I love USAA. I just wish my insurance was cheaper.

Fantastic in every way, but not cheap! If you’re shopping based on price alone, this isn’t for you. If you want all the other qualities, USAA is hard to beat!

I’ve been with USAA for 60 years and see no reason to change.

My auto and home insurance keep going up even though I haven’t filed any claims.

USAA is wonderful!

USAA is excellent, but expensive.

I've never had any problems.

Great.

USAA is great!

It seems like the premiums go up quite a bit each year, whether you have an accident or not.

It is good!

Too expensive.

USAA’s service has suited me and my family’s needs for years!

USAA is no longer my insurance. Conveniently, after I filed a claim when someone hit my car while it was parked, my policy was canceled without my knowledge. It was originally set up on autopay, and I’m not sure how that got dropped. Even if it did get dropped after the claim was filed, shouldn’t I have been informed that I needed to set up autopay again? This also cost me a suspension, a $150 reinstatement fee, and higher insurance costs because of the suspension. My premium was raised from $227 to $497 per month, which I refuse to pay, so I switched to a different carrier. This is the worst experience I’ve ever had with an insurance company. I had this insurance for more than a year, and the damages to my car were minimal at best.

USAA has been very helpful to me. My car insurance is outstanding. USAA is people-friendly.

It’s too expensive.

Great!

Easy to deal with.

Excellent.

It’s great if you’re able to access it.

USAA is awesome.

So far, the contacts have been exceptional, with representatives available to handle my questions. I have no complaints.

USAA - Easy to work with and quick response in all areas, including claims.

Excellent options and service.

Great company. Great customer service. Easy to work with when you need them. Price for car insurance is significantly higher.

USAA is a stand-up company. I have had no complaints in several years.

Watch out for rising rates.

I've had USAA since 1985, and they are the BEST!

Very good insurance company with great service and price.

Expensive for a 76-year-old retired military person who drives less than 3,000 miles per year. No DUIs or tickets.

USAA is an amazing company, always ready to talk to me personally. Not the cheapest, but I enjoy the confidence I have in them.

Expensive for seniors

I've been a USAA member for over 20 years now. The single auto collision event I had was dealt with quickly via phone. It was a smooth process.

Overpriced.

USAA is a good company, but you must be a service member, veteran, or a family member to apply.

Excellent customer service, a must-have if stationed overseas, and competitive policy pricing. Easy claims process, quick payments, and overall ease of use. I love USAA but I just needed a cheaper policy right now.

USAA has always been helpful and easy to work with.

That's the best car insurance you can buy, but it's very expensive.

I have always had good experiences with Progressive. I would advise any friend to go with Progressive.

Very good coverage, quick and courteous service. Premiums are too high. Increases with last 3 renewals, no changes in driving record.

Fair pricing and good customer service, if you can get through the AI phone system to reach a real person.

Average service, premiums are excessive, but good coverage.

Pretty good, but still way too expensive.

Customer service is excellent. However, it is expensive.

Move out of or stay out of California; it's an insurance rip-off and joke. It doesn't matter if you have a pristine driving record (like me, 30+ years as a licensed driver, zero tickets, zero accidents, zero claims - still screwed!). As long as there are people encouraged to break the law, you're going to foot the bill. First and foremost, be a responsible driver, drive defensively, pay attention, and keep your head on a swivel. Understand that no one else out there cares about you, your life, your vehicle, or your money, so you have to do right by yourself and your family alone. My next best advice to help ensure you can have your own back, because not everyone can even qualify for USAA (but if you do qualify for USAA, bar none, there is no better insurer out there, period!), is to figure out how to self-insure. Pay the premiums to yourself, invest in a no-touch type of account to accumulate your premiums and get an actual return on that investment. Then, if the worst-case scenario happens and you need to handle business, guess what - you can pay for it yourself. Your claim won't be denied, and your rates won't go up if, God forbid, you get in an accident, nor will you be denied coverage. These days, you're going to foot the bill, one way or another, most likely for you and the other party involved, so you might as well be your own insurer and quit paying premiums to another company who will forget that you've been footing the bill for all these years with no claims the moment you actually need them.

I went with John, who helped me with everything. Outstanding job, well done!

They are great! I don't have a bad thing to say about them. I just wish that the price of insurance, whether with them or someone else, would be cheaper.

Excellent options and service, but continue to check options that may be cheaper.

The lady I talked to was very knowledgeable, patient, and professional in every way. The only problem I have with all insurance companies is that I can’t drop comprehensive insurance without dropping collision. It seems like a tactic by insurance companies to take more money from people who don’t need comprehensive coverage. I’ve lived in my house for 20 years, and the chances of my car getting stolen are really slim. There are no trees close enough to fall on and destroy my car. I live in the city and seldom drive at night, so my chances of hitting a deer are very slim. My car is completely paid for and not financed, so why can’t I drop comprehensive coverage? I don’t need it and haven’t for a long time!

Good coverage, excellent customer service.

Good but high premiums.

Excellent service but very pricey.

USAA has been absolutely amazing when it comes to auto insurance!

Rates are too high for Tesla vehicles, otherwise excellent.

Not much of a discount considering the age of the car. No DUI, no tickets, no accidents, and I’m a senior citizen.

USAA is the best overall insurance company!

The insurance rates are getting too expensive.

Too expensive.

Great, no problems thus far.

They raised my monthly payment by $200.00.

