Is USAA A Good Insurance Company? Reviews From Over 4,066 Customers

The rates are very competitive and the customer service is excellent.

My only objections are their rates and the difficulty in reaching an agent.

After 43 years, they have significantly raised my rates. Charging $1 per mile is outrageous.

Great coverage, but more affordable options do exist.

The technology and app are disappointing. The app often freezes or fails to load a page as needed. Recently, the website locked my account for no apparent reason. The company seems to be growing too large and straying from its original core values of serving military members. In my opinion, they spend too much money on celebrity advertising instead of reducing rates.

Amazing customer service.

It's a great company with good coverage, but we are retired and living on a retirement budget. We are unable to continue with the recent premium increases. We need to reduce our expenses!

Excellent

Excellent customer service.

Responsive Insurer.

Excellent rates on car insurance

Excellent - they were quick when I had an accident and were very kind and polite.

The woman who helped me was very friendly and took a lot of time to help me understand what options I had.

I've been with USAA for a while and they were great in the beginning. However, after experiencing some misfortunes, including a few accidents - one of which was my fault, my insurance rates skyrocketed. I can no longer afford them, which is why I'm currently shopping for another insurance company.

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'.

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.

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.