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

They are becoming too expensive. The rates increase at every renewal.

Great

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

The monthly rates are expensive, but the service and coverage are excellent.

Good service.

The best in all aspects.

I've been with USAA for over 29 years. They are an excellent company and I've had no problems with them ever.

Excellent. My premium increased significantly, so I needed to ensure it was competitive!

I love USAA, but they charge 1% of the value of your home for your roof replacement deduction.

They aren't the cheapest, but they are definitely a quality insurer.

I feel that the pricing is too high for just two vehicles, especially considering one is paid off.

The personal customer service is excellent. However, the automated agent is horrible.

It's not as good and it's overpriced.

The service is excellent, except for the automated system.

Since the summer of 1958, I have been overseas without any breaks. There hasn't been a problem. Thank you, USAA. - Jim

I really love USAA. I'm only considering leaving due to the higher premiums.

Excellent

I have nothing negative to say about USAA insurance. Sadly, when comparing like-for-like coverage, other carriers just have superior pricing. So, if money wasn't an issue, I wouldn't be switching. But at the end of the day, I will save $1200 a year by leaving USAA. I can only hope the customer service at my new company is on par.

Overall, I'm very satisfied. However, the constant price increases make it less competitive compared to other insurance companies.

The automated system is frustrating before you can speak to a person.

They continue to increase premiums, even without any tickets, accidents, or violations.

Excellent

Excellent, but expensive. I will be keeping them for my other two SUVs.

Generally, the service is good. However, recently they made an error by charging my direct payment account more than what was due on the billing notice. They did this without giving me any notice or reason for the additional charges. This raises concerns about their transparency.

The service is great, always willing to help. I was hoping to find a better rate, but after looking, USAA has the lowest for me.

Excellent

I was irritated that I couldn't accomplish what I wanted online, but the agent was great!

I have been a member for 17 years and their customer service is second to none! I only wish the rates for Florida drivers were lower. These employees are all class acts. I'm thankful for their service to Veterans and active duty.

If you're not a descendant of military personnel, then you can't get coverage.

Read everything, even between the lines.

I've been with them since 1968 and it's been great.

Their prices are becoming too high.

The agent was excellent.

Outstanding all the time.

I have yet to receive a quote that beats USAA!

Just call them, they are extremely helpful.

Excellent, but I have no experience with claims, which is good.

I haven't had any claims. Based on other people's experiences, I would rate it as excellent.

Everything is excellent, except for the automated answering system.

The rate increase is not good. They are not local.

It's a good company, but the price increases every year.

I have been with them for 30 years.

My experience has been very good, so I would definitely recommend this company to anyone who qualifies for coverage.

It's great and cheaper than any other insurance companies.

No worries, no problems.

Good

I've received better treatment from USAA than any other insurance company. Unfortunately, I need to save money and am currently comparing prices.

It seems to be the best for the price for my age group.

Very satisfactory.

It's fine, just too expensive compared to what I currently pay.

Excellent service and quick claim resolution.

USAA has always been a wonderful insurance company for me. I have been with them for over 40 years. However, their rates have increased significantly, prompting me to compare their prices with other companies to ensure I'm getting a good deal.

The only reason I'm looking for automobile insurance is because USAA canceled my policy on the 24th. I no longer have the phone that is in my profile and they were unable to send the 6-digit code for verification. So, basically, I was and still am locked out of my account. The representatives couldn't discuss my account with me due to strict security.

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

Four or five star service.

They're okay. I would recommend them.

The price became too expensive.

The customer service is always professional and helpful. I am thankful for the great people they employ.

Good company.

Overall, they're great. However, they keep increasing their prices, causing me to look elsewhere. I have been with them for over 30 years.

The rates change too often without any real notice.

The price increases are way too high for having no claims since signing with USAA in 2013!

The auto insurance is way overpriced.

Their customer service is horrible.

I was blamed for an accident that wasn't my fault.

I got into an accident that was entirely the other driver's fault. The other driver merged into my lane and totaled my vehicle, which made no sense. In my experience, USAA's service was unsatisfactory.

Despite having a clean driving record, my rate was more than double what other agencies were quoting. Even though I'm a veteran and USAA is a pro-military organization, I felt like just another customer who could be taken advantage of because of my prior military service.

They failed to pay the total amount for services I required following a car accident and car rental. I had several long, extended conversations with the car rental agency and USAA. They paid some of it, but never the full amount. Therefore, I paid for the deductible and some of the rental car charges, which was wrong. USAA did not stand by or deliver the services I faithfully paid for each month on my insurance bill. Some members of USAA were rude as well. USAA cares more about their financial welfare than that of their customers. Horrible insurance.

They towed my car to a place for wrecked vehicles without informing me beforehand. The car, an '08 Chevy Trailblazer, only had some body damage. It was in good condition with new tires, a great engine, and not many miles on it. I was under the impression that I would take it to a body shop. I just didn't like the way they handled everything.

I tried to lower my rate and drop a vehicle, but then I got a rate increase. My wife was rear-ended by another USAA policy holder. I have one ticket and have been with them for 5 years, accident-free except for my wife's incident, which was not her fault! I got a quote for $762 less a year, which will be even better when I also switch my house insurance. I'm sure I'm getting a bad rate. If they cared, they would automatically drop my rates. They did a little bit during COVID, but it was far from what I should have paid because for 4 months I drove maybe 100 miles.

They treated me with disrespect and judgment for something not relevant to my auto insurance.

They are hard to get a hold of, and they don't explain the insurance details very well. Also, their charges are always different than what you get quoted.

A distracted driver tapped my bumper, but USAA did right by me. The dealership did too. USAA did drop my premiums, but not enough.

