Is USAA A Good Insurance Company? Reviews From Over 3,692 Customers

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

Awesome, more than I expected.

I would like to pay my bill myself, but I can't access the payment section to make changes. They keep raising rates, and I'm forced to pay insurance on a car that doesn't run. I don't think this is fair.

I love the level of service and the products they offer, but it is becoming too expensive.

It's cheaper than anyone else, if you or your family served in the military.

USAA's Safepilot often makes mistakes. Despite this, their insurance rates remain quite high.

Awesome

The company is good, but it has become too expensive.

If you have an opportunity to work with USAA for your insurance needs, I'd choose them over any other insurance company right now. I guess it's because they have offered me better rates that no one else can beat yet!

The agents are friendly and provide prompt service. However, the premiums seem rather high. The auto insurance for Arizona is much higher than that of California.

Excellent, but not price competitive anymore.

It's good as long as you never file a claim.

Great insurance. It's easy to contact them for any reason.

They are responsive and easy to deal with. I earn back money periodically as a loyal customer. They offer SafePilot as an incentive to reduce premiums.

After all these years, I have never had one problem. Great company, great staff.

They provide coverage exclusively for active and veteran servicemen, along with their families. I believe every insurance company should offer something extra for veterans.

No one beats USAA.

They addressed all of my concerns, so I stayed with them.

I've been impressed with how they've handled my situations.

USAA is a good insurance company.

Their storage program is very good.

This used to be a great service, but now I am looking for a lower insurance cost. I am making $2000 less a year. It's hard to pay $188.00 a month when I only get $1480 a month.

They are always helpful when you call, and they are respectful to the members.

USAA truly cares about their customers and goes above and beyond to ensure they are well taken care of!

They have always fulfilled my requests. I have been with USAA for 32 years.

There is no senior discount available.

Don't hesitate to follow up and express your concerns. They used to be excellent, but now they are just good. I have been a member for over 60 years.

It's been a great experience. I need to spend less money on my insurance now, if possible.

Great, I have no complaints.

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

I would highly recommend USAA to any of my friends. The employees are always courteous and have answers to any questions you may have.

Invest more in customer service and less in advertising.

They have been great over the years.

Lower the cost of vehicle insurance.

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.

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.

My original insurance representative was great. However, every time I called in with questions or issues, I got a different person. You can read my file and see everything that occurred. I have been with USAA for 15 years and have always bragged about how great they were. This time was very different. I even asked if someone else had taken over the insurance department. The last lady I spoke with accused me of insurance fraud. I am not happy with how anything was handled.

The service is great. The only issue I have is that my payments keep going up. Are there any discounts for being a veteran? Is this like the VA, where if you don't ask about discounts, they won't tell you? Please let me know. Thank you.

The service quality has greatly decreased with uninterested call takers and rude responses. The insurance costs are too high for the little amount I drive. I've been with USAA for close to 30 years, and I feel that I should be appreciated rather than feeling taken advantage of.

Difficult to deal with and prices too high.

The auto and property insurance is too high.

I was lied to about the service when I cancelled. Their website doesn't have an easily discoverable place to cancel. They are much more expensive than others for less coverage.

I'm reviewing USAA based on their SafePilot app and premium invoices. The app is frustrating. For the first few months, it rated me at 99 with occasional lower scores. Then, one day, all the data changed and it continuously rates me between 76-77. No matter how far I drive, it never rates above 77. Another issue I have is with the invoice for our premium. It doesn't clearly state when and how much is due. However, my dealings with claims and other personnel have been 5-star experiences.

Hard to reach.

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.