Is USAA A Good Insurance Company? Reviews From Over 4,316 Customers

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.

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.

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.

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.

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.

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.