Is USAA A Good Insurance Company? Reviews From Over 3,604 Customers

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.

I drive more than one car, including others' vehicles where I'm insured. I might only drive my own vehicle once or twice in two weeks. They track my travels from my cellphone, assuming I'm driving my vehicle, but that's not always the case. How do I communicate to them when I'm actually driving my own vehicle?

They start off with low prices and then increase them.

High care factor.

USAA is a great company. It provides excellent customer service.

I love USAA and have been insured by them for 35 years. Unfortunately, their rates have skyrocketed and I can no longer afford them. It saddens me that after all my years as a faithful customer, I am being forced to seek insurance coverage elsewhere.

I have always had excellent service. It's more expensive than some others.

USAA is a great company, unfortunately, the rates went up a lot!

Very good.

They performed well when needed.

Great customer care!

I am okay with USAA auto insurance.

I have no issues. I am just doing comparative shopping.

Overall, it's value for the dollar.

My experience with USAA has been excellent, quick, and easy. I've had two claims over the past ten years and both were handled with care, compassion, and ease.

It's very good, I don't really want to change.

I've been with them for 55 years, this says it all!

USAA has been great, other than the slow processing of our claim when my husband had an accident. They still haven't paid the hospital bills. I haven't had a terrible experience with them, just looking for something cheaper if it's available.

Check around for rates.

The staff is very nice. I'm new with them and have never filed a claim.

They are fair.

USAA has become increasingly expensive. We can't afford to pay over $2000 for six months of coverage.

Very good service overall.

They increased my monthly payment by $125. They only explained that everyone in VA experienced a rise. When I asked when it would decrease, they did not provide a specific time. I would like to point out that my car's catalytic converter is under the hood and attached to the cylinder head, not underneath the car.

USAA started off well, but the price has increased without any explanation. We had trouble with their driver monitoring system. It took several calls to get it fixed, and it still doesn't seem accurate.

Shop around for coverage and compare exact coverages with other insurers. Depending on your area, USAA might not be the best option.

Too expensive.

Great experience

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.

Increase in premium

Too expensive.

They claim to support veterans, but they keep increasing their prices.

They doubled my payments for no reason.

They're raising my rates. I can't afford the rate as I am on social security!

Poor customer service.

I've had one auto claim. They sent it to an unauthorized shop and used used parts. They left the fender unbolted and took so long that the rental car ran out.

The communication system is horrible!

They have increased my rates and denied me services, even though I have been banking with them since 1998. They have also denied me auto and personal loans. I need individual insurance, not household insurance.

They quote a low price, but then, without notice, your insurance doubles even without tickets or accidents.

They cancelled my car rental twice while I was waiting for my parts to arrive and for the body shop to schedule repairs.

There's no waiting to get answers.

They are raising my insurance too much.

The claims adjusters and agents are very confrontational and unprofessional. They lack civility and respect. Their business practices are nightmarish, as they seem eager to assign fault and close the claim. They are rushed, hurried, and rude.

My insurance went too high after a wreck, and I can't afford it. It was 60/40. I know the police report is written in stone, however, a mistake was made.

The customer service and ability to update the phone number are commendable.

The premiums have increased every year since we joined. My car, which is a 2017 model and has less than 25k miles on it, should not warrant such increases. It's ridiculous that my rate keeps going up.

They are rude, and unlike other agencies, they don't offer a grace period. They charge a late fee even though you've paid it through your agency.

They have poor communication with their customers.

They won't insure Florida houses. I had to sue them three times to get paid on two different claims. Once to get PIP and then to collect for an underinsured motorist who hit my wife. They lost instantly in court on the PIP. Their lawyers kept advising USAA to pay policy limits on the second claim and finally they did, two years later, an hour before court. Much later, when a red light runner totaled my brand new truck, they tried to pay me 70%. After three years, they settled for more than I initially wanted. As a veteran, they hold a 'special' place in my mind on this Memorial Day weekend.

The rates are too high.

Three other competitors have lower rates, but USAA said they couldn't match them, even though I have no accidents in 40 years, no DUIs ever, and no traffic violations in 50 years.

After being a premium customer for over 20 years, they gave me a very high rate.

Your answering process is too tedious.

They raise prices for no apparent reason.

Because there is no grace period like our former insurance company had, and you charge a late fee if you receive the payment the next day, I might look into another company.

Not great service once you're a member.

They tend to make changes and cancellations to coverages randomly and with poor communication with the customer.

Average. They keep increasing costs greater than the cost of living, even without claims.

They are overpriced. I was with them for 15 years and they charge $100 more a month than Geico.

Very expensive.

They lied to me and raised my rates.

The first line of customer service is inexperienced.

They are disorganized, hard to get hold of, and there's so much miscommunication. They do not care for their clients.

They raised my insurance too high.

They increased my rates without any accidents or tickets.

I intended to give two stars. The reason why I am giving USAA such a low rating is because of a recent experience. The police told USAA that an accident was the fault of the other driver of a truck. I was not behind the wheel, my aide was. The key point is that both I and the police agreed the other party was at fault. The problem is that USAA has a system which seems to make them lose cases. This is due to mandatory arbitration. The issue with this arbitration is that the other side can indicate that they have evidence which is not available to USAA or to their client, me, and this is not to be divulged to me or USAA as part of the agreement to do this procedure. This allows the guilty party to get away with the accident because USAA does not want to get involved in lawsuits or any righteous way to determine guilt. So instead of shared guilt which most suits are about, USAA will allow the other companies to get away with accidents by the arbitration procedure which does not reveal the other parties' evidence to either their client or themselves. This means USAA sets up their clients for losses that they could have gotten back, plus the reputation for accident guilt which is baseless, because USAA let the other insurance company and their client off the hook by the arbitration procedure I am talking about. Not only did I lose a case where the fault of the accident according to the police, and myself as a witness, was the other party's fault, but USAA set me up for this bad reputation by their arbitration procedure which did not allow me to see what evidence the other party was offering. This allowed the other side to find people who were not at the accident to make false testimonies. So, if these people can't be questioned by the arbitration procedure and remain unknown while the police report is the public report of a known police officer, I lose my deductible and my reputation because USAA accepts a dishonest arbitration that has a 'beat it' procedure, and does not give extreme weight to what the police investigation revealed. To put it simply, USAA is letting its own policyholders down.

They are raising my insurance payment.

They don't coordinate my homeowner's insurance payment with my escrow account!

Automated phone system