Is USAA A Good Insurance Company? Reviews From Over 3,317 Customers

I have had only one incident with home insurance, and they were excellent. They paid all claims regarding smoke damage after a fire below me in the condo.

Fast prompt service.

Great customer service.

They are a little pricey, but their product and service are excellent. In over 40 years, my family and I have always been satisfied with USAA.

Experience has been good. Pricing seems a little high.

Good, great communication, fast claims, great agents.

Excellent. They are an outstanding insurance company. It is my financial difficulties that caused the problems with USAA and their major increase in premiums. Otherwise, I would not even be looking for alternate coverage.

First-class service, dependable, responsive, high ratings, genuinely caring about client satisfaction.

Savings are fantastic.

My experience is good other than the way USAA DriveSafe works! Hard braking is unfairly recorded; there are times when other drivers cut a person off and cause hard braking.

I am having trouble setting up the online app, but that’s on me. The customer service is great!

Overall good rates.

Shop around; they have become expensive in comparison. I had a claim and told the adjuster they were being overcharged by the shop, but the adjuster would not listen and paid the higher charges.

Great service. Always available to answer questions. Quick email responses. Very good customer service.

All good except for rate increases.

USAA is the best value for money in the insurance market. Their customer service is excellent.

I'm a 68-year customer. That should tell you everything.

Exceptional. It would take major savings to get me to switch.

Absolutely wonderful! 60 years of great reliability.

Excellent, especially customer service.

Super for 55+ years.

A good company for military personnel and veterans.

Excellent customer service. Prompt. Answers questions clearly. Pricing is better than most insurance companies.

Top Notch! Best Insurance for Veterans!

They offer a savings account, but you end up paying for it with higher premiums.

They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.

They're very customer-friendly. They offer the most bang for your bucks!

Prices are in the range of other top-rated insurances, but the coverage is superior and the service is better. You don't have to wait days for an adjuster. They also pay quickly to top-rated businesses.

When a claim is made, USAA will settle the claim in a fast and reasonable manner. They have your back.

Great service, too high premiums.

Very easy to work with.

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Expensive for coverage.

Good, but expensive.

It is good, just looking for a cheaper rate.

Very high priced, but good coverage.

Difficult to reach.

Increased prices too much recently.

Great! They are very attentive to my needs!

I have over 50 years with USAA, which reflects a certain level of satisfaction.

Rates keep climbing.

My two pickups are only driven by me, but I am charged more for the second pickup as if there were additional drivers.

Very happy overall, with the exception of cost increases.

I've been with them for ten years now and I've only had one claim. Now I'm being treated like a convict.

Simply outstanding. The best auto insurance on the planet. But their prices have been going up.

Good customer service, but the cost is always increasing.

No problems. Great all around.

After researching car insurance, USAA came out on top. The prices and the coverage can’t be beat, along with little extras like towing and rental car reimbursement. It’s the one you should pick first.

I love the insurance, but we now pay double per month compared to what we did just 2 years ago (and we have clean records).

Always courteous and professional.

Great and cheaper than others!

USAA has always been a great insurer. Currently, I feel their cost is on the high side, so I thought I'd view the competition.

I found USAA to be the best. I have been with USAA for over 40 years and plan to stay. It has

Great service

I have been with USAA for over 20 years and they have always met my needs. I recommend them to anyone who needs their services.

They are expensive and their prices are increasing.

First, not everyone can join USAA, but the pricing is very good. Today, I went to Farmers and it was eye-opening. Very happy with pricing and customer service.

Overall, it was good. However, the process of claims and the general quality have declined. Verification for everything has become slow and cumbersome.

Great company but expensive.

They raise the rates really high even though you've been with them for years and have only had one minor accident.

There's no flexibility if you're more than three weeks late on payment. Your policy gets cancelled and reinstatement is expensive. However, their customer service is great. But when life happens, like an injury, they wouldn't give me four more days to pay after the three weeks. I checked around and their prices are on the high end. I've been with them for 30 years. So, it really depends on your needs.

Every single policy period, USAA increases my rates even though I have no accidents, tickets or violations in the last 10 years. USAA charged me for two vehicles I own, but were not registered for at least 5 years. When I brought this to their attention, they did nothing about reimbursement. Last policy period, I was paying $136 per month. Next month, they are expecting me to pay almost $300. I have spent too much time on the phone with them about my rates. I have been a USAA customer for over 20 years.

They are unsatisfactory in handling home claims. They seem to side with questionable contractors and don't pay adequate attention to the veterans. Both the claims adjuster and the mitigation company seem dishonest. I had a very negative experience.

USAA has always been quick to respond. However, they don't really fight for their policy holders.

The pricing settlement for older vehicles in good condition is very poor. As a master technician, I keep my vehicles in excellent condition. However, when I had an accident, my high-mileage vehicle was undervalued, not considering its mechanical condition. Despite replacing most of the drivetrain components, suspension parts, and the A/C & heating components, my vehicle was valued thousands of dollars less. I was denied the proper settlement I was due. I repaired all the damage post-accident, finished the cosmetic issues, and even repainted the entire vehicle. I sent pictures to claims to verify the upgraded condition. Unfortunately, it seems most insurance companies use similar tactics to obtain a good salvage price, and they are quick to total vehicles, thereby robbing their customers of the true value. Apart from not having a local agent to discuss these issues, I remain a customer of USAA, even after they raised my homeowners insurance by over $2500 in one increase. This is a tough pill to swallow on a fixed income.

Every couple of years, they raise the premiums and lower the coverage.

My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.