Always shop around. I thought no one could beat USAA, but that’s not true. I had home and auto with them. I had a roof claim—they were quick to pay out, but I found the payout insufficient.

No tickets, no accidents, and less than 9,000 miles a year driving, but my insurance still increased by over $100 per year. USAA has sure forgotten who they’re insuring.

If you have a spouse who is not in the military or a military dependent, they have to prove who they are. This requires sending in a driver’s license and scanning their face because they won’t have a profile.

After being with them for quite some time, the rates have gone up so high.

We are both in our 70s, drive to doctors and the pharmacy, don’t go anywhere else, and pay too much.

Subpar coverage and twice as much as others.

They raised our premium by $1,000 for filing a claim. We are leaving USAA. We should not be punished for filing an insurance claim.

The policy coverage is good, but the premiums are ridiculously high.

They left me stranded for 3 to 4 hours with no tow truck. They mixed up where to pick up the car from the accident. I was treated poorly the night of the accident, and they did not call for a tow truck until I was left in the dark.

Overpriced, but that seems to be the trend. Customer service is good.

I'm a veteran who drives maybe 20 miles a week, and my insurance goes up $40 a month every 6 months. I'm 52, with no wrecks and no tickets. They don't seem to care about vets at all.

Overpriced, frequently increasing rates with an emphasis on finding exemptions from paying for losses.

I had three accidents during my entire time with the company, and how I was treated was not fair. My rates went up over 700%.

The rates are too high. They are astronomically ridiculous regardless of whether or not I've had a collision.

For the most part, the insurance has been fine. It is difficult at times if you need to speak with a customer service rep, as the company relies on AI to try and resolve issues. Claims are hit or miss, and it seems that not all representatives provide the same quality of service. Rates have consistently increased regardless of any claims against your own account. There are very few discounts for customers that have been with them for years. Rates are 4-5 times higher than other insurance companies.

Completed a 5-year surcharge. Now I have accident forgiveness. To this day, I am unable to get a fair premium not only from my insurance company but any other carrier because they want to penalize me for the surcharge that I just completed.

Insurance is a racket. No car? Need a non-driver's policy, otherwise the gap in insurance is held against you and comes with obnoxiously high rates. Bad credit? For some reason, it's viewed as a high risk and means obnoxiously higher rates. Why the premium on a 14-year-old Audi was $180/month for full coverage for someone with no points is beyond me. If anything, the premium should have gone down due to continued depreciation (i.e., replacement cost goes down).

The rates are just too high for my budget, even with discounts. I have an excellent driving record and thought the rate would be better.

USAA is more expensive than most other car insurance companies. Their customer service 20 or 30 years ago was excellent, but recently it is horrible.

I can no longer trust anyone or anything from USAA. I called to lower my rate and it worked for a month. They told me when I renew my policy it would go down to $180 a month because a ticket would fall off my record. A month later, I got a policy renewal notice saying my policy would be $320 monthly, and I had no new incidents reported. I’m going to get new insurance before the policy renews with another company, a company I can trust.

If you have no claims, it's very good. But if you have one small claim, even with no tickets and your first small accident in 70+ years of driving, they still tripled my policy fees. I'm very angry with them.

Way too expensive for someone of my age (71) who drives about 5 miles per week, if at all. No tickets or accidents in 5 years or more.

I was a victim of a hit and run. Due to the location of the damage, it was not discovered at the time it happened. When I submitted a claim for the issue, I found myself being questioned multiple times, seemingly to try to find cause to refuse my claim and not pay out. Then, upon review of my auto and home coverage, I found several key items of coverage completely missing or with an outrageous deductible.

Don't use USAA! They charge three times what others do! I'll be switching to another insurance company within the next week. And you can never get anyone on the phone!

Prices keep increasing.

Switched from USAA to The General, same coverage at half the price.

Inflexible, non-thinking, non-service providing, borderline rude agents. There was a discrepancy in driving history due to identity theft. I collected and presented my actual clear, clean official notarized history from the DMV, advising them their info was in error. I was blown off. Always looking to be cost-efficient; however, customer-centric businesses are more deserving of anyone's time and patronage. Three other companies I've inquired about caught the error and were able to provide realistic, competitive quotes.

Overpriced insurance.

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

My premium keeps increasing by $40 to $50 every six months. I feel like I am being taken advantage of due to my age.

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.

Too expensive for being a customer for over 5 years.

Costs double the price of other insurers.

For all the hype, I found their rates inflated and service mediocre. I spent the better part of an afternoon chatting with an agent who was pushing coverage we didn’t need or want, to finally land on a reasonable policy.

The rates kept changing.

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!

USAA is not flexible on insurance rates. I've been a member for 16 years and paying $2,000 per year for insurance. I've never had a claim and never received a ticket or infraction. I asked for a better rate and was told nothing was available. Now I'm looking to change companies due to high costs and low-value customer appreciation.

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

Same as any other insurance company. They used to be great when we only covered officers, but now that we cover anyone who can spell Army, the company has become mediocre and expensive to boot.

Great customer service. Rates are way too high.

You have to log in to the site to specify if you are a driver or passenger, etc. The more miles on the vehicle, the more you pay monthly. There's a basic rate, and then mileage takes over.

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.

Very unhappy. I've been with the company for years. I get no discount, and I don't think they help veterans with their high rates. I am getting lower quotes from everybody else.

They use computers extensively without regard to driving history, etc. There is no one to discuss how a rate can be adjusted, as the computer decides everything. In essence, there is no human underwriting.

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.

With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!

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.