Is USAA A Good Insurance Company? Reviews From Over 3,604 Customers

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.

They take good care of me.

Great roadside services and great in handling my claim for a broken windshield.

They've been very good to me. I just wish I could get a card to show I have insurance with them.

Good. I caused my first accident recently. There were no problems with the insurance and they took care of it. I didn't have to do anything.

USAA has been my insurance company for 50 years. I have been satisfied in the past, but in recent years they have fallen behind other companies in terms of rates for older drivers like me. I am 81 years old, fully retired, do not commute, and do not drive any distances beyond a local grocery store and my gym twice a week. Unfortunately, USAA has not offered competitive rates for people like me: a retired octogenarian who rarely drives my 13-year-old car.

It's hard to get through online and on the phone.

Initially contacting them can be a pain, but great service once you do.

The service was very slow. I had an accident in September, and after two claims, the fixes were only completed last week. No one ever called me back, and I never received any return calls from the adjuster. I will never go with this company again.

I have had USAA Automobile Insurance since 1963. Great company!

Have your proof handy when you apply; they do require documentation. If you're a relative, they will work with you on getting the documentation.

Great but the price is a bit high.

USAA is very customer-oriented, and I always feel attended to when I interact with them. Their staff is knowledgeable and caring, focused on helping me get what I need. I've been a customer for close to 60 years and I wouldn't go anyplace else.

Some people claim their rates have increased. They have, but so did everyone else. USAA may not be the cheapest, but they are not the most expensive either.

I have no issues. They did everything to protect me in an accident.

Great, just expensive.

No other company has come close to the rates that I pay.

It's great. I have no problems with them and would tell my friends if they want an insurance company where they can speak to a human, this is the company to go with.

I assume it is like most others. USAA is, of course, offered to military personnel, retired military, and their families. Since my bill has skyrocketed to $1,459, I have been upset that my car costs that much to insure. I have had this car since January 2016. I haven't had any accidents, I don't drink alcohol, and my car mostly sits in the garage. It has approximately 67,800 miles on it. My bill is up over $200 from last year and the same for the year before. I just don't understand. Make of it what you will.

You are pricing yourself out of the market. I don't know how much longer I will be able to continue with USAA.

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.

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.

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.