Is USAA A Good Insurance Company? Reviews From Over 4,267 Customers

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.

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’re top-notch. I’ve been with them for 44 years.

Extremely dependable auto insurance; however, it’s very expensive as well.

Very good and very responsive to most of my insurance needs.

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.

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.

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.