Is USAA A Good Insurance Company? Reviews From Over 4,316 Customers

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.

The insurance company is great.

There's no place to handle business other than online.

Excellent service.

USAA is an excellent insurance company. They ensure that you are well taken care of and are fully satisfied with their service. Their customer service is very caring and always provides the best care. Today, I called because I had questions about my policies and I connected with a very caring and knowledgeable person named Paul. He ensured that I was satisfied and happy with the service provided by USAA. Thank you very much, Paul. You certainly are a great asset to your employer.

The insurance was good until the price increased significantly.

The service has been excellent. The cost of the insurance could be better, but everything else has been good.

They are cheaper than other insurance quotes so far!

They provide trustworthy and long-term support through all aspects of life.

Expensive.

It was good until we checked the rates of other companies for the same coverage.

I haven't had a reason to file a claim, but for routine questions, they were always available and accommodating.

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 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

They were a good value when I started with them, but after checking with some other insurance companies, the value is gone.

They kept raising the cost of insurance.

When I moved from New York to Florida, they nearly tripled my rates. However, their customer service is great.

Their adjuster for New England is not good. The mindset seems to be more about finding ways to deny claims rather than assisting insured individuals with home damages. I found USAA to be better when I was in Texas.

It seems the rates are high and it has become increasingly difficult to communicate with them.

The premiums are high, yet they are stingy on claims!

I had an accident which was the other driver's fault. When I called in, I was told to contact the other insurance company. USAA did nothing for me. Now that it's time to renew, everybody else seems to be $400 to $500 cheaper. When I asked the representative on the phone if they could do anything for me, she said they don't price match. So now, they've lost a long-time customer.

The rates are bad.

USAA was originally created to serve military officers. Its purpose has changed to include anyone who has honorably served in the military. This has introduced a different level of insurance risk. Rates have increased and as a result, USAA has attempted to reduce its risk in the property and casualty part of its business. It is no longer competitive in homeowners insurance and has elected to only insure homes in low risk areas, eliminating insurance for all coastal properties. They remain marginally competitive in the auto insurance area. I have recently replaced USAA for my home in Charlotte, NC with a Travelers’ policy with coverage for several hundred thousand dollars more and coverage of additional risks not offered by USAA at the same cost. Unfortunately, USAA has been controlled by Harvard MBA’s instead of former military officers. I have been a member for almost 40 years, but I no longer have any loyalty to this member-owned organization.

They won't honor a glass claim.

I'm getting quotes from competitors that are much lower than my current rate.

The rates are not competitive.