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

I have never had a problem with USAA.

I originally thought USAA might be price gouging when a surgery required me to purchase another vehicle. After getting quotes from other companies, I realized that USAA was being fair in its quotes.

I haven't needed to use USAA since I've been insured because I've had no claims.

They have always taken care of me when I needed them.

I have had USAA for over 56 years!

This is a top-of-the-line company to work with.

You've been a great company to do business with. However, I don't understand your map and that's the reason I canceled my policy.

Don't get in an accident! I had one accident in 27 years and they doubled my rate! They won't give you a break, no matter what.

It's getting too expensive.

I have been with them for over 60 years.

I've been a member for 21 years. They were a solid auto insurance company, especially in Europe. However, ever since Gronkowski became their celebrity branding spokesperson, the rates have increased. I switched to Progressive and got the same coverage for half the price. USAA, you can do better. Lose Gronk and get back to offering honest insurance rates for loyal military members.

I just filled out a comment on my home and auto insurance. What was ironic was that after I completed my comment, it read 'Find A New Policy'.

I have been with them for 25 years.

I've never had to make a claim, but I was insured, so that's fine. My only complaint is about the overall cost of insurance. I've never been in an accident and haven't received a ticket for anything other than parking in decades of driving. Yet, I need to pay nearly $300/month just to drive legally. It feels like a scam.

So far, so good.

Very good.

Good.

This is a good overall company for military families.

Excellent.

As soon as I call for a claim, it gets done smoothly and quickly.

It's a typical insurance company.

The service was good, but they wouldn't lower my rates at all. Additionally, they made it difficult to cancel my policy without defaulting on payment.

So far, I've had no claims, but it's too expensive. Despite having no tickets or accidents, I'm paying almost $200 per month.

When providing quotes, it would be helpful if the quote was given directly. It's frustrating when every company wants you to visit their website and input all the information again. This discourages me from wanting to deal with them. So, please stop the unnecessary steps and provide the quote!

Perfect.

I drive more than one car, including others' vehicles where I'm insured. I might only drive my own vehicle once or twice in two weeks. They track my travels from my cellphone, assuming I'm driving my vehicle, but that's not always the case. How do I communicate to them when I'm actually driving my own vehicle?

They start off with low prices and then increase them.

High care factor.

USAA is a great company. It provides excellent customer service.

I love USAA and have been insured by them for 35 years. Unfortunately, their rates have skyrocketed and I can no longer afford them. It saddens me that after all my years as a faithful customer, I am being forced to seek insurance coverage elsewhere.

I have always had excellent service. It's more expensive than some others.

USAA is a great company, unfortunately, the rates went up a lot!

Very good.

They performed well when needed.

Great customer care!

I am okay with USAA auto insurance.

I have no issues. I am just doing comparative shopping.

Overall, it's value for the dollar.

My experience with USAA has been excellent, quick, and easy. I've had two claims over the past ten years and both were handled with care, compassion, and ease.

It's very good, I don't really want to change.

I've been with them for 55 years, this says it all!

USAA has been great, other than the slow processing of our claim when my husband had an accident. They still haven't paid the hospital bills. I haven't had a terrible experience with them, just looking for something cheaper if it's available.

Check around for rates.

The staff is very nice. I'm new with them and have never filed a claim.

They are fair.

USAA has become increasingly expensive. We can't afford to pay over $2000 for six months of coverage.

Very good service overall.

They increased my monthly payment by $125. They only explained that everyone in VA experienced a rise. When I asked when it would decrease, they did not provide a specific time. I would like to point out that my car's catalytic converter is under the hood and attached to the cylinder head, not underneath the car.

USAA started off well, but the price has increased without any explanation. We had trouble with their driver monitoring system. It took several calls to get it fixed, and it still doesn't seem accurate.

Shop around for coverage and compare exact coverages with other insurers. Depending on your area, USAA might not be the best option.

Too expensive.

Great experience

Awesome, more than I expected.

I would like to pay my bill myself, but I can't access the payment section to make changes. They keep raising rates, and I'm forced to pay insurance on a car that doesn't run. I don't think this is fair.

I love the level of service and the products they offer, but it is becoming too expensive.

It's cheaper than anyone else, if you or your family served in the military.

USAA's Safepilot often makes mistakes. Despite this, their insurance rates remain quite high.

