Is USAA A Good Insurance Company? Reviews From Over 4,103 Customers

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.

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!

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.

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.