Mendota vs USAA Car Insurance

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes
Last Updated: January 2022


Insurify Composite Score

Not Rated
What is this?

Insurify Composite Score

What is this?

Insurify Composite Score

Mendota VS USAA
Not Rated
What is this?
User Ratings
OptionsMendota USAA
7 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsMendota USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsMendota USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionMendota USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionMendota USAA
98,577 Reviews
3,600 Reviews
Financial Ratings
OptionsMendota USAA
A.M. Best--A++
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityMendota USAA
Santa Monica--$50

For Single Drivers

CityMendota USAA
Santa Monica--$89

For Male Drivers

CityMendota USAA
Santa Monica--$82

For Female Drivers

CityMendota USAA
Santa Monica--$57

For Drivers with Speeding Ticket

CityMendota USAA
Santa Monica--$115

For Drivers with No Speeding Ticket

CityMendota USAA
Santa Monica--$59

For Drivers Age Between 18-40

CityMendota USAA
Santa Monica--$95

For Drivers Age Between 40-65

CityMendota USAA
Santa Monica--$49

For Drivers Age of 65+

CityMendota USAA
Santa Monica--$48

For Drivers with Average Credit

CityMendota USAA
Santa Monica--$68

For Drivers with Fair Credit

CityMendota USAA
Santa Monica--$55

For Drivers with Good Credit

CityMendota USAA
Santa Monica--$55

For Drivers with Excellent Credit

CityMendota USAA
Santa Monica--$99

Quotes & Discounts

Discount typeMendota USAA
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Good Student--Varies
Low Mileage--Varies
Military--Up to 15%
Multiple Policy--Up to 9%
Multiple Vehicle--Up to 13%
New Car--Varies
Passive Restraint--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeMendota USAA
Automatic Online Payment
Cash Payment
Credit Card Payment yes--
Electronic Check
Mail Payment
Mobile App Payments
Online Payment
Phone Payment

Features and Services

Features and ServicesMendota USAA
24/7 serviceyesyes
Flexible / convenient paymentsyesyes
Mobile app--yes
Online account managementyesyes
Roadside assistance--yes
Text and email alertsyes--

Optional Coverages

Optional CoveragesMendota USAA
Accident Forgiveness
Extended Coverage
Rental Reimbursement
Roadside Assistance

Uber and Lyft driver insurance

  • Mendota
  • USAA
  • Both

SR‌-22 Insurance by State

  • Mendota
  • USAA
  • Both

Compare Insurance Products

ProductMendota USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Mendota Reviews
  • USAA Reviews
5 Stars
14 %
2 Stars
29 %
1 Star
57 %