When I started with USAA, it seemed like a good company with plenty of benefits. However, they've now shifted away from valuing the customer and accommodating their needs and wants. They've focused more on the company's benefits and less on the customers'. There are better credit unions and financial institutions out there. USAA has declined in terms of services and affordability.

It's too hard to communicate with anyone, be it the office or customer service.

The policy remained the same, but the cost for both home and auto insurance skyrocketed despite having no claims.

USAA is no better or worse than other major companies, but the prices of auto insurance increase every 6 months even without any claims. The homeowners' insurance went up by over $500.00 upon renewal this month, despite having no claims. The same coverage can be obtained for much less.

As a military veteran, I have admired this company for many years. Last year, I obtained both home and auto insurance. This year, they announced that I could no longer use Noblr, USAA's pay-as-you-drive policy. However, they assured me that the new USAA pay-as-you-drive program is both better and cheaper. But that's not the case. It's nearly $100 more each month and over $1000 more every year. It feels like a bait-and-switch tactic.

They were recommended by a friend, but they're too expensive for me. I don't have any tickets or accidents, yet I'm paying almost $400 a month for one vehicle. That seems ridiculous to me.

Their prices have increased considerably in recent years.

They are absolutely not affordable. I am trying to find cheaper rates.

It's not great. I'm looking to switch because they don't value their customers.

The price increases every six months.

They increase premiums really fast.

My experience wasn't very good. I was in an accident that wasn't my fault, but they determined it was my fault based on the pictures I sent them. Everyone else I showed the pictures to was of the opinion that it couldn't have been my fault.

Considering my age and driving record, it seems too expensive.

The rates are too high and constantly increasing.

The only problem I have is with their app. It doesn't function properly, and that impacts your discount. Additionally, I didn't drive enough for them. I'm disabled and can't travel much anymore.

I got hit by a car and USAA did absolutely nothing to help because the insurance adjuster I was assigned was on vacation, so I had to wait until Monday for any help. They offer great prices and I've used them for at least 10 years. This was my first time ever reaching out to them.

I would advise a friend or anyone else to please consider other options. Dealing with USAA can be quite challenging.

This used to be a good company, but the rates have skyrocketed and the customer service is dismal.

They are not truthful about covering your vehicle repairs. My vehicle was damaged by rubber on the road and required $2000 worth of repairs. They approved the repairs, but they were never carried out. Later, they claimed a check was paid but refused to provide proof or even the name of the payee. Meanwhile, I was left for 2 years with my car held together by zip ties instead of being repaired. Then they reported that I was in a preventable accident. A giant piece of tire rubber on the road at highway speeds at night with a car on either side of me, and it was my fault? They were not honest throughout the process.

They are more expensive than other companies as they keep raising the rates every six months.

I've been a member for 25 years. It's not worth it anymore, neither their banking nor their insurance.

The customer service was a disaster! I received no help from them. I was told that my vehicle form would be delivered in 2 to 3 days. However, I haven't received it yet.

After 17 years with USAA, they dropped me because I missed one payment, even though I had notified them that I would be late. 17 years!

Not good. They couldn't even get my name right, let alone follow up as promised. It was a terrible waste of time.

Although Consumer Reports rates them among the top 10 best insurance companies, they grossly overinflate the replacement cost on home insurance, which significantly increases premiums.

Terrible! I received no help with my registration form!

There's no quality in their customer service.

Rates have skyrocketed despite a decline in driving since retiring!

I would advise you to consider other options. I was paying $1000 a month with USAA. I switched to State Farm with the exact same coverage and deductible, and now I'm paying $440 a month. How is that possible? In my opinion, USAA is overpriced and taking advantage of people's hard-earned money.

My experience was expensive without actually getting what I wanted.

They literally raised my current quote by $1000 a month. It was ridiculous.

The customer service was poor.

They are supposed to be a lot cheaper than other insurances, but they are not.

The experience was not satisfactory.

I love the fact that they cater to the military, but they are expensive.

They are expensive, and when you need them, they don't help you.

It's not as good as it should be. The service, products, and concern for the customer have fallen under the current management.

They penalize me for using my phone as a passenger in someone else's car. Even though I have a Bluetooth hands-free phone, they still want to deduct points. I guess next they'll penalize me if I talk to my wife while I'm driving.

I'm disappointed due to the constant high rate increases and minimal accident assistance, other than collecting my deductible, which they rate as A+.

It's not very good. I'm being charged a lot of fees ranging from 56¢ to $1.12 for each transaction or payment made. I feel like I'm overpaying for full coverage for a 2003 Chrysler PT Cruiser because I filed two claims for accidents that weren't my fault. I wasn't found at fault and I never received a citation, yet I'm being penalized because I filed. The insurance coverage in this country feels like a scam and there's no refund, credit, or reward for good driving.

After 42 years as a member, I am very disappointed in how USAA has changed in the last 5 years.

Their rates for the military are too high.

I would not recommend getting a policy from USAA.

I used to believe that USAA was expensive because they offered the best services, but my experience proved otherwise. I had been a customer for over 10 years and even convinced my then-husband to open a checking account with them. We then purchased auto insurance. However, after our separation, I was informed that he was the primary on the auto insurance and I had no rights to print an insurance card for my vehicle. Despite paying for the car insurance, I was unable to view the account. I was upset that they refused to discuss the account with me.

USAA just became too expensive. Every six months, the cost increased without any rise in benefits. I had to find cheaper insurance.

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

The tracking for a discount is not satisfactory.

It's quite difficult to speak with a human. They only allow limited access to the website if you're not the one who set it up. Did I mention it's difficult?

This insurance is way too expensive. Despite being a U.S.A. veteran, I was treated poorly.

I just think they are still too expensive.