Is USAA A Good Insurance Company? Reviews From Over 4,066 Customers

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.

The service is good, but it's getting expensive.

The rates are extremely high for someone on a fixed income.

Overall, it's good.

If you're eligible, join!

I've never had a claim.

It's top-notch insurance, just super pricey!

They are awesome, great rates and no hassle!

Make sure you have all the coverage you need.

USAA is always easy to use, quick to answer phone calls, and the app works well.

The insurance for classic cars is outstanding. I ended up choosing Progressive.

It's difficult to speak to an agent.

USAA is the best bank I've ever worked with. Their insurance is great, and they even provide dividends, which no other insurance I've been with has done. I'm constantly comparing USAA and Progressive to find savings on car insurance. I'm pleased with the company and would recommend it to anyone.

They raise the premiums every year.

I have no complaints whatsoever after 50 years of being insured by USAA, for both home and auto.

I had a great experience with USAA. However, their rates gradually increased over time without any clear justification. We were with them for over a decade. They offer the best customer service and claims handling I've experienced.

They provide excellent service and their claims service has a good tendency to settle quickly to avoid court action.

My insurance is very expensive, especially my car insurance. I drive under 50 miles a week. I have called twice to see if it can be lowered, with very little results.

I would recommend them highly.

Solid company.

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.

It's expensive for full coverage.

My experience with USAA has been okay. I would definitely recommend shopping around before deciding on USAA.

If you're black, they will not handle your claim fairly, especially on property claims.

My payment increased from $93 to $108. I don't understand why. I thought the longer the policy (in years), the lower it would go. I'm on a fixed income.

After 25 years with USAA, I feel that they have gotten worse with handling claims and increasing their rates in the past few years.

Four years ago, it was fantastic. However, the last few months have been absolutely disappointing with overpriced rates and downright rude customer service.

Be careful, check your quotes against others.

Not too expensive.

Even though I've been with them for 18 years, I can't recommend them anymore. They resort to bait and switch tactics, and they don't tell you the truth. They even apply a surcharge when they assure you at the time of signing up for accident forgiveness that it will never be on your record.

It's very expensive, way too much.

They're too expensive.

The customer service is horrible and nobody listens to the issues I have about claims, etc.

I have been with USAA for about 10 years now. Despite only having two minor accidents, my rates have gone up for no apparent reason.

They keep raising rates without any valid reason. It's a disappointing way to do business.

I find USAA to be quite expensive, especially for someone like me who is on a fixed income. I can get the same coverage for both of my vehicles and my home for less money elsewhere. Moreover, the agents I've spoken with don't seem to listen to my concerns!

Less time waiting to talk to a human. More confidence with the cost of insurance compared to other companies. USAA has always been the best insurance, but with the current state of the economy, other companies are less expensive for the same coverage. Most of the older military retirees can no longer afford USAA and are looking for more reasonable prices.

I was with them for over 15 years. I forgot to update my credit card information and they didn't send any diligent letters or calls. They cancelled my policy and when I started it again the very next day, my rates doubled. There seems to be no customer loyalty.

USAA was good for the 17 years that I had them. Now, they are one of the worst companies ever.

USAA is a great company. I have been happy with them. Unfortunately, the company has increased their rates so much that I can no longer afford them based on my retirement income!

The cost is too high.

They overcharge.

It's too expensive and difficult to deal with.

After nearly 30 years, I've noticed a decline in USAA's service. The customer service is the worst I've ever experienced. I wouldn't recommend anyone to do business with USAA.

I wouldn't recommend using USAA due to their unreliable roadside service.

The service was very poor. They sent my check to a bank I no longer use, and that was my food money. They said I might get it in 90 days. They were supposed to mail it to my home address. I'm very upset and will be looking for new insurance after my house is fixed.

The claims process has become unbearable. Despite having full coverage, I had to hire an attorney to get the repairs approved.

My rate went from just under $700 for 6 months to over $1400 for the same period! They track your every move, and not very accurately at that. They penalize you for heavy braking, even if you're stopping for a red light, or using the in-car answering system for your phone. All of this affects your discount for the next 6 months. Despite being a US Army Veteran, I get no breaks on my discount.

It's too expensive for the amount of time I drive - under 2000 miles per year.

It's expensive.

I would recommend considering a different insurer as this company doesn't seem to prioritize their customers.

The rates are way too high.

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

Get 3-5 quotes from others before making a decision!