Is USAA A Good Insurance Company? Reviews From Over 3,322 Customers

Customer service personnel are polite, courteous, and very professional.

Excellent in all respects. I've been with USAA for over 5 years and haven't had a single issue.

The cheapest insurance I can find. Others are over 100 bucks a month more.

Very professional.

Expensive but with excellent customer service.

Great insurance company that makes the claims process easy.

Because of two claims in May-June 2024, my premium has skyrocketed. It sounds like they don't want senior citizens as policyholders, and I have been with USAA for over 55 years!

I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.

I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.

We have had no problems with USAA. It is easy to communicate with them, and we can easily access them.

USAA seems like the least expensive option available, but they still pad the coverage charges extremely generously. It seems being an insurance agent is a lucrative occupation if you're a good liar.

Very good experience overall!

Very good.

Everything is excellent except for the cost. The primary car was reclassified and the rate increased.

It is okay, but I think it is a little expensive.

Like most companies, their communication skills leave something to be desired. A number of times I had to call back repeatedly to check on my claim and find out where my vehicle was located and if I could gain access to it.

Very good service and helpful.

Good company, but costs keep going up.

So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.

Professional and knowledgeable company that seems to put the customer front and center.

I would strongly recommend USAA to any military professional. I have, in fact, done so in the past.

Great value, excellent service.

If you qualify, USAA is great at a decent price.

Love USAA. The only problem is that they are way too expensive.

If you can get a decent rate, go with USAA.

Very satisfied

I've only had one claim in over 12 years, and it was handled with exceptional professionalism.

Fine, it's just too expensive.

They are easy to deal with. Efficient, pay quickly. No hassle.

Great company! They have insured me for years with excellent service.

No complaints. I've been with USAA for a very long time, and their prices are fair.

I have been and continue to be a member for over 40 years. Apparently, there is a disconnect between their auto rates and market reality, unfortunately. I would never have changed if it were not for the ONE HUNDRED PERCENT higher cost with the same coverage from Progressive. I will be writing to Mr. Juan Andrade, CEO, to make it abundantly clear that someone in their actuarial department is not doing a remotely good job. Extremely disappointed.

I've had USAA for a long time and have received excellent service over the years. I recently got quotes from other companies, and no one else could provide the same coverage at the same rate. Not even close!

The best insurance company in America!

They have been very good with me.

It's too high.

Customer service is great, awesome, super, and amazing. I guess that is why the price/cost is so high.

Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.

Lowering car insurance rates!

I have both auto and home insurance with USAA, and they are great!

Excellent experience, but the price keeps rising. Checking if that's justified.

They are the cheapest of all, if you qualify. All auto insurance rates are untenable since the border situation.

Bri was unusually competent, friendly, and willing to help me understand the situation with my USAA insurance cost increases.

Always had a good experience when dealing with them.

Quick response, friendly, easy to reach when we are traveling in a foreign country.

Until my divorce, USAA had been wonderful.

Helpful

USAA is a top-shelf insurance carrier. They are amazing at customer service. They are really about the members, and I've had things happen during claims where USAA literally added policy coverage after the fact, after I called in the claim, without adding to the premium.

I have been with USAA for decades. Except for higher monthly premiums, this company is wonderful. I wish for better discounts for senior citizens. I am 80 now, and my budget is tight. I still would recommend USAA to anyone.

If a friend had any kind of military background, I'd definitely recommend they try USAA. For me, they have beaten every quote I've been given so far, hands down.

Great experience, except for the pricing. Two vehicles, both Liability Only minimum policies, one minor incident (hit by another vehicle, no injuries, 2 years and 10 months ago) still almost $100 for coverage with low yearly mileage.

I hesitated on calling and getting them to lower my insurance expense; that was a mistake. They already had both my auto and home, and I should have called them first. I had already been in touch with four other companies when I called USAA. The USAA agent saved me money, completely reviewed my policies, and did it treating me with dignity and respect.

If you or a family member is or was in the US military, active or honorably discharged, USAA is a great option. They are rated number one in claims processing. They tend to be a little more expensive than other insurance companies.

I have been with USAA since I was 17 or 18, and it has been a blessing.

Everything went well with registration and the delivery of the insurance policy to my home. The representative was very informative.

