Is USAA A Good Insurance Company? Reviews From Over 3,322 Customers

Great company but expensive.

It has been very easy, and the customer service has been good.

Look somewhere else for cheaper coverage.

Great, even though they raised their rates in Hawaii.

Always available and supportive.

Very good, but expensive.

I love USAA, but it just got too expensive after 3 accidents!

We've been with USAA for well over 25 years and have never had a single claim. However, we're switching companies because their rates are outrageous. They don't even give a break to those of us who have never filed a claim!

Getting too expensive.

They have been great with everything in the last 10 years I have had them.

Fantastic customer service, at the cost of higher premiums. They do offer refunds for loyalty, safe driving, and senior bonuses. Limited to military and their extended families.

So far, so good, but way too many mailings.

I would recommend USAA to all military families.

USAA is a very professional and engaging company.

USAA has become very expensive.

They provide good services for auto insurance, but the homeowners' insurance never covered any issues I had. Customer service was better in the past. Now, they require the customer to take pictures of any damage, and they decide on reimbursement based on these pictures. Their rates have been increasing rapidly, and trying to add discounts has been difficult.

I've never had any problems. The rates are reasonable.

I can always access my information on the app. If I ever need to call, the agents are always very friendly, professional, and helpful. My issues, concerns, or questions are always resolved in the first call. I love USAA, but unfortunately, I can only recommend it to those who have served or had parents that served in the military and were members of USAA.

They are much better than all the other insurance agencies that deny first. USAA is the only company I recommend.

It has been very good, but each year the cost goes up without a claim, so I'm looking for a better rate.

The experience was excellent.

The insurance is good but it's pricey.

They are the best company, insurance or otherwise.

I have only good things to say about USSA.

The quality of the service/product has declined over the 40+ years I’ve had the coverage. However, the price has always been competitive, but the advantages are becoming less significant. I suspect that the increase in national advertising expenses, which was not a factor before, might be affecting the product's pricing. I used to utilize all USAA services like investing, credit cards, banking, and insurance. Now, I only use their banking and insurance services because of banking convenience and competitive insurance prices. The banking operations seem to become more miserly and fee-centric, especially with ATM fees. Considering there are no real branch banks, they should increase their ATM fee reimbursements.

USAA sets the standard by which other companies are judged.

I rely on the excellent support provided by USAA.

This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.

Great experience.

My experience was excellent; all my questions were answered.

They are there for you if you need them.

Responsive.

Great!

It's expensive.

Excellent company.

They were outstanding for the first 30 years. However, they have significantly declined in the last 10 years.

Compare it with other top-rated insurance companies.

This is my daughter's insurance company and they are excellent!

I have no complaints.

After comparing all other companies for the best coverage and best price, USAA came out on top.

The service is excellent, but their price is much higher than the competitors.

An insurance company better than others.

The auto and renter's policies are overpriced. There are no available optional policies for circumstances like low mileage driving in my state.

They respond quickly, but their rates are expensive.

They actually care about your needs.

Almost 100% of the staff members are very helpful and kind! I love that when you call about an event, the first thing they ask is, 'Are you okay?' It's also kind to receive a sympathy card from them. However, I don't understand why, just because my husband passed away and I am adding my name to the policy as his widow, I am being treated like a new policyholder. For home insurance, they are asking for pictures of the house and now demanding I get a new roof. It was fine before my husband passed away, so why is it a problem now? My bank was notified that my homeowners insurance was cancelled, which is incorrect. The name was just changed on the policy. We were married for almost 40 years when he passed, so why all these unnecessary difficulties?

They are excellent. I've been with them for 44 years.

The auto insurance is extremely dependable, but it's also very expensive.

The auto insurance is extremely dependable, but it's also very expensive.

They are very good and very responsive to most of my insurance requirements.

It's the cheapest by far, but offers excellent coverage.

I have been with them for over 50 years and most of my dealings have been handled well.

One would think that the length of time you have been with a company and the absence of any claims would result in better rates. However, USAA doesn't seem to offer much, if any, discount. Additionally, the car insurance is quite high when you have no claims. I just wish they could offer us a better rate.

USAA is good.

No problems.

