Ratings
Quotes & Discounts
| Discount Type | Root | USAA |
|---|---|---|
| Family Discount |
--
|
up to 10% |
| Defensive Driver Discount |
Varies
|
Varies |
| New Car Discount |
--
|
Varies |
| Passive Restraint Discount |
--
|
up to 15% |
| Vehicle Storage Discount |
--
|
up to 60% |
| Driving Habits Discount |
Varies
|
-- |
| Low Mileage Discount |
--
|
Varies |
| Student Away at School Discount |
--
|
up to 20% |
| Multiple Policy Discount |
--
|
up to 9% |
| Driving training discount |
--
|
Varies |
| Seat Belt Use Discount |
Varies
|
-- |
| Anti-Theft Device Discount |
--
|
up to 20% |
| Home Owner Discount |
Varies
|
-- |
| Paid in full discount |
Varies
|
-- |
| TeenSmart Discount |
--
|
Varies |
| Good Driver Discount |
Varies
|
up to 10% |
| Anti-lock Brake Discount |
--
|
Varies |
| Multiple Vehicle Discount |
--
|
up to 13% |
| Daytime Running Lights Discount |
--
|
Varies |
| Military Discount |
--
|
up to 15% |
| Early Quote Discount |
Varies
|
-- |
| Loyalty Discount |
Varies
|
Varies |
| Good Student Discount |
--
|
Varies |
| Accident Forgiveness |
--
|
Varies |
Insurance by State
- Root
- USAA
- Both
Uber and Lyft driver insurance:
- Root
- USAA
- Both
Compare Insurance Products
| Product | Root | USAA |
|---|---|---|
 Aviation Insurance |
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 Boat Insurance |
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 Car Insurance |
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 Classic Car Insurance |
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 Collectibles Insurance |
--
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 Condo Insurance |
--
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 Dwelling Fire Insurance |
--
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 Farm Insurance |
--
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 Flood Insurance |
--
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 Home Insurance |
--
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 Life Insurance |
--
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 Mobile Home Insurance |
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 Motorcycle Insurance |
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 Personal Articles Insurance |
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 RV Insurance |
--
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 Renters Insurance |
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 Small Business Insurance |
--
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 Umbrella Insurance |
--
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User Reviews
Most Positive Review
Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.
Most Critical Review
December 19, 2018
I was a customer of USAA for years, then discovered that they had someone else's car on my policy (and had removed my car). When I spoke to them about it, they said that if they had to research it find out whose fault it is, that they would retroactively raise my rates for the past two years - even though my car is 4 years older than they can that was insured. Amazing how quickly the conversation turned from "lets see what's happening" to "we need to cover our ass and make this issue go away". This isn't doing what's right for the customer. As a result, I shopped them and discovered that I could get identical coverage with another national insurance carrier for half the annual cost.
October 23, 2017