Awesome

The company is good, but it has become too expensive.

If you have an opportunity to work with USAA for your insurance needs, I'd choose them over any other insurance company right now. I guess it's because they have offered me better rates that no one else can beat yet!

My original insurance representative was great. However, every time I called in with questions or issues, I got a different person. You can read my file and see everything that occurred. I have been with USAA for 15 years and have always bragged about how great they were. This time was very different. I even asked if someone else had taken over the insurance department. The last lady I spoke with accused me of insurance fraud. I am not happy with how anything was handled.

The service is great. The only issue I have is that my payments keep going up. Are there any discounts for being a veteran? Is this like the VA, where if you don't ask about discounts, they won't tell you? Please let me know. Thank you.

The service quality has greatly decreased with uninterested call takers and rude responses. The insurance costs are too high for the little amount I drive. I've been with USAA for close to 30 years, and I feel that I should be appreciated rather than feeling taken advantage of.

Difficult to deal with and prices too high.

The auto and property insurance is too high.

I was lied to about the service when I cancelled. Their website doesn't have an easily discoverable place to cancel. They are much more expensive than others for less coverage.

I'm reviewing USAA based on their SafePilot app and premium invoices. The app is frustrating. For the first few months, it rated me at 99 with occasional lower scores. Then, one day, all the data changed and it continuously rates me between 76-77. No matter how far I drive, it never rates above 77. Another issue I have is with the invoice for our premium. It doesn't clearly state when and how much is due. However, my dealings with claims and other personnel have been 5-star experiences.

Hard to reach.

The rates change too often without any real notice.

The price increases are way too high for having no claims since signing with USAA in 2013!

The auto insurance is way overpriced.

Their customer service is horrible.

I was blamed for an accident that wasn't my fault.

I got into an accident that was entirely the other driver's fault. The other driver merged into my lane and totaled my vehicle, which made no sense. In my experience, USAA's service was unsatisfactory.

Despite having a clean driving record, my rate was more than double what other agencies were quoting. Even though I'm a veteran and USAA is a pro-military organization, I felt like just another customer who could be taken advantage of because of my prior military service.

They failed to pay the total amount for services I required following a car accident and car rental. I had several long, extended conversations with the car rental agency and USAA. They paid some of it, but never the full amount. Therefore, I paid for the deductible and some of the rental car charges, which was wrong. USAA did not stand by or deliver the services I faithfully paid for each month on my insurance bill. Some members of USAA were rude as well. USAA cares more about their financial welfare than that of their customers. Horrible insurance.

They towed my car to a place for wrecked vehicles without informing me beforehand. The car, an '08 Chevy Trailblazer, only had some body damage. It was in good condition with new tires, a great engine, and not many miles on it. I was under the impression that I would take it to a body shop. I just didn't like the way they handled everything.

I tried to lower my rate and drop a vehicle, but then I got a rate increase. My wife was rear-ended by another USAA policy holder. I have one ticket and have been with them for 5 years, accident-free except for my wife's incident, which was not her fault! I got a quote for $762 less a year, which will be even better when I also switch my house insurance. I'm sure I'm getting a bad rate. If they cared, they would automatically drop my rates. They did a little bit during COVID, but it was far from what I should have paid because for 4 months I drove maybe 100 miles.

They treated me with disrespect and judgment for something not relevant to my auto insurance.

They are hard to get a hold of, and they don't explain the insurance details very well. Also, their charges are always different than what you get quoted.

A distracted driver tapped my bumper, but USAA did right by me. The dealership did too. USAA did drop my premiums, but not enough.

The executive team, consisting of generals and admirals, is making operational decisions that are detrimental to the general membership. These decisions include selling investment brokerage services to Charles Schwartz, increasing auto and home insurance premiums without notice or negotiation with the customer, and paying below market interest rates on savings and CD rates.

I was left hanging on the phone for 15 minutes.

Years ago, my rate was $62 a month with no accidents and one ticket. Now, I pay $130 a month. The rates have been skyrocketing.

The customer service is not very good. The policy goes up every six months.

When I first purchased car insurance, they offered a great price. However, in the two years I’ve been with them, my insurance premium has increased twice. I’ve never been late on a payment and there have been no issues that would have impacted this change. It went from $119.00 to now $160.00.