They have increased their rates! I have been with them for 35 years.

Easy and affordable.

Safe driving discount.

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

Outstanding service every interaction!

I do not care for their big brother approach. They monitor your hands-free phone calls and deduct points for talking, which affects your premium. They also took my average miles driven per year and divided it by 12. If I go over my monthly allowance, I pay more for my next premium. Ridiculous!

Worsening service for increasing costs.

Find someone else. They charge more for nothing and will raise your rates for anything, even if it’s not your fault.

Expensive. They are decent if you are in an accident - they arrange a rental (if you have that coverage) and contact the other driver's insurance, and manage the claim. Homeowners - they don't cover wind nor flood (found this out the hard way after the agent neglected to tell me after I returned from an overseas assignment).

USAA's auto insurance is higher than other insurance.

I'd say they are great at collecting premiums, but not so great with claims. Be sure you do your own research and record the information the representative explains to you. It does not necessarily mean your policy reflects what you're told by the agent.

They are easy to use. They offered 80% when my car was a total loss, twice.

Discounts only apply if you drive a certain number of miles each month that they require. I'm a disabled, service-connected veteran, senior citizen and don't do any unnecessary driving. USAA took away my discounts and increased my premium. I'm 65, have no accidents ever, am a non-drinker, and non-drug user. My car is 10 years old now, so I dropped full coverage. My monthly payment went from $176.00 to $76.00. After losing my discount, my monthly payment went up to $108.00.

Look for every discount you can. The cost is very high but lower than others in my market. I only drive 85 miles a week, which costs over $120 a month.

USAA is extremely difficult to deal with. They will ask you an assortment of questions to verify who you are, but you can never seem to get verified, so you cannot actually talk to a live person.

I had my debit card hacked, and the bank had to create a new account, which caused all of the autopayments to be rejected until I got a new card and account number. Since it was a hack used to purchase bitcoin, the bank fraud investigators took longer than normal to get everything switched over. Just about every company was great about the failed charge once they heard about the reason. Not USAA. They sent major emails the second the charge was rejected and kept piling on. I called them, and they were unapologetic and rude. I asked them if they kept track of how long a person has been a customer. They told me I had been a customer for 37 years. They could not have cared less and then started trying to intimidate me by asking if I was still active duty and needed to update their records with this info, which they had for 25 years. They have poor customer service and high rates. Not the company they used to be. They were the only company I left through the whole experience. I would not recommend them, especially after all of the fraud that has come out of the company in recent years.

Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.

My policy dropped, but on the first renewal, they raised my monthly payment.

I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.

Thirty-plus year member. Love the distribution at the end of the year; not impressed with the steady increase in premiums, especially since I’ve had only two claims since I joined, neither very costly to USAA. I’m looking for less cost and much better customer appreciation.

Insurance is much too high but lower than others I've priced. Service is excellent and flexible, and the policy is good for full coverage, just too darn expensive.

USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.

Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

More reasonable prices.

Customer service is pretty hands-off. Our homeowner's policy went up a huge amount this year. I'll need to go shopping again, which is not what I like to do.

Their rates have gone up significantly, and as a result, I will be looking at alternatives.

The coverage rates have gone sky high. It's ridiculous. For one vehicle that's 5 years old, I'm paying $1000 for 6 months.

I tried to get help with our new car after a gravel truck carrying large chunks of gravel or concrete lost some, hitting several vehicles, including mine, while traveling down Interstate 35 through Austin, TX. There was no stopping as traffic was moving. I got pictures of the truck and cars, contacted insurance customer service, and still nothing! It seems even advice can't come without a price these days, and the monthly payment isn't cheap! So, I'm still driving around with a broken windshield and large dents in the hood and side of the car. I guess I was at fault for driving behind this truck on Austin's roadway.

I am a decorated Air Force veteran with no tickets or accidents in over 50 years, and I was charged $1400 for six months for full coverage. This seems very high for someone with my record.

Their customer experience is second to none, but their coverage is almost double that of Progressive.

The monthly rate is way too high for someone with my very good driving record. Insurance rates should not be allowed to be based on credit ratings.

Generally good, however, lately premiums have gone up.

