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

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.

The car coverage cost goes up a little too high.

They are fair.

When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.

Excellent

My experience with USAA was great. The lower premium was the main reason I switched.

The customer service is excellent, but the policy is expensive.

Excellent thus far.

Overall, the service is good.

Their rates are getting expensive.

Great service for over 30 years.

I've been with the company for 55 years - they've never made a mistake. They always offer great rates and are available 24/7/365 from anywhere in the world.

They are awesome!

If USAA were a bit more competitive financially, I wouldn't be comparing companies.

I have been with USAA for many years. The customer service has been fantastic. Unfortunately, USAA has raised the premiums to very high levels, which forces me to look for price comparisons from other insurers.

I got the best deal via a phone call!

Expensive.

They are great on claims and customer service, but high in price.

Try them, you'll like them!

It's more expensive than most other companies. As a veteran, it hurts my budget. I can get the same comprehensive coverage for about half the cost elsewhere.

I love USAA.

Fantastic, just expensive.

USAA is a great company!

Great.

I checked the market to see how competitive their prices are and found them to be equal or better.

I have had nothing but great service with USAA for about 60 years.

I have nothing negative to say, other than I was hoping for something cheaper.

They are very professional.

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.

USAA has become very expensive.

They keep raising my rate.

They keep raising my rate.

Don't feel compelled to stay with USAA. This is not the same company I joined nearly 50 years ago. I'm willing to pay more for my insurance products, but I'm grateful for the experience.

I would recommend this service to a friend or another service member, but it didn't do much for us except charge a lot of money. I've been driving since I was 16 years old. My car broke down about a year ago and I thought there was no need to have insurance. That's what they're basing their rates on and it's quite expensive.

They unexpectedly closed my account when I reported unauthorized activity. They said I could keep my insurance with them, but couldn't continue banking. It seems unfair that they are happy to take my hard-earned money for insurance, but don't provide a secure place for me to keep my money. I wouldn't recommend banking with them; consider Navy Federal instead.

It's okay, but see if you can get it for cheaper.

They provide poor customer service and support to their long-term customers.

The rates are too expensive. I can't afford $3,600.00 for six months.

I was with them for over a year. Every phone call I ever made to them took well over an hour. Their customer service representatives are rude. No matter how many times I verified my information, all my details ended up on my dad's account. I'm 47 years old and haven't lived with my dad since I was 6. Even when I had a claim, they put it under his insurance and then denied the claim because he told them he hadn't been involved in an accident. After I called to rectify the situation, they denied the claim anyway, even though they made the mistake. I would not recommend them to anyone.

Keep shopping for auto insurance. The current prices are ridiculously high and are getting higher for absolutely no reason. As a 30-year customer who has never had an accident or a claim of any sort, I find this unreasonable!

I can't even talk to a representative, nor is there an automated system.

Overall, I thought they would be more competitive with their rates.

I would advise people to be cautious. They're not as ethical as they used to be.

Consider another option! They lack honor and honesty. They will resist intensely before fulfilling their obligations.

I did not like the pressure sales after I dropped them. Their rates were way too high.

Too expensive, not enough discount for disabled veterans.

Too expensive.

It's too expensive. I have been a client for 31 years.

The claims support is not great.

Initially, the auto insurance is okay, but they continue to raise prices.

Somehow, I lost my discount app on my phone. I'm tired of escalating prices every year despite having no issues with the police and no accidents or claims. I thought I'd get better rates than the open market, but that's obviously not the case. Several companies are offering lower rates, although their coverage is not great. I'm really tired of paying for bad drivers.

When you pay your bill, expect the money to remain in your account for well over 5 days after payment.

Ensure you keep a record of dates, times, and the individuals you spoke to for a claim!

It's overpriced, but the representatives on the phone are nice.

Affordability is not what it used to be.

After 60 plus years, I am disappointed in the service and value today. I know at 85 I am a higher risk, but they have done nothing to offer alternatives, just increased costs.

They're a great bank, but it's horrible to do insurance business with them!

They are stellar at handling claims! However, their prices have recently skyrocketed. The insurance on my home has more than doubled over the past few years, which may force me to sell.

Overall, it's poor and overpriced.

They damaged my credit because they took several months to process a claim.

A little pricey.

I've been dealing with the same claim for over two years and it's still not resolved. There needs to be better communication.

The service is great, but it comes at a cost.

There's a trust factor, especially for senior citizens who are on a very low fixed income. You would expect that the rate you set for them would last at least for a 6-month policy period, not change every 90 days. There's absolutely nothing left after all monthly bills are met.

They increased my car insurance by $180 a month without any reason. Moreover, they charged me over $100 for canceling just 5 days after I refused to pay the new amount, which was $620 a month for 2 vehicles. This is not an appropriate way to treat disabled veterans.

Check for quotes from other companies.

They are good with my wife's policy, but for no apparent reason, they doubled my rate, stating that I had too many accounts. All of my accounts are paid through auto pay, and I haven't had any tickets or accidents for at least 40 years. Plus, I have more than enough income to cover all my debts.

I have been a customer for over 60 years and suddenly, they have been treating me poorly for the past 3 years.

Don't get into an accident because even if it's not your fault, they will find some way to make it partially your fault so they don't have to cover your deductible.