Is USAA A Good Insurance Company? Reviews From Over 3,438 Customers

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.

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

USAA had the lowest quote 6 months ago.

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.

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!

The price is very high.

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.

The rates will increase every single policy period, regardless of your location, whether you have an accident or get a ticket or not. They will blame it on the area and needing to be able to meet needs.

USAA has been great! The process was lengthy on my complex claim, but overall splendid!

Low rates, great coverage, and excellent claims assistance.

Good but costly.

Customer service is very good, but the insurance is way too high.

My insurance is based on recommendations by USAA to cover my assets. I'm comfortable with my coverage even though it costs more than other insurance companies that cover less.

Unique and much cheaper than any others.

I have lived all over the world, and this is a great service and value!

Great coverage for a fair price.

I really don't use it except for the need to be insured to get renewal of registration.

No complaints, but I haven't had a claim in over 20 years.

Customer Care is always available.

Keep good car insurance. Your credit score matters. Finding the most reasonable car insurance company, Good Luck.

No claims, yet the price continues to climb.

They take good care of me.

Great roadside services and great in handling my claim for a broken windshield.

They've been very good to me. I just wish I could get a card to show I have insurance with them.

Good. I caused my first accident recently. There were no problems with the insurance and they took care of it. I didn't have to do anything.

USAA has been my insurance company for 50 years. I have been satisfied in the past, but in recent years they have fallen behind other companies in terms of rates for older drivers like me. I am 81 years old, fully retired, do not commute, and do not drive any distances beyond a local grocery store and my gym twice a week. Unfortunately, USAA has not offered competitive rates for people like me: a retired octogenarian who rarely drives my 13-year-old car.

It's hard to get through online and on the phone.

Initially contacting them can be a pain, but great service once you do.

The service was very slow. I had an accident in September, and after two claims, the fixes were only completed last week. No one ever called me back, and I never received any return calls from the adjuster. I will never go with this company again.

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.

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!

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.

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.

Absolutely 100% overpriced. My son (who is also a Marine) has already dropped USAA for insurance. My wife, daughter, and I will be doing the same in the new year.

Average. Ever since they expanded to all military members, the rates have increased from $100 per month for my three cars to $400 a month.

After several years of using USAA and being a vet, they doubled my cost of insurance after one small accident. I am not happy about that.

The agent gives a quote, but then the monthly rate increases, and they cannot sufficiently explain why. They keep talking about prorated charges, which they can't justify with figures.

Started out good, then prices started to increase. After an at-fault accident, my premium went through the ceiling. Haven't had any claims. Looking for a better rate.

Do not go with USAA. They changed my amount from $97 to $160, saying their rates went up. To me, that sucks. The only way my rate should change that much is if I increased my coverage or lowered my deductible, but I didn't do any of those. Am I right? Still, it skyrocketed. I had to drop down to just liability on one vehicle. Don't use USAA.

They used to be affordable, but they just keep raising their rates.

It's too expensive, period, and for being with a company since 1992, you would think that they would be willing to give me a discount for all the years that I have been with the business!

USAA insurance company is great for filing claims quickly and easily. They pay claims promptly and are super helpful. However, when it comes to truly caring about their members, it's disappointing. I have credit cards, bank accounts, my car loan, and car insurance all under USAA. Personally, after battling cancer and health issues, getting USAA to show compassion for my situation was nonexistent. They only seem to care about active duty members, which is the only group they will help in a financial crisis. For that reason, I am really disappointed in USAA as a whole. I think for the money, it's not worth it. There are other companies that will insure my car just the same for cheaper. I don't need to carry the USAA brand and overpay when they won't do anything for a member going through something catastrophic.

Premiums have risen dramatically this past year. I have had this insurance for over 40 years but need to look elsewhere.

Claims processing is efficient, but as time goes on, cost is an issue, so I’m looking to replace USAA.

Be careful, if you don't download the app, you cannot communicate or get a supervisor to assist.

Too costly for someone who drives less than 15 miles per day.

USAA has lost what it was formed to do: provide low-cost insurance for military officers. Corporate profit was not a motive. Now, exorbitant salaries are paid to executives, leading to incentives that raise member costs.