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

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.

USAA gave me a favorable price over the competition, and I’ve been with them for 1 1/2 years now.

As a disabled veteran, I find USAA’s premiums to be too high.

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

I have had no claims, so there is no new information to share.

USAA had the lowest quote 6 months ago.

I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.

Prices are too high. Military members and their families should get cheaper rates.

Good, cheaper than other quotes.

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.

The insurance is fine, but it's the other corporate decisions that have me looking for another carrier.

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!

Too expensive, but they are very good at processing claims. Very dependable.

The price is very high.

USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.

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.

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.

USAA constantly doubles rates for no reason. I feel they are a scam. I just got a quote for greater coverage for 1/3 the cost from a major carrier.

I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!

Shop around. USAA increased their rates every year even though we had no claims and are excellent drivers.

Better than most, but charges too much sometimes.

They offer big discounts but then raise your rate by the amount of the discount, so they don't really give a discount.

I have been with USAA for years and the cost is very high compared to others. I am seriously thinking of changing.

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.