Is USAA A Good Insurance Company? Reviews From Over 4,316 Customers

All good so far.

Very professional.

They’re actually a great company to work with, except for the price.

The only problem I have with USAA is that they claim to be for veterans, but they’re also the highest-priced insurance company.

It’s okay. I wish we could get USAA back.

Amazing.

Don’t get oversold on limits or coverages you don’t need.

No real problems. However, there is a communication issue between USAA and Kentucky regarding insurance, which resulted in having to purchase new plates.

USAA is there for all your insurance needs, and you couldn’t have a better company behind you.

My rates went up even though everything stayed the same. Not happy.

Excellent.

I’ve been a dependent member since 1962 and a full-fledged member since 1967. The service isn’t as good or as fast as it used to be. It’s more difficult to get speedy answers and support.

They are great, but the rate is high.

Not all phone representatives are experienced. If you're not satisfied, call back and try again.

Expensive, although I’m grateful for their care! I’ve been with them for 22 years. Sad to say, I need to find cheaper insurance rates with the same coverage. Love you, USAA, but I can’t afford you anymore!

No issues with USAA; it just got too expensive.

Very good results for me!

Too expensive.

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.

Responsive to my request to review my policy and see if a reduction was possible.

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!

Representatives always listen to your questions and provide helpful answers.

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.

Customer service is thorough and great. Rates were competitive, if not better than most, but that’s no longer the case.

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

It’s too expensive.

They’re strict but fair. My only complaint is accessibility. I can’t afford a smartphone, so it’s impossible to talk to a real, live human when I need to.

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

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 was with AAA until I learned that USAA canceled my policy on August 24. I don’t recall ever giving them the right to do that. However, I was told that I had two accidents listed on my MVR, which caused my premium to increase from $132 to $289 per month. That’s more than I could ever imagine. I’m a senior citizen on a fixed income, and this is really going to make things very hard for me financially. The accident listed as “minor” was appealed, and I was found not guilty. The “major” accident was caused by an uninsured driver. It’s my hope that a way can be found to lower my rate. Also, while I was shopping around before USAA, I was told that this policy will lapse on September 11. Could someone please let me know if that is true as soon as possible? Thank you.

Their communication is terrible, but if you talk to someone on the phone, they’re helpful.

Too expensive for what they claim to do.

Fortunately, I haven't had to use it, but so far it's affordable and hassle-free.

Don’t get into an accident—your rates will soar.

I’m put off by their rates. I joined them because I thought they gave an edge to veterans. I’m not sure they aren’t taking advantage of us.

They raised my monthly payment by $200.00.

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.

We had a roadside issue with the battery. Over 30 minutes later, we were still getting, “Please hold for a few more seconds”! The representative constantly needed more info that was already on file. We finally hung up and called a wrecker service. Problem solved in 15 minutes. We’ve been with USAA for over 10 years. I’m canceling as soon as I get a comparable offer for home and auto.

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.

If you want to talk to a person or communicate with them during a claim, you likely won’t hear anything from them, so it’s best to avoid this company.

I was very disappointed with the customer service I received from a representative at your company. She put me on hold several times, and the last time I was on hold for 15 minutes. When I asked why, she criticized me, saying I wasn’t the only person she was helping. I was calling to buy more insurance, but now I’m just waiting for my coverage to expire so I can change companies.

They’re awful. They’re supposed to be for veterans, but they raised my insurance to over $3,400 when other places I called quoted around $1,000. Can someone explain that to me?

While claims during a recent accident and subsequent repairs went smoothly, I'm finding I can get the same coverage for a little over half of what your company charges. Being on Social Security, cost is a paramount concern, making every dollar work. What reason can you give for me to stay?

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.

USAA has been a nightmare to deal with. It took three separate phone calls to customer service to set up auto-draft! And even then, they simply withdrew whatever dollar amount they decided was appropriate for that payment, even though it was twice the amount! Their explanation is that there was some sort of shift in the policy price and/or they took out twice the amount to compensate for a "missed payment," even though I'm set up on auto-draft! Absolutely horrible company.

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.

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.

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.

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.

When I first got on with USAA auto insurance, they were forthright about what they could do for you, and their cost for insurance was unbeatable. However, in the last few years since they have brought on their CEO, the cost of having USAA insurance has no benefit to it whatsoever. They still have good customer service, but on the financial side, they have gotten overly greedy.

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.

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.

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.

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.