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

Fine, it's just too expensive.

They are easy to deal with. Efficient, pay quickly. No hassle.

Great company! They have insured me for years with excellent service.

No complaints. I've been with USAA for a very long time, and their prices are fair.

I have been and continue to be a member for over 40 years. Apparently, there is a disconnect between their auto rates and market reality, unfortunately. I would never have changed if it were not for the ONE HUNDRED PERCENT higher cost with the same coverage from Progressive. I will be writing to Mr. Juan Andrade, CEO, to make it abundantly clear that someone in their actuarial department is not doing a remotely good job. Extremely disappointed.

I've had USAA for a long time and have received excellent service over the years. I recently got quotes from other companies, and no one else could provide the same coverage at the same rate. Not even close!

The best insurance company in America!

They have been very good with me.

It's too high.

Customer service is great, awesome, super, and amazing. I guess that is why the price/cost is so high.

Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.

Lowering car insurance rates!

I have both auto and home insurance with USAA, and they are great!

Excellent experience, but the price keeps rising. Checking if that's justified.

They are the cheapest of all, if you qualify. All auto insurance rates are untenable since the border situation.

Bri was unusually competent, friendly, and willing to help me understand the situation with my USAA insurance cost increases.

Always had a good experience when dealing with them.

Quick response, friendly, easy to reach when we are traveling in a foreign country.

Until my divorce, USAA had been wonderful.

Helpful

USAA is a top-shelf insurance carrier. They are amazing at customer service. They are really about the members, and I've had things happen during claims where USAA literally added policy coverage after the fact, after I called in the claim, without adding to the premium.

I have been with USAA for decades. Except for higher monthly premiums, this company is wonderful. I wish for better discounts for senior citizens. I am 80 now, and my budget is tight. I still would recommend USAA to anyone.

If a friend had any kind of military background, I'd definitely recommend they try USAA. For me, they have beaten every quote I've been given so far, hands down.

Great experience, except for the pricing. Two vehicles, both Liability Only minimum policies, one minor incident (hit by another vehicle, no injuries, 2 years and 10 months ago) still almost $100 for coverage with low yearly mileage.

I hesitated on calling and getting them to lower my insurance expense; that was a mistake. They already had both my auto and home, and I should have called them first. I had already been in touch with four other companies when I called USAA. The USAA agent saved me money, completely reviewed my policies, and did it treating me with dignity and respect.

If you or a family member is or was in the US military, active or honorably discharged, USAA is a great option. They are rated number one in claims processing. They tend to be a little more expensive than other insurance companies.

I have been with USAA since I was 17 or 18, and it has been a blessing.

Everything went well with registration and the delivery of the insurance policy to my home. The representative was very informative.

They have increased their rates! I have been with them for 35 years.

Easy and affordable.

Safe driving discount.

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

Outstanding service every interaction!

USAA is hyped to be such a good deal but ends up being very average cost-wise.

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.

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.

Don't expect a discount if you remove a driver!

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

The customer service representative was slow, rude, and negligent.

The insurance is expensive.

They are expensive, but what isn't today?

Too expensive.

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.

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.