I am paying $241 a month for a whole year, not just 6 months. I wanted a yearly rate for full coverage for my 2014 Chevy Impala and the least amount for my 2002 Acura MDX, which is driven less than 100 miles a month.

They are expensive.

Very good!

Excellent if a claim is ever filed. Thorough coverage is reasonably priced.

Excellent service, though rates do increase.

I have been with USAA since 1973. Over the last 52 years, USAA has lost focus on their original mandate of serving Officers in the Air Force. Personally, I feel they decided at some point to compete with the big guys. As soon as they did that, they were drawn into the pool of greed. Gone are the days of feeling we have an intimate, dedicated forum for us. Of course, at 84, I'm set in my ways and not very flexible. Cheers!

USAA claims they have low prices, but they don't!

Compared to others, USAA is way too expensive. Their customer service blindly defends the cost and can't objectively explain the costs.

I believe they overcharge and are not willing to discuss any discounts on your policy.

My rates increased by more than $500, which is why I switched providers.

Continually rising rates with no claims.

I have storm damage and the claim process is not satisfactory.

My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.

While filing an insurance claim with USAA is a breeze, the monthly payments are not. For just liability with a tow option, I was paying well over $200. In the almost 18 years I’ve been with them, payments have never been under $200. There is no loyalty discount or safe driving discount. I would recommend considering other options like GEICO or Progressive.

They are not suitable for veterans anymore.

My policy has increased dramatically over the years despite having one or no claims. I feel the need to look elsewhere to save money.

They make you jump through hoops, are not timely with coverages, and respond with arrogance. Their coverage for veterans is terrible, offering nothing extra.

They change their rates too much after you start policies. Safe Pilot always messed up, keep losing discount. Had to call every month.

Find insurance with someone else.

Back when I first joined USAA as a new naval officer, it was only available to military officers and their families. It has greatly expanded since then. It has never been the cheapest insurance, but the service was spectacularly good. It still isn't the cheapest, but the service has declined to no better than average. Now, after 62 years as a member, I've started to explore cheaper alternatives with the same or better service levels.

USAA won't pay legitimate claims.

The insurance coverage for my home was never discussed with me. Your coverage is too high in cost. I am switching my insurances.

USAA is too expensive. I know I have accidents on my record, but I've never received a violation in the 50 years I've been driving.

We noticed that the rates kept increasing with every renewal, which is outrageous.

I would like easier access when calling into USAA; I prefer to be connected directly to someone.

I would advise against using USAA. Two years ago, we purchased a 2010 Toyota Highlander with a salvage title for approximately $10,000.00, a price that was deemed fair by our research and mechanic. USAA agreed to provide full coverage for this vehicle, along with two others. However, when my wife was involved in a rear-end collision, USAA declared our Highlander a total loss and offered us a mere $2900.00. They mentioned that any significant expenses incurred within the last year could be reimbursed. They also suggested that if I could find a similar Toyota Highlander, they might reconsider their offer. I managed to find a Highlander one year older with 10,000 more miles for around $9000.00, and they increased their offer by $500.00 to $3400.00. Meanwhile, the company to which they had already sold our totaled Highlander was pressuring me to complete their paperwork. I refused to do so until we had reached a settlement with USAA. Upon reviewing the specifics of their settlement value, I discovered that they had deducted $1400.00, claiming the car had an oil leak, which it did not. So, the offer should have been $4800.00. We had recently replaced the back-up camera assembly for about $1400.00, which should have added value to the settlement. However, I couldn't locate the receipt for that repair. Due to being busy at work and having already purchased another car, I postponed following up. Then, they sent us a check for $1583.00. I contacted USAA to express my dissatisfaction with this settlement, but they have stopped returning my calls. I feel that USAA has not provided satisfactory customer service and has not treated us fairly.

The company is very intrusive. If I use the GPS on my phone while driving, I receive a message telling me how much time I was on my phone. I braked harshly three times; twice to avoid hitting a deer and once when a child ran into the street. USAA sent me a text warning about harsh braking. Being with USAA is like having a backseat driver 24/7; you have no privacy with them.

It's too difficult to get a human being to talk to at USAA.

