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

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.

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.

The interaction is always customer-centric. Very pleased.

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!

They make every effort to charge you more, but only look to reduce the rates when you are about to drop their services. Fair, but expensive.

Look for another carrier. The coverage is overpriced, about 1 1/2 times more than most other carriers.

I assumed that USAA would offer better rates than other insurance companies due to my military background. However, I found that my auto insurance is as high, if not higher, than it was before I switched to USAA. I acknowledge that I had a DUI almost six years ago, which was a borderline case. I was reported for swerving due to some young kids in a large truck with high-beam lights, while I was driving my lower Cadillac. I believe they were the ones who reported me as there was no one else on the road. The officer who pulled me over was new on the job. Two senior officers who arrived at the scene later said they wouldn't have cited me as they could see I wasn't drunk. Prior to this incident, I had a perfect driving record. I don't think it's fair for insurance companies to penalize people in this manner.

They seem to be unprofessional. I have a perfect driving record with no tickets or accidents in over 50 years. Two months into my policy, I received two late fees, an increase in policy rates, and experienced poor customer service. This has been a headache.

I feel like I was taken advantage of and only received 10% of what I paid for.

I'm fairly new to them. I have never filed a claim with them, yet they raised my rates before I made my first payment!

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

I've had a horrible time in the past 4 years. They've done nothing but raise my rates for no reason. I've never had a claim and have a perfect driving record.

The rates are constantly increasing.

I wouldn't recommend USAA. The prices are way too high for just one car, and even if you bundle, the rates are still too expensive.

This is just another insurance company that seems to prioritize profit over service. Good companies provide a product or service in exchange for the money they earn. It seems like insurance companies, in general, are more interested in taking money and then fighting over every cent when it's time to give back. You may pay hundreds of thousands of dollars to these companies throughout your life, but it feels like they make it difficult to get any of that money back when you need it. Moreover, it seems like they increase your rates when they actually have to pay for something, as if you should be penalized for needing their service. It feels like a system that doesn't contribute positively to the world.

Their insurance is quite expensive compared to others I've seen.

Don't. They've raised my rates every year, which is more than what someone with no accidents or tickets should experience. Especially when competitors quote me $100 less than USAA. Their homeowners insurance is just as poor.

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

Overpriced.

It's difficult to process a transaction due to always getting a different agent on the line. You have to repeat what you are trying to change to each one. Also, there are long wait times.

It's too expensive.

Despite having no tickets or accidents, my renewal rate increases every six months. The rate has doubled in the past two to three years. I managed to save $60 a month by changing the coverage, but a few months later, during renewal, the cost increased by $50 a month.

I'm not happy with how their underwriters decide the cost of your premium.

I believe they're overpriced. They don't trust your account of an accident. Even when I told them I wasn't at fault, they still claimed I was, despite my car being stationary and the other person hitting me. They still deemed it my fault.

The price was great, but I was canceled and I'm still not sure why.

Look elsewhere. When I had a claim, both the auto and homeowner policies blamed each other. Bottom line, neither claim was paid by USAA.

It's good, but remember, you pay for what you get. After all, it's a business!

They're a decent insurance company, but the past three renewals were $100-$150 more for the same coverage for a six-month policy. Save money, shop around.

Their prices have become too expensive. I used to believe that USAA went above and beyond for military people and families. I no longer believe that. Their customer relationship management has significantly diminished over the years, making it no longer advantageous for its members.

I advise caution.

They changed our policy and our prices doubled.

They are overpriced.

They are not very accommodating to a veteran who has an excellent driving record and no claims for more than 20 years.

Stay away. They'll get you hooked and start raising your rates, and keep raising them.

They have poor customer service.

They were good but have gone downhill over the last few years. I'm not satisfied with their service.

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

The rates for truck insurance are too high.

After being with them for over 40 years with no tickets or accidents, all they did was continue to raise my rates time after time. Unfair!

Work better with your customers; don't just shut their insurance off. I thought mine was on auto-pay, but it wasn't. By the time I realized it, they had canceled my policy. Then, less than 30 days later, I called to get it reinstated, and it went up by $100 a month. Plus, nobody could help me, even though my husband asked them to add me to the account so I wouldn't have to verify every time.

Poor phone contact ability drove me mad.

They keep raising the price.

They are quick to raise their rates.

They're not too good at relating to customers.

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

The roadside assistance is terrible. They are not very reliable to show up. I got help only once out of six times.

Your rates are too high for military veterans and seniors.

The prices are extremely high considering the year and make of my car. It doesn't seem to be veteran-friendly anymore.

USAA was always great. However, this time it was the worst experience ever.

They could do much more to improve the customer experience. I've seen major changes for the worse over the last 20 to 30 years.