Is USAA A Good Insurance Company? Reviews From Over 3,322 Customers

The company is excellent for insurance, particularly home insurance. However, be very cautious with their banking services!

I paid less when I had my Prius than I do now. I haven't had any tickets or accidents in many years. I barely drive, except for going to the VA Hospital. My Chevy pickup stays in the building all the time. I don't drive more than 4,000 miles a year. I shouldn't have to pay so much.

They offer great prices for premium coverage. Even with an accident on record, they are much cheaper than other companies providing minimum coverage.

I requested to lower my car insurance rate and was satisfied.

I have had USAA for many years and have never experienced any problems. I would say you pay for quality and you receive such from USAA.

Quality and professional service.

Excellent service with fast action on accidents. However, it's very expensive.

Great! The auto insurance is excellent, but the premiums keep increasing.

Loved them.

It appears that if you can use USAA insurance, you should. They beat all other rates for comparable insurance.

The service is excellent, it's just getting a little more expensive.

Outstanding.

They were the best but too expensive

USAA insurance is half the price of anyone else and they always do everything in their power to help you if something happens. If you can get USAA, you should.

Expensive!

Always excellent

They are expensive.

Hard to communicate with.

Excellent

Everything is great.

There's definitely an increase in cost, but no corresponding increase in benefits.

I would like a lower payment since I haven't been in an accident or received a DUI for over 20 years.

Being a member for 43 years and counting, this is hands-down the best agency relationship you'll ever have.

I've never had a problem with them. They've provided great service over the years.

Mostly good, but prices are rising.

Excellent, I highly recommend USAA.

I am happy with USAA. I just clicked on an ad to check rates.

I have been extremely happy with USAA insurance over the past 50+ years!

When the insurance rates go up, USAA always has a solution to bring them down. That's what I like - affordability.

I've been with them for almost 20 years and everything has been great. The prices have increased a bit, which made me curious about other insurance options. So far, I haven't found anything else that I like.

I just think I'm paying way too much for insurance.

I have found USAA to be a good company to work with.

The price is too high.

They offer great coverage, but you just keep paying and paying.

I have never had a problem with USAA.

I originally thought USAA might be price gouging when a surgery required me to purchase another vehicle. After getting quotes from other companies, I realized that USAA was being fair in its quotes.

I haven't needed to use USAA since I've been insured because I've had no claims.

They have always taken care of me when I needed them.

I have had USAA for over 56 years!

This is a top-of-the-line company to work with.

You've been a great company to do business with. However, I don't understand your map and that's the reason I canceled my policy.

Don't get in an accident! I had one accident in 27 years and they doubled my rate! They won't give you a break, no matter what.

It's getting too expensive.

I have been with them for over 60 years.

I've been a member for 21 years. They were a solid auto insurance company, especially in Europe. However, ever since Gronkowski became their celebrity branding spokesperson, the rates have increased. I switched to Progressive and got the same coverage for half the price. USAA, you can do better. Lose Gronk and get back to offering honest insurance rates for loyal military members.

I just filled out a comment on my home and auto insurance. What was ironic was that after I completed my comment, it read 'Find A New Policy'.

I don't think your insurance programs can be beaten, but they are expensive and twice as much as what I can pay in the insurance market! My home coverage is more important to me than my auto coverage. It doesn't bother me to pay a higher premium on my house, but my auto insurance is way higher than what I can get from other insurance companies. We only drive to the doctor's appointments, grocery store, and to visit our kids and grandkids. I understand paying full coverage on my fully paid RAM P/U, but I feel I am paying way too much on my Honda that is over 10 years old and paid for. We are planning on buying a new (2022 - 2024) Jeep Grand Cherokee later this year or early next year, and I feel that I am bound to shop for insurance for that vehicle. What I like about USAA is that you are great when it comes to claims and we have only had one house claim that I feel could not have been handled any better than the way we were treated after the wind storm we had. And I thank you for that! If I could get a better auto plan, I would be a very happy customer. Thank you.