I'm disappointed with USAA. I've been with them for seven years, having full coverage auto insurance for my financed Nissan Sentra, which I was paying $249 a month for. After paying it off and getting rid of it, I purchased a 2020 Nissan Altima. Now, USAA is charging me close to $400 a month for full coverage, despite no accidents or lapses in insurance. I've spoken to customer service, but all I get are lies and the runaround.

No problems, but too expensive.

I would advise against using this company. I had a poor experience with their customer service.

Be prepared for poor phone service! They heavily rely on their website and have limited email contact. Many of those who answer calls seem to be confined to words and terms that they have been directed to use. When it comes to contested rate increases, the standard response is 'inflation'. This is totally unsatisfactory! It didn't use to be this way. I've been with them since 1966, but their attitude rarely shows any appreciation.

If you are a new policy holder, you get a decent rate. However, if you have been with them for about 5 years, your rates have gone up and you're looking again.

I believe it's crucial to have absolute clarity on coverage.

The customer service is amazing. However, they're insanely expensive compared to other companies.

Get the best price for comparable coverage. The price seems to increase every year on the same vehicle with no claims.

It's acceptable, but it seems to be more expensive than it should be. The cost increases even though my vehicle depreciates!

USAA used to be an excellent company. However, they have declined in quality and denied my claim. It's time for me to find a new company.

Their service is good, but the rates are overpriced compared to other places.

I wouldn't recommend purchasing USAA. They continue to increase rates for your car as it ages, even if you have no tickets or claims. It feels like a rip-off.

I am paying over $500 a month for car insurance, which is more than my monthly car payment.

They never activated my policy when I bought my new SUV.

So far, so good!

They are a good insurance company, but they are not cheap.

USAA is a decent insurance company but they don't really take care of veterans as they claim to. They should aim to offer the best pricing to help their customers save money. That's why I'm shopping around for new insurance companies. There are others out there that offer the same coverage for a lot less. I've been loyal to USAA for a very long time. They should reciprocate by offering prices that are lower or equal to other companies.

They start out with fairly reasonable pricing, then raise your premium payments to absurd levels. It's super expensive for loyal customers.

Everything was fine until this year's renewals came up. I'm 84 years old, never had an accident or ticket, and have been driving for 59 years. They doubled my insurance cost. The same happened with my household insurance; never a claim, yet they doubled it too. I served my country for 8 years and this is how we get treated?

It's very frustrating! The best thing about them is their price. However, their security protocols are quite aggravating and their customer service is poor at best. Every time I call them and speak with a different person, I get a different answer. I have been with them for over 8 years and despite not having so much as a parking ticket, they have continually raised my rates. I am 64 years old with a very clean driving record, yet I am paying over $1200 a year.

The commitment to service members, whether current or former, is overshadowed by their desire for profit.

USAA required me to make an $880 deposit because I had several late payments. I was dealing with a personal situation, as I spent months caring for my sister who was battling ALS. I thought that USAA would show some compassion and understanding for my circumstances, but that was not the case. I initially believed USAA was better than other insurance companies, but this experience has left me disappointed. It's unfortunate that the human element seems to be missing.

They are very expensive.

I thought USAA would offer bigger discounts to members who have been with them for a long time. I've been with them for 24 years and I'm still paying three times what other companies are offering me.

I wanted to stay, but I was priced out.

They overcharged me based on mileage. They claimed to have sent me information, which I never received as I was in the hospital and rehab center after suffering a stroke. They could have called me instead. There's nothing wrong with that approach.

The service was good, but I was hoping for better rates.

The rates keep increasing.

Expensive. The website is problematic. It's hard to do business with them.

They are expensive. I wish they would give a lower quote.

I'm not really satisfied with their claims process.

Costs too much.

The rates seem to be increasing every year to a point where I can't afford them. I am now shopping for other options.

My car insurance has doubled over the past year for no reason on my end. I'm shopping for cheaper car insurance as we speak.

They started with competitive prices, but there were too many increases without any claims.

The person handling our case would not return calls, nor would his manager.

I attempted to switch my homeowner insurance to USAA, only to be informed that USAA doesn't insure manufactured homes. The alternative company they directed me to had rates that were more than double what I'm currently paying at State Farm.