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

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.

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.

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.

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.