Is USAA A Good Insurance Company? Reviews From Over 4,356 Customers

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

Until my divorce, USAA had been wonderful.

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.

Great 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.

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.

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.