Is USAA A Good Insurance Company? Reviews From Over 4,103 Customers

They provide coverage exclusively for active and veteran servicemen, along with their families. I believe every insurance company should offer something extra for veterans.

No one beats USAA.

They addressed all of my concerns, so I stayed with them.

I've been impressed with how they've handled my situations.

USAA is a good insurance company.

Their storage program is very good.

This used to be a great service, but now I am looking for a lower insurance cost. I am making $2000 less a year. It's hard to pay $188.00 a month when I only get $1480 a month.

They are always helpful when you call, and they are respectful to the members.

USAA truly cares about their customers and goes above and beyond to ensure they are well taken care of!

They have always fulfilled my requests. I have been with USAA for 32 years.

There is no senior discount available.

Don't hesitate to follow up and express your concerns. They used to be excellent, but now they are just good. I have been a member for over 60 years.

It's been a great experience. I need to spend less money on my insurance now, if possible.

Great, I have no complaints.

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

I would highly recommend USAA to any of my friends. The employees are always courteous and have answers to any questions you may have.

Invest more in customer service and less in advertising.

They have been great over the years.

Lower the cost of vehicle insurance.

They are becoming too expensive. The rates increase at every renewal.

Great

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

The monthly rates are expensive, but the service and coverage are excellent.

Good service.

The best in all aspects.

I've been with USAA for over 29 years. They are an excellent company and I've had no problems with them ever.

Excellent. My premium increased significantly, so I needed to ensure it was competitive!

I love USAA, but they charge 1% of the value of your home for your roof replacement deduction.

They aren't the cheapest, but they are definitely a quality insurer.

I feel that the pricing is too high for just two vehicles, especially considering one is paid off.

The personal customer service is excellent. However, the automated agent is horrible.

It's not as good and it's overpriced.

The service is excellent, except for the automated system.

Since the summer of 1958, I have been overseas without any breaks. There hasn't been a problem. Thank you, USAA. - Jim

I really love USAA. I'm only considering leaving due to the higher premiums.

Excellent

I have nothing negative to say about USAA insurance. Sadly, when comparing like-for-like coverage, other carriers just have superior pricing. So, if money wasn't an issue, I wouldn't be switching. But at the end of the day, I will save $1200 a year by leaving USAA. I can only hope the customer service at my new company is on par.

Overall, I'm very satisfied. However, the constant price increases make it less competitive compared to other insurance companies.

The automated system is frustrating before you can speak to a person.

They continue to increase premiums, even without any tickets, accidents, or violations.

Excellent

Excellent, but expensive. I will be keeping them for my other two SUVs.

Generally, the service is good. However, recently they made an error by charging my direct payment account more than what was due on the billing notice. They did this without giving me any notice or reason for the additional charges. This raises concerns about their transparency.

The service is great, always willing to help. I was hoping to find a better rate, but after looking, USAA has the lowest for me.

Excellent

I was irritated that I couldn't accomplish what I wanted online, but the agent was great!

I have been a member for 17 years and their customer service is second to none! I only wish the rates for Florida drivers were lower. These employees are all class acts. I'm thankful for their service to Veterans and active duty.

If you're not a descendant of military personnel, then you can't get coverage.

Read everything, even between the lines.

I've been with them since 1968 and it's been great.

Their prices are becoming too high.

The agent was excellent.

Outstanding all the time.

I have yet to receive a quote that beats USAA!

Just call them, they are extremely helpful.

Excellent, but I have no experience with claims, which is good.

I haven't had any claims. Based on other people's experiences, I would rate it as excellent.

Everything is excellent, except for the automated answering system.

The rate increase is not good. They are not local.

It's a good company, but the price increases every year.

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.

It started out with no problems, but then the customer service gradually got worse to the point of not being able to communicate or be heard.

They're price gouging on my auto policy. I paid 1/4 of the cost with Geico.

The price could be cheaper.

Handling of claims

The premiums are too high.

I'm not satisfied with their service. They seem to consistently disappoint customers. Their services are subpar, and they lack overdraft protection. They seem to charge for every little thing. Although USAA is meant for veterans, I feel like they are taking advantage of us veterans.

I couldn't add my daughter to my insurance policy, so I will have to find another provider who can assist me.

I have USAA, but I cannot get a quote on anything. I want a quote on home and car insurance.

The customer service is horrible and their prices are extremely high!

I'm very happy with the service, but my rates are $50 to $60 higher than the quotes I'm getting from other insurance companies.

They keep raising my rate despite having no accidents or tickets.

Poor customer service.

The insurance is cheaper for me.

Outrageous rate increase!

My rate went up.

When I called to make a claim, the representatives seemed to be trained to deter people from filing a claim. They sign you up for their service like they appreciate your service to the country, but once you sign up, my auto rates were raised $150 to $200 every 6 months without any claims. When I did have a claim, even though the accident was not my fault (a bad driver ran a red light and hit me from behind), they listed the claim on my driving record because I had to use my insurance. When I called and asked about why they updated it as a charge against my driving record, the agent stated that if you file a claim and use your uninsured motorist coverage, USAA has the right to update the claim on my driving record as my fault. I asked for a supervisor and was constantly transferred to every other department except for a supervisor. Once they updated it and would not remove it, I could not leave USAA because the prices were so high due to the way they listed the accident on my driving record. I could not afford anyone else, and then they increased the premium by $300 every six months. This is the worst experience ever!

The rates keep increasing and I am not pleased with that.

The price increases every year!

I wasn't properly notified before being dropped due to my status as a dependent. I only found out I was dropped the next day.

They claimed the accident was my fault, which I disagree with, and I had to cover the cost.

They are raising my rate.