|Insurify Composite Score||95||Number of discounts||19||Number of reviews||949||User Rating||4.1||A.M. Best||A++||Standard & Poor’s||AAA|
|Overall Satisfaction||Among the best|
|Policy Offerings||Among the best|
|Pricing||Among the best|
|Insurer Website||Among the best|
|Local Agent||About average|
|Call Center Representative||Among the best|
|Overall Satisfaction||Among the best|
|First Notice of Loss (FNOL)||Among the best|
|Estimation Process||Better than most|
|Settlement||Better than most|
|Repair Process||Among the best|
|Rental Experience||Better than most|
|Claim Servicing||Better than most|
|Southwest||887||Among the best|
|Southeast||894||Among the best|
|Texas||899||Among the best|
|Central||906||Among the best|
|Mid-Atlantic||896||Among the best|
|New England||893||Among the best|
|Florida||888||Among the best|
|California||894||Among the best|
|New York||900||Among the best|
|North Central||905||Among the best|
|Northwest||896||Among the best|
|Standard & Poor's||AAA|
The largest discounts from USAA are: Vehicle Storage Discount, Anti-Theft Device Discount, Student Away at School Discount
|Discount Type||Discount %|
|Vehicle Storage Discount||up to 60%|
|Anti-Theft Device Discount||up to 20%|
|Student Away at School Discount||up to 20%|
|Military Discount||up to 15%|
|Passive Restraint Discount||up to 15%|
|Multiple Vehicle Discount||up to 13%|
|Good Driver Discount||up to 10%|
|Family Discount||up to 10%|
|Multiple Policy Discount||up to 9%|
|Driving training discount||Varies|
|Daytime Running Lights Discount||Varies|
|New Car Discount||Varies|
|Low Mileage Discount||Varies|
|Good Student Discount||Varies|
|Defensive Driver Discount||Varies|
|Anti-lock Brake Discount||Varies|
USAA has offered its customers exceptional service and superior insurance coverage for over 90 years. USAA serves active military personnel, veterans, and their families.
USAA provides customer support 24 hours a day, 7 days a week, and allow their members to access their policy, make payments, and contact their agents online or through their mobile app. Payments are flexible and can be made in tandem with military pay schedules.
USAA members can take advantage of USAA Auto Circle car buying service, guaranteed policy renewal, and additional coverages like roadside assistance.
Learn more about USAA Life Insurance.
USAA offers a variety of life insurance plans, including term life benefits specifically for military members.
lasts for a period of 10, 15, 20, 25, or 30 years. During your policy period, your coverage amount and premium payments are guaranteed to stay the same. USAA offers special term life benefits, including:
coverage lasts a lifetime, and your premium payments build cash value. For the length of your policy, your coverage amount and premium payments are guaranteed to remain the same. Whole Life benefits from USAA include:
lasts a lifetime and allows you to change your coverage amount and premium payments at any time. Universal Whole Life benefits from USAA include:
USAA offers full coverage car insurance, as well as optional protections.
Full coverage from USAA auto insurance includes:
Optional coverages include:
USAA offers comprehensive renters insurance to protect your liability and personal belongings, including clothing, furniture, electronics, phones, cameras, jewelry, and more.
Standard renters insurance from USAA includes:
USAA offers insurance coverage to protect your home and personal belongings from fire, theft, vandalism, liability, identity theft, and most weather-related events.
Basic homeowners insurance coverage from USAA includes:
Optional coverages from USAA include:
USAA offers landlord insurance, also known as dwelling fire insurance, for up to ten tenant-occupied rental properties.
A landlord insurance policy from USAA includes:
USAA offers Valuable Personal Property (VPP) insurance to its homeowner and renter insurance policyholders. This policy provides higher limits and extended coverage for your valuable possessions, such as jewelry, guns, cameras, instruments, fine art, furs, etc.
Valuable Personal Property policies include:
USAA offers flood insurance through the National Flood Insurance Program, which provides a maximum of $250,000 in building coverage, and $100,000 for personal belongings.
USAA offers basic and optional condo insurance coverages to protect what your association’s master policy cannot.
Basic condo insurance includes coverage for:
Optional condo insurance coverages from USAA include:
USAA offers mobile home insurance through a third party insurance company. Coverage options include:
USAA offers extensive farm and ranch insurance for small to medium-sized growers and ranchers. Protect your farm home, property, and liability with coverage for:
USAA offers additional farm related insurance coverage for:
USAA offers specialized policies for collectible items, including military memorabilia, stamps and coins, vintages toys and dolls, sports memorabilia, wine, and more.
Each USAA collectibles policy includes:
USAA offers up to $1 million in additional personal liability insurance to protect you from lawsuit claims that exceed your homeowners and auto insurance limits.
Umbrella insurance helps to protect your property, savings, investments, retirement fund, and future wages. It can also pay for legal defense costs.
USAA offers motorcycle, ATV, moped, and scooter insurance coverage through a third-party insurance partner.
Motorcycle insurance coverage through USAA includes:
USAA offers boat and yacht insurance coverage through a third-party insurance company. Its boat insurance policies can cover a variety of watercrafts, including sailboats, motorboats, Jet Skis, WaveRunners, houseboats, pontoon boats, and more.
Standard coverage includes:
USAA offers recreational vehicle insurance for your motorhome, pop-up camper, fifth wheel, slide-on camper, and travel trailer.
RV coverage options include:
USAA provides insurance coverage for your classic cars, exotic cars, muscle cars, kits and replicas, street rods, and vintage motorcycles. To qualify for coverage, your car must be stored in an enclosed, locked garage, and only used for minimal pleasure cruising.
Through a third-party insurance company, USAA provides:
USAA provides both personal and business aviation insurance, whether you and your aircraft are in the sky or on the ground.
Aircrafts eligible for coverage include vintage planes, seaplanes, commercial-use drones, and more.
USAA offers small business insurance coverage to protect your employees, property, and livelihood.
Coverage options include:
Headquartered in San Antonio, Texas, USAA Insurance was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. It now functions as a home, life, and auto insurance company across the country, servicing active and former military service members and their families. USAA prides itself as "one of the only fully integrated financial services organizations in America."
USAA membership is offered only to active and former military service members (from all the armed forces, including the Army, Navy, Air Force, Coast Guard, and Marines) and their families (including their children, spouses, widows/widowers, and former spouses who were once listed under the policy and who have remained unmarried). If you or an immediate family member have never served in this capacity, you will not be eligible for insurance coverage through USAA.
USAA specializes in services from auto insurance and homeowners insurance to banking and investing services.
USAA has received "among the best" customer satisfaction ratings, according to J.D. Power and Associates' 2018 study, in the areas of auto insurance shopping, auto insurance claims, home insurance, and property insurance claims.
USAA (which stands for United Services Automobile Association) has won multiple awards and rankings, from Fortune's Best Companies to Work For from 2010 to 2015, the number 1 Military Spouse Friendly Employer award from Military Spouse Magazine, to 122nd in Revenue, 53rd in Assets, and 49th in Net Worth rankings from Fortune 500.
Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.
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.