Is USAA A Good Insurance Company? Reviews From Over 4,267 Customers

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.

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!

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.

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.

They take good care of me.

Great roadside service, and they were great at 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'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.

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

They are expensive, but what isn’t today?

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.

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.