I have been with them for 25 years.

I've never had to make a claim, but I was insured, so that's fine. My only complaint is about the overall cost of insurance. I've never been in an accident and haven't received a ticket for anything other than parking in decades of driving. Yet, I need to pay nearly $300/month just to drive legally. It feels like a scam.

So far, so good.

Very good.

Good.

This is a good overall company for military families.

Excellent.

As soon as I call for a claim, it gets done smoothly and quickly.

It's a typical insurance company.

The service was good, but they wouldn't lower my rates at all. Additionally, they made it difficult to cancel my policy without defaulting on payment.

So far, I've had no claims, but it's too expensive. Despite having no tickets or accidents, I'm paying almost $200 per month.

When providing quotes, it would be helpful if the quote was given directly. It's frustrating when every company wants you to visit their website and input all the information again. This discourages me from wanting to deal with them. So, please stop the unnecessary steps and provide the quote!

Perfect.

They charge too much for the elderly who travel very few miles daily!

The company is good, but very pricey.

After receiving a quote of $54 for the first payment, and $40+ per month, Suzi insisted on 'reviewing' the answers I submitted online. She took this opportunity to add coverage I didn't request or want. When she finished, her offer was over $200/month. No thanks, 'Suzi'.

They treat you like a fraudster with their pin and password, SS number verification. They are not very friendly either; they act like you are inconveniencing them and just want to go home at 5 pm. My anxiety increases when I call them.

I discontinued my auto insurance because they increased my premium.

I called customer service to inquire about the availability of additional discounts beyond the driving app. The individual who tried to answer my question seemed either clueless or was provided with poor information.

Look around for the quality service you want, not what they want you to take in their products, whether it's through credit card debt, home insurance, or loans for cars or homes.

I recently sold my Lexus and attempted to remove it from my insurance policy. I was told that I first had to surrender the plates and registration, which I had already done in compliance with Florida law. I believe this should reduce my monthly insurance payment.

Too expensive.

Too expensive.

I was overcharged and rated incorrectly.

They act as if they're doing a favor for the military, happily taking your money. However, when you file a claim, they seem to forget about you.

After 56 years of membership and multiple insurance policies including autos, home, rentals, and personal policies, I am treated like a bad risk. This is despite paying thousands of dollars a month for over fifty years.

If you can't make your payment on time, they will charge you. I called to let them know that the day they had scheduled to take their payment did not coincide with my payday. It was two days later and they are going to charge me $15.00. I don't think so!

Keep an eye on changing rates.

Too expensive.

They have doubled my premium within four years.

USAA seems to inflate the replacement value of your home and charges a premium well above competitors' rates. At policy renewal time, my premium became price prohibitive, causing me to switch carriers for over a thousand dollars in savings. While this company is rated as number one by Consumer Reports, it's just too expensive.

The rates are high.

Too darn high.

Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!

They were unwilling to renew my policy.

They're okay, except for the constant increase in rates. Also, at the end of the year, they withdraw a larger amount without any explanation.

They have treated me well, but their prices have increased dramatically this past year, and I am not happy with them at the moment.

I would not recommend USAA. I have been with them since 2015 and have had my insurance on auto pay. However, since November, my payment was being declined due to 'no approval'. I did not receive a single call about this issue and only found out after the fact that my insurance was not active. As a long-time customer, I feel like I have been overpaying every month. My new insurance is half of what I was paying with USAA!

The claims department is terrible. It's completely disorganized and messy.

I had insurance with Geico. I got hit by a woman who was insured by USAA. It was her fault, but they totally screwed me on that claim.

Too pricey.

Poor communication.

Too hard to communicate with.

The price changes too many times.

Very poor handling of claims.

The service on my claim was very poor. I received no return calls.

They handled my claim very poorly. I received no return calls.

Their service on a claim was very poor.

Very high rates compared to other insurers.