They told me one price, then when I got the bill, it had doubled or tripled.

After I paid off my car that was financed with them, they did not let me know I could reduce part of my coverage to save money. They let me pay for coverage that I did not need for three years. When I finally caught it, their reps were clear and upfront: USAA has no responsibility to make sure that my coverage was correct. So I overpaid more than $3600 in three years and they told me too bad. So much for looking out for service members.

Very poor. I would never go back to them. They raised my rates by $30 to $50 every six months.

All done on the computer. Have not had any face-to-face or telecommunications with people. USAA wants to monitor personal driving habits of an individual who drives just about 30 miles a week, is an octogenarian, and rarely goes out. If there is no response to their monitoring, they hike the insurance rates automatically for "lack of monitoring."

It was cheap until I went in the ditch and actually needed my insurance. They doubled my premiums.

Search for a lower price if you have a great driving record and payment history!

Prices keep rising, but no claims have been filed.

They were really nice but way too expensive for the product offered.

They gave me a price 6 months ago and raised it over $300 this 6-month period. Guess they got my money. Not just USAA, so no breaks for people that have their cars hit while they sleep?

It's great for starters. I get the impression that the longer you subscribe to USAA, the more you are taken for granted.

The coverage and pricing are now average. They used to be outstanding.

They are not what they used to be since they opened membership to the Enlisted. They spend too much on advertising, for example, the deal with Kansas City. I am not sure about their objectives these days. It seems that they are targeting anyone who is even vaguely related to a military member. My father was a Navy Officer, and I am a Marine Corps Infantry Officer. I meet people who have no clear idea about the Military, yet they are considering USAA insurance. However, when they check the costs, they find them far higher than the competition. I am unsure why I am still a member. My friends tell me to wait, but I think that the change I am waiting for will never happen. I have been a member for 40 years, which is too long.

The policy is always high.

I was told I couldn't get a discount because I didn't drive my car enough.

I drive about 800-900 miles a month and I have to look for a different company for better rates. I believe that I have found a better deal at half the price.

When I called to inquire about a bill I received, I was asked to enter my password and pin. I was informed that it was incorrect, and then I was asked to create a new one. Even after doing so, it still didn't work. After providing my name and policy number, I was told they couldn't access my account because my new pin wasn't functioning. Yet, they managed to send me a bill. I'm concerned about the potential difficulties if I ever need to file a claim, as it seems they don't have sufficient information about me.

I've never had another insurance company, but I think USAA is wonderful. I don't believe other companies would do what USAA does. No company does what they do.

I used to be a huge fan of USAA and saw all their products as nearly infallible. However, in the last few years, my experience with them has soured significantly. The constant increases to my policy cost with very poor justification has become incredibly frustrating. Especially as they've said they intend to charge me a fee unless I opt for paperless statements and automatic payments. This feels like a veiled threat, which I do not appreciate, especially after years of loyalty to them. It's one of the reasons I'm switching. USAA has deeply disappointed me and it will take a lot for me to consider them ever again.

The discount isn't as significant as you might think!

I've been driving for over 53 years with no bad record. One mistake of not putting my brakes on to stop, and you punish me for the next 3 years. I am 80 years old and on a fixed income. I do not like it at all.

The online and mobile app experience is horrible. They need to overhaul the UI/UX experience. Also, they increased our prices every year. After only two years, our premiums were 72% higher than when we started.

Far too expensive.

I've been trying to get my house fixed for seven months now. It's their responsibility to repair the damage they caused when they took half of my house apart, but they haven't made it right yet. I'm still working on getting the house fixed. Based on my experience so far, I can't give them a good review and I won't be recommending them to anyone else.

Don't expect a discount if you remove a driver!

The agent was difficult to deal with. Their price was much higher than others, even though I'd been with them for several years.

The customer service representative was slow, rude, and negligent.

The insurance is expensive.

They are expensive, but what isn't today?

Too expensive.

I wouldn't recommend them. They are refusing to cancel our auto insurance even though we have sold the car!

I received a speeding ticket a year ago, which was the first ticket I've ever gotten in over 50 years. I also made a separate claim to repair my vehicle after an incident with road debris. My insurance rate increased by $1,000!

The service is very poor and lacking.