The executive team, consisting of generals and admirals, is making operational decisions that are detrimental to the general membership. These decisions include selling investment brokerage services to Charles Schwartz, increasing auto and home insurance premiums without notice or negotiation with the customer, and paying below market interest rates on savings and CD rates.

I was left hanging on the phone for 15 minutes.

Years ago, my rate was $62 a month with no accidents and one ticket. Now, I pay $130 a month. The rates have been skyrocketing.

The customer service is not very good. The policy goes up every six months.

When I first purchased car insurance, they offered a great price. However, in the two years I’ve been with them, my insurance premium has increased twice. I’ve never been late on a payment and there have been no issues that would have impacted this change. It went from $119.00 to now $160.00.

A couple of years ago, this company started using a third-party organization to rate its members for insurance purposes based on their credit and risk. My rate jumped nearly $100 a month because my credit was impacted by a foreclosure and bankruptcy after the market crashed in 2009. Despite never having an accident and being a member for 20 years, I was told there was nothing they could do for me. Absolutely ridiculous.

It's expensive, they double charge.

I can't believe that even with all my discounts, you guys were $800 more expensive than Geico.

They changed the plan we had agreed upon, and I had to switch insurance carriers.

Like most carriers, liability rates for very experienced drivers are outrageous. Despite having no citations for many years and no major citations ever, it seems like there might be Red Lining in certain areas. I remember when rates for collision were higher than liability. I suspect Las Vegas is a target and drivers like myself have to pay through the nose. I feel like I have no choice. They're all the same. Liberty Mutual spends big bucks on advertising, but won't even give me a quote. It's amazing to me the billions that are spent annually on advertising for my auto insurance.

Looking for new insurance. I'm disappointed that you call yourself a military insurance provider, supposedly to help us save money. However, all you are doing is raising my rates, despite the fact that I've had no tickets or accidents for over 4 years. You should be lowering my insurance, not increasing it. I'm also not a fan of your security questions. You don't know my daughter's age and phone number, so how is this relevant to security questions? It seems like you just want her contact information. She's not interested in your services because of how you've treated me and overcharged me. I've found cheaper insurance for $60.00 a month, compared to your high charge of $130 a month. I plan to share my experience with your company on social media.

They talk fast and charge too much money.

My insurance premium went up by 100%.

House insurance price

The customer service in claims is lousy. It's too expensive in cost and deductible.

They are not very knowledgeable about how different states handle car insurance.

They are overcharging me!

First off, the name is not Ted. The hold times were way too long! The computer was down and I had to verbally approve five questions, which was annoying. It took forever to get to the right department. The only good thing was that the agents were nice.

They were rude to me when I made a no-fault claim. I was given incorrect information and no options. Thankfully, the claim was paid by the responsible party.

There's a lack of prompt response after an accident and the price increases every 6 months.

They increased the insurance from $163 a month to $246 without any warning or communication. There was no valid reason for this, so I am looking for a better insurance company.

They keep raising rates.

Customer service is not handled well.

They canceled my policy due to an outstanding $15, then wanted to raise my rates for a new policy.

I am really disappointed with USAA. Last year, they raised my payment for no apparent reason. Now, they want to raise my payment because of a claim, which is absurd. They say I am a risk, despite the fact that I have never been in an accident in the 42 years I have been driving. I have three cars insured and two houses. I will be looking for another insurance company that is cheaper. I am very disappointed, as I thought USAA helped disabled vets.

My husband had a couple of tickets, including a DUI, and the company raised my rate, which I do understand. I had insurance for the next three years, then the company dropped my policy, citing my household's driving record. However, they covered my vehicle for three years after my husband received the other tickets.

I had full coverage. Then I was in a car accident. I found that their app had a glitch that removed my collision coverage. They claimed that their IT team's investigation revealed that I had declined the collision coverage in the app. However, I had everything else for full coverage. When I asked when this supposed change happened, they said October 20, 2018. That's the day I bought my brand new 2019 Kia Soul+. What they interpreted as me declining coverage was actually me adjusting my deductible to $1000. The app glitched, but they blamed me for their mistake. Now, I have to pay $3100 to get my brand new car fixed. They didn't cover the repairs from the accident, even after I proved that it wasn't my fault. My father has been a loyal customer of their insurance and banking services for over 20 years. I was required to have full coverage to leave the dealership. They didn't listen to me and seemed to just not want to pay. I am extremely frustrated with them and feel like they're taking advantage of me.

They provide inaccurate quotes. Then, they send me a letter questioning my quote after I've signed up.

Very costly

The rates keep increasing every time I renew.

The customer service is not good.

There have been several incidents with USAA that I'm not happy about.

Little service and increasing costs each year.

They are charging me too much for one car, even though I'm on a fixed income.

Bad customer service.

The price is too high. The road service is awful.

Their customer service staff is not up to the mark. It seems like they insure you hoping that you won't actually need to use their products, and then they drop you once you do. They certainly don't stand by soldiers and their families.

The rates are constantly increasing.

They are overpriced and overvalued.

It started out with no problems, but then the customer service gradually got worse to the point of not being able to communicate or be heard.

They're price gouging on my auto policy. I paid 1/4 of the cost with Geico.

The price could be cheaper.

Handling of claims

The premiums are too high.

I'm not satisfied with their service. They seem to consistently disappoint customers. Their services are subpar, and they lack overdraft protection. They seem to charge for every little thing. Although USAA is meant for veterans, I feel like they are taking advantage of us veterans.

I couldn't add my daughter to my insurance policy, so I will have to find another provider who can assist me.

I have USAA, but I cannot get a quote on anything. I want a quote on home and car insurance.