Is USAA A Good Insurance Company? Reviews From Over 4,196 Customers

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

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

Average service, premiums are excessive, but good coverage.

Pretty good, but still way too expensive.

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 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.

USAA was the perfect fit for me. They had lower rates than any other agency. I’m retired and like to have lower rates because I drive 1,000 miles per year. So, I’ll stay with USAA as long as they are the best for people who drive less than working people.

I have had USAA Insurance for years and have never had a problem with it. When I have had to make a claim, it is handled expeditiously and the company has always worked with me. I love having them as my insurance company.

Great, no problems thus far.

Awesome company to work with.

Easy to use.

Excellent except for the rising cost.

Very good, however, the premiums are high. I haven’t looked at premiums for quite some time though.

Service is adequate.

My wife and I are in our mid-70s. Having said that, we give USAA a 5-star rating. Zero run-arounds when reporting an accident at all. And their agents that do the investigations are extremely good at their jobs. From top to bottom, they are very professional and it shows. We've been with USAA now for some 13 years. We are not going anywhere.

Very responsive.

Actually, I've had USAA for quite some time. I was looking to see if I could find cheaper and better offers, but in my case, USAA couldn't be beat. Every time I have needed to use them, they have been prompt and helpful.

USAA is the best insurance company in America in my opinion.

I must say, honestly, I like the coverage. It's just not affordable for my budget, being that I'm a disabled widow of a veteran.

Very good on customer service.

Service is unsurpassed. It may cost a little more, but service and response with yearly discounts make up for it. All personnel are responsive and professional.

The car insurance is very expensive. It is good insurance if you can afford it, but I am getting to where I can no longer afford it. I am looking around now for good insurance that I can afford and not break the bank. USAA is very good, but it's just too expensive for me.

Outstanding customer service, but the price got too high.

Outstanding. I have only had to use it once for an accident, but USAA was so helpful. I have been with them for 30+ years and lived in Rhode Island, England, as well as California.

USAA is a wonderful company. The only thing is that they are expensive. I'm going to have to find something cheaper. Insurance keeps going up.

Great! And the rate is better than any other has offered.

If you qualify, get USAA.

I have had no coverage issues.

Rates are better than some.

They're a great company - I've been with them for almost 60 years, but the price has become prohibitive compared to other companies.

USAA isn't a low-cost insurance, but they have always offered me excellent customer service over the past 35 years.

Two accidents in the last 18 months - USAA has been very supportive, timely, and understanding. Staying with them.

Cheap enough to try, given Florida's outrageous premiums.

They are excellent and I understand they are the cheapest. Over the years, many companies called with quotes, but none were cheaper than USAA.

I had a claim service problem because USAA's agent spent over three weeks searching for parts for a Toyota Avalon. Too bad I was driving a Chevrolet Avalanche. A little incompetence goes a long way.

I would rate my experience with USAA very high. If I had a question that the person I was talking to could not answer, I would be transferred to someone who could answer my question.

Ussa is outstanding insurance but too expensive.

It's getting less expensive.

USAA is top-notch, but it’s just getting too pricey for me.

Great company to work with. Competitive rates.

They have been a great company, but they are costly. However, they are available at all times.

Overall, I’m happy with USAA's plans and coverage, but I'm just looking for some cheaper options.

They’re a good company and provide excellent customer service, but their prices have gone up so much. That’s the reason I’m leaving them. We’ve had them for over 40 years!

As a retiree, we don't drive as much. Our driving records are great. We use autopay. We are looking for lower rates at this time.

Very good, reliable, steady.

I sent a friend to them who had trouble with other companies. She was very grateful when they insured her right away! They've been awesome in the past with claims, responding immediately and without a lot of questions.

Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.

Good coverage at a great price.

I have been with USAA for many years. I am very happy with them and recommend them highly.

I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.

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.

They claim to support veterans, but their prices are steep. I've experienced rate increases without explanation, despite having no tickets or moving violations.

Subpar coverage and twice as much as others.

Find someone else. They make it difficult for you to go through claims. I had them for 6 years and never needed to file a claim. The second I did, they made my process so difficult that I was forced to switch to another insurance company.

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

USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.

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).

Quoted one price, second month increase of $90.00 per month.

Make sure you are told the policy period. I had no idea and was not told that my coverage was only for 6 months. I could have stayed with my previous provider at a lower premium.

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.

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.

If your car gets a rock thrown through your main window by a homeless person that you see doing it, and you run the person away, putting your life at risk, you might think you're covered for everything on your car, especially after being insured for over 7 years (I'm at 10 years now). However, they will let you know that you are not covered. You don't have GLASS coverage. It's important to know the specifics of your policy to avoid surprises.

Rates increased, and there were no significant discounts after the initial activation of the auto policy.

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.

Way too expensive. They say bundle to get a discount but there’s really no discount.

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.

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.

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!

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!

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.

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.

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.

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.