Most Positive Review

By Willie
Madonna was great I never had any problems

Most Critical Review

By Darrell
It wouldn't let me give more

All Reviews

Showing 1 - 7 out of 7 Reviews
Sort by

Read reviews that mention

Tyron Kemper
I was insured with this company and had autopay. Do not trust them. They will cancel your policy without telling you. I drove feeling confident that I had insurance and was not. That is a scary thought. Anything could have happened and I would've looked stupid. If you have to use this company then do so without autopay. I never have accidents so I can't rate if they cover you in a accident. I can tell you to not trust that your policy is ok without checking up on them every month. They will give you no notice of cancellation.
Madonna was great I never had any problems
Leticia M.
This is one of the worst car insurance companies ever. I have been with them for three years. My policy started at $124. In those three years my policy has gone up to $161. In those years I have had no accidents no tickets. I have an amazing driving record, no accidents nor tickets or suspended license. It makes no sense to me why the insurance keeps going up instead of down. I recently cancelled my insurance with them and they still took the money out of my checking account after canceling with them. when i called and asked if i would be refunded the full amount i was told the full $161 would be mailed to me in a check. The check took a whole month to be sent to my house. when i received the check i was only refunded $147. i called the insurance company for the missing $14 and no one could help me. i spoke with the representative and she was beyond rude. Not only to mention i waited 15 min before i was even put on the phone with her. when i demanded to speak to her supervisor she constantly kept asking me if i wanted to speak to her supervisor. when i clearly kept asking if she can connect me to her supervisor. The supervisor was no help at all and just kept talking over me saying "whats done is done" basically saying nothing i say is going to get the $14 back. I had went back and fourth with the supervisor wanting my $14 back. i ended my policy and they still took money out of my checking account this is not right and not okay. this company just looks for ways to take peoples money.
It wouldn't let me give more
It wouldn't let me give more
Rebecca G.
As all of the other reviews of this company indicate, this is a HORRIBLE company. I was rear ended by one of their insureds almost two months ago. My initial impression was that their claims rep was very rude to me on the phone. BUT they did get me a check for the initial estimate within a reasonable amount of time. I scheduled my repairs, and as expected, once the collision center took the bumper apart, there was more damage than could initially be seen, resulting in the need for Mendota to approve further repairs. The collision center spent 8 DAYS trying to contact Mendota - AND THEY NEVER SPOKE TO A REAL PERSON!! The left 6+ messages, even went to the extreme of pretending to be someone needing to submit a new claim so they could actually talk to a person (of course, they still couldn't help). My claim rep did return one of the calls, but did so AFTER HOURS and left a message that I was told could not be understood. According to the collision center, the message sounded like the claims rep was talking through a tin can, and the only words the could be understood was someone else's name - but only a first name was provided and no phone number. Turns out that person doesn't even exist in the company. At this point, I decided to stop wasting time and submitted a claim with my own insurance so my repairs can be finished; I can only hope that my insurance will be able to get the money from Mendota and re-pay me my deductible. ALSO, Mendota's "policy" is for the claimant to pay for the rental car up front, and Mendota will (supposedly) reimburse you. I don't have much confidence in that happening, considering how things have been going (and reading other people's reviews) - which means I WILL BE OUT AROUND $600 for the rental until I can get someone to pay me back. If Mendota would have cooperated, this repair would have been done in 7-10 days (no more than $300 for the rental). I'm guessing I will have to fight for them to pay the full amount also, since it has gotten so large (they failed to tell me what the cap is, but my insurance will only do $25/day, max $600 if Mendota doesn't cooperate - which again, leaves me responsible for a chunk of the $30/day car that Mendota approved). Do not even consider getting insurance with Mendota - and if you are unlucky enough to have a collision with one of their insureds, start fighting from the very beginning! I don't know how this company can even still be in business based on my experience, the many negative google reviews, the negative EMPLOYEE reviews, and their lack of BBB accreditation. *Side note, I read the other review, on here, and saw that the claims adjustor was Gary ******** - that is also who I am dealing with.
Davaasuren T.
On May 1st, 2017 I was in an accident involving a Mendoza insured driver. I called the police to the scene and the police determined it was the other person's fault. Citing right of way as the reason. When I called mendota insurance I was told I'll be contacted by an insurance adjuster within 24-48 hours. But I didn't get any calls, so I called back to get the insurance adjuster's contact information. When I called the insurance adjuster he insisted he wants to do his own investigation and asked kept asking me irrelevant questions about the accident. I never met and insurance adjuster face to face and he sent me a link via text message for an app to take photos of my car. So I did what the app asked me to do. A week later I got an email saying my claim was denied. I tried contacting the adjuster back but he never picked up his phone. So I sent an email with photos from the accident scene and full detailed summary of the events leading up to the accident. It's been over a week since then and I haven't gotten any calls back or email replies. I have a feeling they're running some sort of insurance fraud over there. What got my blood boiling was the how the insurance adjuster threatened me with fines and jail on the letter he sent. Why was I being threatened for having my property damaged and for trying to get it fixed? The insurance adjuster's name is Gary *********. He now have all the facts in the email I sent him. This should have been an easy claims process. Instead it's an nightmare and I am even considering filing a suit.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.