A couple of years ago, this company started using a third-party organization to rate its members for insurance purposes based on their credit and risk. My rate jumped nearly $100 a month because my credit was impacted by a foreclosure and bankruptcy after the market crashed in 2009. Despite never having an accident and being a member for 20 years, I was told there was nothing they could do for me. Absolutely ridiculous.

It's expensive, they double charge.

I can't believe that even with all my discounts, you guys were $800 more expensive than Geico.

They changed the plan we had agreed upon, and I had to switch insurance carriers.

Like most carriers, liability rates for very experienced drivers are outrageous. Despite having no citations for many years and no major citations ever, it seems like there might be Red Lining in certain areas. I remember when rates for collision were higher than liability. I suspect Las Vegas is a target and drivers like myself have to pay through the nose. I feel like I have no choice. They're all the same. Liberty Mutual spends big bucks on advertising, but won't even give me a quote. It's amazing to me the billions that are spent annually on advertising for my auto insurance.

Looking for new insurance. I'm disappointed that you call yourself a military insurance provider, supposedly to help us save money. However, all you are doing is raising my rates, despite the fact that I've had no tickets or accidents for over 4 years. You should be lowering my insurance, not increasing it. I'm also not a fan of your security questions. You don't know my daughter's age and phone number, so how is this relevant to security questions? It seems like you just want her contact information. She's not interested in your services because of how you've treated me and overcharged me. I've found cheaper insurance for $60.00 a month, compared to your high charge of $130 a month. I plan to share my experience with your company on social media.

They talk fast and charge too much money.

My insurance premium went up by 100%.

House insurance price

The customer service in claims is lousy. It's too expensive in cost and deductible.

They are not very knowledgeable about how different states handle car insurance.

They are overcharging me!

First off, the name is not Ted. The hold times were way too long! The computer was down and I had to verbally approve five questions, which was annoying. It took forever to get to the right department. The only good thing was that the agents were nice.

They were rude to me when I made a no-fault claim. I was given incorrect information and no options. Thankfully, the claim was paid by the responsible party.

There's a lack of prompt response after an accident and the price increases every 6 months.

They increased the insurance from $163 a month to $246 without any warning or communication. There was no valid reason for this, so I am looking for a better insurance company.

They keep raising rates.

Customer service is not handled well.

They canceled my policy due to an outstanding $15, then wanted to raise my rates for a new policy.

I am really disappointed with USAA. Last year, they raised my payment for no apparent reason. Now, they want to raise my payment because of a claim, which is absurd. They say I am a risk, despite the fact that I have never been in an accident in the 42 years I have been driving. I have three cars insured and two houses. I will be looking for another insurance company that is cheaper. I am very disappointed, as I thought USAA helped disabled vets.

My husband had a couple of tickets, including a DUI, and the company raised my rate, which I do understand. I had insurance for the next three years, then the company dropped my policy, citing my household's driving record. However, they covered my vehicle for three years after my husband received the other tickets.

I had full coverage. Then I was in a car accident. I found that their app had a glitch that removed my collision coverage. They claimed that their IT team's investigation revealed that I had declined the collision coverage in the app. However, I had everything else for full coverage. When I asked when this supposed change happened, they said October 20, 2018. That's the day I bought my brand new 2019 Kia Soul+. What they interpreted as me declining coverage was actually me adjusting my deductible to $1000. The app glitched, but they blamed me for their mistake. Now, I have to pay $3100 to get my brand new car fixed. They didn't cover the repairs from the accident, even after I proved that it wasn't my fault. My father has been a loyal customer of their insurance and banking services for over 20 years. I was required to have full coverage to leave the dealership. They didn't listen to me and seemed to just not want to pay. I am extremely frustrated with them and feel like they're taking advantage of me.

They provide inaccurate quotes. Then, they send me a letter questioning my quote after I've signed up.

Very costly

The rates keep increasing every time I renew.

The customer service is not good.

There have been several incidents with USAA that I'm not happy about.

Little service and increasing costs each year.

They are charging me too much for one car, even though I'm on a fixed income.

Bad customer service.

The price is too high. The road service is awful.

Their customer service staff is not up to the mark. It seems like they insure you hoping that you won't actually need to use their products, and then they drop you once you do. They certainly don't stand by soldiers and their families.

The rates are constantly increasing.

They are overpriced and overvalued.