USAA vs Utica National Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

USAA
96
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Insurify Composite Score

Utica National
Not Rated
What is this?

Insurify Composite Score

USAA VS Utica National
96
Not Rated
What is this?
User Ratings
OptionsUSAA Utica National
Rating/Reviews
1,031 reviews
1 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsUSAA Utica National
Call Center RepresentativeAmong the best--
Insurer WebsiteAmong the best--
Local AgentAbout average--
Overall SatisfactionAmong the best--
Policy OfferingsAmong the best--
PricingAmong the best--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsUSAA Utica National
Claim ServicingBetter than most--
Estimation ProcessBetter than most--
First Notice of Loss (FNOL)Among the best--
Overall SatisfactionAmong the best--
Rental ExperienceBetter than most--
Repair ProcessAmong the best--
SettlementBetter than most--
J.D. Power Ratings by Region (out of 1000)
RegionUSAA Utica National
California894 pt
Among the best
--
Central906 pt
Among the best
--
Florida888 pt
Among the best
--
Mid-Atlantic896 pt
Among the best
--
New England893 pt
Among the best
--
New York900 pt
Among the best
--
North Central905 pt
Among the best
--
Northwest896 pt
Among the best
--
Southeast894 pt
Among the best
--
Southwest887 pt
Among the best
--
Texas899 pt
Among the best
--
Mobile App Ratings
RegionUSAA Utica National
Android
98,577 Reviews
--
iOS
3,600 Reviews
--
Financial Ratings
OptionsUSAA Utica National
A.M. BestA++--
FitchAA+--
Moody'sAa1--
Standard & Poor'sAA+--

Auto Insurance Quotes

For Married Drivers

CityUSAA Utica National
Austin$48--
Chicago$47--
Philadelphia$31--
Phoenix$39--
Santa Monica$50--

For Single Drivers

CityUSAA Utica National
Austin$61--
Chicago$69--
Philadelphia$41--
Phoenix$58--
Santa Monica$89--

For Male Drivers

CityUSAA Utica National
Austin$55--
Chicago$59--
Philadelphia$38--
Phoenix$52--
Santa Monica$82--

For Female Drivers

CityUSAA Utica National
Austin$54--
Chicago$57--
Philadelphia$35--
Phoenix$44--
Santa Monica$57--

For Drivers with Speeding Ticket

CityUSAA Utica National
Austin$73--
Chicago$85--
Philadelphia$45--
Phoenix$69--
Santa Monica$115--

For Drivers with No Speeding Ticket

CityUSAA Utica National
Austin$51--
Chicago$52--
Philadelphia$35--
Phoenix$44--
Santa Monica$59--

For Drivers Age Between 18-40

CityUSAA Utica National
Austin$61--
Chicago$71--
Philadelphia$42--
Phoenix$59--
Santa Monica$95--

For Drivers Age Between 40-65

CityUSAA Utica National
Austin$44--
Chicago$43--
Philadelphia$28--
Phoenix$35--
Santa Monica$49--

For Drivers Age of 65+

CityUSAA Utica National
Austin$71--
Chicago$66--
Philadelphia$46--
Phoenix$57--
Santa Monica$48--

For Drivers with Average Credit

CityUSAA Utica National
Austin$59--
Chicago$68--
Philadelphia$41--
Phoenix$51--
Santa Monica$68--

For Drivers with Fair Credit

CityUSAA Utica National
Austin$57--
Chicago$55--
Philadelphia$37--
Phoenix$46--
Santa Monica$55--

For Drivers with Good Credit

CityUSAA Utica National
Austin$45--
Chicago$47--
Philadelphia$32--
Phoenix$38--
Santa Monica$55--

For Drivers with Excellent Credit

CityUSAA Utica National
Austin$57--
Chicago$62--
Philadelphia$35--
Phoenix$57--
Santa Monica$99--

Quotes & Discounts

Discount typeUSAA Utica National
Vehicle StorageUp to 60%--
Anti-Theft DeviceUp to 20%Varies
Student Away at SchoolUp to 20%Varies
MilitaryUp to 15%--
Passive RestraintUp to 15%Varies
Multiple VehicleUp to 13%Varies
FamilyUp to 10%--
Good DriverUp to 10%--
Multiple PolicyUp to 9%Varies
Accident ForgivenessVaries--
Anti-lock BrakeVariesVaries
Daytime Running LightsVariesVaries
Defensive DriverVaries--
Driving trainingVaries--
Good StudentVariesVaries
Low MileageVariesVaries
LoyaltyVaries--
New CarVaries--
teenSMARTVaries--
Company Car--Varies
EV/Hybrid--Varies
Electronic Stability Control--Varies
Paid in full--Varies
Preferred payment--Varies

Payment Methods

Discount typeUSAA Utica National
Automatic Online Payment
yesyes
Credit Card Payment --yes
Debit Card Payments --yes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Phone Payment
--yes

Features and Services

Features and ServicesUSAA Utica National
24/7 serviceyesyes
Diminishing deductible--yes
Enhanced towing & substitute coverage--yes
Flexible / convenient paymentsyesyes
Mobile appyes--
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesUSAA Utica National
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
--yes
Airbag Replacement Coverage
--yes
Emergency Assistance Coverage
--yes
Extended Coverage
yes--
Gap Insurance
--yes
New Car Replacement Coverage
--yes
Personal/Upgraded Item Coverage
--yes
Pet Coverage
--yes
Rental Reimbursement
yes--
Roadside Assistance
yes--
Vanishing Deductible
--yes

Uber and Lyft driver insurance

  • USAA
  • Utica National
  • Both

Compare Insurance Products

ProductUSAA Utica National
Personal Articles InsurancePersonal Articles Insuranceyes--
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insuranceyes--
Boat InsuranceBoat Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Collectibles InsuranceCollectibles Insuranceyes--
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyes--
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyes--
Small Business InsuranceSmall Business Insuranceyes--
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • USAA Reviews
  • Utica National Reviews
4.1
5 Stars
65 %
4 Stars
9 %
3 Stars
9 %
2 Stars
5 %
1 Star
12 %

Most Positive Review

By Donna
Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.

Most Critical Review

By Roo
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.

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Read reviews that mention

Kelli Carpenter
I have been a loyal customer of USAA for 31 years. They just dropped me. GO SOMEWHERE ELSE
John Jacott
Been with USAA for years. Sadly, my two sons each had an accident in Feb, 2020. USAA screwed them both on the claims. We're moving to Geico now, after being 3rd generation USAA members
Alberta
I signed up for roadside assistance when I first got USAA about 2.5 years ago. The first time I needed help, I had a dead battery. They had no service providers in my area and we're generally no help, so I took a taxi then borrowed a vehicle in order to purchase a battery. The second time it was a flat tire. It took over 6 hours (of time I should have been asleep, as I was on night shift) of calling and social media requests before someone actually arrived to help. Then, I try to cancel the service 4 times, via a message on their website, via chat, with a phone call, and finalky with a letter sent via USPS. They didn't respond at all, until I filed a BBB complaint. Then they offered to backdate my cancellation, saving me $8.
Bob
So far
Martha
Lousy lousy customer service in claims. Wat to expen. In cost and deduc.
Ronald
So friendly & courteous.
Daniel
Bad service!
Ashton
Not very knowledgeable with how different each state handles car insurance
JOHN MCNALLY III
great service great price. i was just checking in accordance with our best capitalist tradition!
Jakeiyah
Showing 1 - 10 out of 1000 reviews

Methodology

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.