Your insurance is too expensive.

They have stopped considering today's financial strain on their customers.

I understand that customers are going through rough times now. I've been a member since 1974. I'm having financial problems and no compassion has been shown whatsoever. This frustrates me, especially considering my great driving record.

The cost of vehicle insurance is too high.

The claim service was horrible. My claim was delayed to the point of frustration. I am so disappointed that I am considering changing insurance companies. My claim has not been completed; I am still waiting to get my navigation repaired, but there has been no response.

I'm not satisfied with the price hike after lowering coverage.

I can never get someone to help me gain access.

Overall, the service was poor. They took away my safe driving discount because I wasn't driving enough.

Their premiums are rising!

I drive less than 5000 miles per year and my rate is over $2000 per 6 months? I'm shopping around!

I thought you were less expensive than other companies, as I am a retired military dependent.

Price increase

Too many price increases without personal contact or prior notice.

You're constantly providing incorrect information and are unwilling to properly cover claims. You're also argumentative and wrongfully raising rates by coding them lower and charging higher!

They raised rates by nearly 43%.

I had a terrible claims experience with them. They did nothing to compensate for their poor handling of my claim; in fact, they increased my premium even more. The claim was for a 'hit-and-run' while my car was parked outside a house and I was in the backyard. It was broad daylight, around 12:43 pm; I had parked at 12:41 pm, which means I barely made it out of the car in time to avoid being hit by this vehicle. I was not at fault. USAA increased my monthly premium by over $100 each 6-month renewal period. I never planned to ever leave USAA in my life. But, honestly, the lack of addressing my terrible claims experience, during which they left my claim open and unattended, was disappointing. My entire claims payment/appraisal process required to complete the repairs on my Infiniti Q50 (around $14,000 in the end) was just sitting there, basically on hold for no reason. When I politely asked for answers to my specific questions regarding why my premium has more than doubled in the past 3-4 years, it seemed like they were trained not to give specific answers related to 6-month auto premium increases.

I was offered a low settlement when I filed a claim for my roof damage from storms.

Being charged $568 per month for insurance is insane. None of your representatives could provide my mother and me with any valid answers to our questions. How can our insurance go up from $238 per month two years ago to over $400 last year and now $568? We were clearly being over-insured for no reason. I was very offended that in order to get any break on my insurance, I would have to have my privacy invaded by a device that tracks my every move while I'm driving. My mom is 85 and has been a customer of yours since she was in her 20s. It's sad that your company cannot retain a customer who has been so loyal in every way, having all of her services through you including house, banking, etc. Despite my dad being in the merchant marines, I feel I was treated poorly by your staff who gave me very poor explanations for why our insurance had almost tripled in two years without any reason. I didn't have an accident. The customer service was really poor and I spoke to three different people and no one could really answer any of my questions. One representative even suggested that if I get OnStar, I would save one penny. Is that supposed to be an attractive solution? You need better trained staff who know what they're talking about, know how to answer the hard questions, and know how to investigate things that just don't look or sound right. Do better, USAA. Love, Jaqi. I have also been a USAA member since I was 15.

They almost doubled my six-month policy without any explanation, blaming it on a rate increase in Florida.

Their customer service, rates, and app leave much to be desired.

The prices for veterans are too high.

I had to make two claims in two weeks due to unforeseen circumstances. Had I only had issues with one of the claims, I would have thought nothing of it. However, it has been nothing but a headache from the beginning of the claim process to now, over two months later, for both vehicles. Oh yes, and they are still not fixed.

I've been with them for seven years. In September, I notified them of my move to Alabama, which I thought would trigger a correction in my insurance records to reflect my new location. After paying three months of premiums based on Florida rates, I realized they were overcharging me by $100 per month. I believe they should have adjusted my premium, but they didn't. I felt deceived by them!

Poor to zero communication. They keep transferring me to others. The claims person didn't read the file for my claim before emailing me that they were closing it.