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

I have always had good experiences with Progressive. I would advise any friend to go with Progressive.

Very good coverage, quick and courteous service. Premiums are too high. Increases with last 3 renewals, no changes in driving record.

Fair pricing and good customer service, if you can get through the AI phone system to reach a real person.

Average service, premiums are excessive, but good coverage.

Pretty good, but still way too expensive.

They are great. Bundling everything keeps costs low, and the satisfaction of having everything with good customer service is top tier. Sometimes they aren't the cheapest, but it's worth it most times.

Customer service is excellent. However, it is expensive.

Move out of or stay out of California; it's an insurance rip-off and joke. It doesn't matter if you have a pristine driving record (like me, 30+ years as a licensed driver, zero tickets, zero accidents, zero claims - still screwed!). As long as there are people encouraged to break the law, you're going to foot the bill. First and foremost, be a responsible driver, drive defensively, pay attention, and keep your head on a swivel. Understand that no one else out there cares about you, your life, your vehicle, or your money, so you have to do right by yourself and your family alone. My next best advice to help ensure you can have your own back, because not everyone can even qualify for USAA (but if you do qualify for USAA, bar none, there is no better insurer out there, period!), is to figure out how to self-insure. Pay the premiums to yourself, invest in a no-touch type of account to accumulate your premiums and get an actual return on that investment. Then, if the worst-case scenario happens and you need to handle business, guess what - you can pay for it yourself. Your claim won't be denied, and your rates won't go up if, God forbid, you get in an accident, nor will you be denied coverage. These days, you're going to foot the bill, one way or another, most likely for you and the other party involved, so you might as well be your own insurer and quit paying premiums to another company who will forget that you've been footing the bill for all these years with no claims the moment you actually need them.

I went with John, who helped me with everything. Outstanding job, well done!

They are great! I don't have a bad thing to say about them. I just wish that the price of insurance, whether with them or someone else, would be cheaper.

Excellent options and service, but continue to check options that may be cheaper.

The lady I talked to was very knowledgeable, patient, and professional in every way. The only problem I have with all insurance companies is that I can’t drop comprehensive insurance without dropping collision. It seems like a tactic by insurance companies to take more money from people who don’t need comprehensive coverage. I’ve lived in my house for 20 years, and the chances of my car getting stolen are really slim. There are no trees close enough to fall on and destroy my car. I live in the city and seldom drive at night, so my chances of hitting a deer are very slim. My car is completely paid for and not financed, so why can’t I drop comprehensive coverage? I don’t need it and haven’t for a long time!

Good coverage, excellent customer service.

Good but high premiums.

Excellent service but very pricey.

USAA has been absolutely amazing when it comes to auto insurance!

Rates are too high for Tesla vehicles, otherwise excellent.

Not much of a discount considering the age of the car. No DUI, no tickets, no accidents, and I’m a senior citizen.

USAA is the best overall insurance company!

The insurance rates are getting too expensive.

Too expensive.

I have had USAA Insurance for years and have never had a problem with it. When I have had to make a claim, it is handled expeditiously and the company has always worked with me. I love having them as my insurance company.

Great, no problems thus far.

Awesome company to work with.

Easy to use.

Excellent except for the rising cost.

Very good, however, the premiums are high. I haven’t looked at premiums for quite some time though.

Service is adequate.

My wife and I are in our mid-70s. Having said that, we give USAA a 5-star rating. Zero run-arounds when reporting an accident at all. And their agents that do the investigations are extremely good at their jobs. From top to bottom, they are very professional and it shows. We've been with USAA now for some 13 years. We are not going anywhere.

Very responsive.

Actually, I've had USAA for quite some time. I was looking to see if I could find cheaper and better offers, but in my case, USAA couldn't be beat. Every time I have needed to use them, they have been prompt and helpful.

USAA is the best insurance company in America in my opinion.

I must say, honestly, I like the coverage. It's just not affordable for my budget, being that I'm a disabled widow of a veteran.

Very good on customer service.

Service is unsurpassed. It may cost a little more, but service and response with yearly discounts make up for it. All personnel are responsive and professional.

The car insurance is very expensive. It is good insurance if you can afford it, but I am getting to where I can no longer afford it. I am looking around now for good insurance that I can afford and not break the bank. USAA is very good, but it's just too expensive for me.

Outstanding customer service, but the price got too high.

Outstanding. I have only had to use it once for an accident, but USAA was so helpful. I have been with them for 30+ years and lived in Rhode Island, England, as well as California.

USAA is a wonderful company. The only thing is that they are expensive. I'm going to have to find something cheaper. Insurance keeps going up.

If you qualify, get USAA.

I have had no coverage issues.

They're a great company - I've been with them for almost 60 years, but the price has become prohibitive compared to other companies.

USAA isn't a low-cost insurance, but they have always offered me excellent customer service over the past 35 years.

Two accidents in the last 18 months - USAA has been very supportive, timely, and understanding. Staying with them.

I had a claim service problem because USAA's agent spent over three weeks searching for parts for a Toyota Avalon. Too bad I was driving a Chevrolet Avalanche. A little incompetence goes a long way.

I would rate my experience with USAA very high. If I had a question that the person I was talking to could not answer, I would be transferred to someone who could answer my question.

Ussa is outstanding insurance but too expensive.

It's getting less expensive.

USAA is top-notch, but it’s just getting too pricey for me.

Great company to work with. Competitive rates.

They have been a great company, but they are costly. However, they are available at all times.

Overall, I’m happy with USAA's plans and coverage, but I'm just looking for some cheaper options.

They’re a good company and provide excellent customer service, but their prices have gone up so much. That’s the reason I’m leaving them. We’ve had them for over 40 years!

As a retiree, we don't drive as much. Our driving records are great. We use autopay. We are looking for lower rates at this time.

Very good, reliable, steady.

I sent a friend to them who had trouble with other companies. She was very grateful when they insured her right away! They've been awesome in the past with claims, responding immediately and without a lot of questions.

Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.

I have been with USAA for many years. I am very happy with them and recommend them highly.

I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.

It is good but expensive.

Great customer service. Rates are way too high.

You have to log in to the site to specify if you are a driver or passenger, etc. The more miles on the vehicle, the more you pay monthly. There's a basic rate, and then mileage takes over.

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.

Very poor experience. I had a car with 60,000 original miles, like it came out of a showroom, and it was totaled. They compared it to the same car with 238,000 miles, and no amount of talking and explaining would change their mind. I lost thousands of dollars! On top of that, because I was challenging them on the price they wanted to give me, they took the rental back or were going to charge me a higher price than I could rent it myself, although I pay extra on my policy for them to provide a rental to me in case my car gets disabled!

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.

Very unhappy. I've been with the company for years. I get no discount, and I don't think they help veterans with their high rates. I am getting lower quotes from everybody else.

They use computers extensively without regard to driving history, etc. There is no one to discuss how a rate can be adjusted, as the computer decides everything. In essence, there is no human underwriting.

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.

With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!

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!

Switching to Progressive from USAA, we saved $600 per year. USAA wasn't willing to match. So far, so good with Progressive, but it's only been a couple of days. They are sure to raise rates eventually, just like every other insurance company.

Check around, many are cheaper and offer the same as USAA.

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.

Pricey increases annually, especially in home coverage.

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 claims, so it’s up in the air. They love to raise rates—yeah, you all do. I’m not going to have insurance once I pay off my Jeep. Some of us on a fixed income can’t do it. A lot of my friends don’t have it.

The plans were very complicated to understand. I was told my premium would be $32.00/month, but I’m paying $47.00/month.

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.

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.