USAA Car Insurance

4.1 852 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Call Center Representative Among the best
Insurer Website Among the best
Overall Satisfaction Among the best
Local Agent About average
Policy Offerings Among the best
Pricing Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Rental Experience Better than most
Estimation Process Better than most
Overall Satisfaction Among the best
Claim Servicing Better than most
First Notice of Loss (FNOL) Among the best
Repair Process Among the best
Settlement Better than most
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
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
USAA Mobile App Ratings
Brand Ratings User reviews
iOS
Full Star Full Star Full Star Full Star Half Star 4.1
3600
Android
Full Star Full Star Full Star Full Star Half Star 4.5
98577
Financial Ratings
Company Name Ratings
A.M. Best A++
Standard & Poor's AAA
Fitch AA+
Moody's Aa1

Discounts

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
TeenSmart Discount Varies
New Car Discount Varies
Loyalty Discount Varies
Low Mileage Discount Varies
Good Student Discount Varies
Defensive Driver Discount Varies
Anti-lock Brake Discount Varies
Accident Forgiveness Varies

Payment Methods

  • Complete Tick Online Payment
  • Complete Tick Mobile App Payments
  • Complete Tick Automatic Online Payments
  • Complete Tick Mail Payment

Features and Services

USAA has been offering its customers exceptional service for over 90 years. They provide customer support 24 hours, 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 consistent with military pay schedules. Policyholders can take advantage of USAA Auto Circle car buying service, guaranteed policy renewal, and additional coverages like roadside assistance.

  • 24/7 service 24/7 service
  • Mobile app Mobile app
  • Online account management Online account management
  • Roadside assistance Roadside assistance
  • Flexible / convenient payments Flexible / convenient payments

Optional Coverage

  • Complete Tick Road Side Assistance
  • Complete Tick Rental Reimbursment
  • Complete Tick Accident Forgiveness
  • Complete Tick Extended Coverage

USAA provides Uber and Lyft driver insurance in the following states:

USAA Insurance Products

Learn more about USAA Life Insurance.

USAA offers a variety of life insurance plans, including term life benefits specifically for military members.

Term Life 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 after service: Retired military members can get an additional $400,000 in additional coverage. 
  • Severe injury coverage: Covers up to $25,000 if you’re severely injured in the line of duty.
  • Child protection: Provides coverage for your children, and gives them the option to convert it into their own life insurance policy when they get older.
  • Growth adjustments: Allows you to add another $100,000 of coverage when you get married, have a child, or buy a house. Only available if you’re between 18 and 35 years old. 
  • Option to upgrade: Allows you to upgrade your term life insurance to a whole life insurance policy at any time. 
  • War-time coverage: Covers you even if your death is caused by war or an act of terrorism. 

Whole Life 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 include:

  • Growth adjustments: Allows you to add another $100,000 of coverage when you get married, have a child, or buy a house. Only available if you’re between 18 and 35 years old. 
  • Cash value: Allows you to borrow against the premium payments you’ve already made, tax deferred. 

Universal Whole Life insurance lasts a lifetime, and allows you to change your coverage amount and premium payments at any time. Universal Whole Life benefits include:

  • Cash value: Allows you to borrow against the premium payments you’ve already made, tax deferred. 
  • Control adjustments: Allows you to increase or decrease your coverage limits and premium payments at any time. 
  • Guaranteed minimum interest rate: Your coverage begins with a guaranteed minimum interest rate that increases with your cash value. 
  • Income-tax-free death benefit: Pays out your death benefit in an income-tax-free lump sum. 

USAA offers full coverage car insurance, as well as optional protections. 

Full coverage from USAA includes:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
  • Personal injury protection (PIP): Also known as no-fault insurance, pays medical expenses and damage costs, regardless of who is at fault. 
  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 

Optional coverages include:

  • Roadside assistance: Covers the cost of towing and labor if your car breaks down. 
  • Rental car reimbursement: Pays for a rental car while your vehicle is being repaired after a covered loss.
  • Accident forgiveness: Your premiums won’t increase after one accident, if you’ve been accident free with USAA for five years. 

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:

  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen from your apartment, car, or anywhere else in the world. 
  • Bodily injury and property damage liability: Covers medical expenses and legal fees if someone is injured or their property is damaged on your premises. 
  • Flood insurance: Included with a basic renters insurance policy; provides coverage for property damaged by flood waters.
  • Earthquake insurance: Included with a basic renters policy; provides coverage for property damaged as a result of earthquakes.
  • Replacement cost coverage: Pays to replace damaged personal belongings at current market value price, regardless of depreciation or condition at the time of the loss. 

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 includes:

  • Dwelling coverage: Pays to repair or rebuild your home after a covered loss, up to the limit set in your policy. 
  • Other structures coverage: Pays for covered damage to detached structures on your property, like a fence or garage.
  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
  • Loss of use coverage: Pays for temporary living expenses, like hotel stays and meals, if your home is deemed uninhabitable after a covered loss. 
  • Personal liability: Pays defense and settlement costs if someone sues you or a family member for bodily injury and/or property damage. 
  • Military uniform coverage: Pays to replace damaged military uniforms for active duty and deployed members. 

Optional coverages from USAA include:

  • Replacement cost coverage: Pays to replace damaged personal belongings at current market value price, regardless of depreciation or condition at the time of the loss. 

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:

  • Premises Liability: Provides bodily injury and property damage coverage for claims involving your rental property. Also pays for associated medical and legal expenses.
  • Property Coverages: Provides coverage for your rental property, other structures (like garages or sheds), and your personal property that’s kept in your rental units (such as appliances or furniture). 
  • Income replacement: Pays for your lost rental income while your rental property is being repaired after a covered loss. 
  • Replacement cost coverage: Pays to replace damaged personal belongings at current market value price, regardless of depreciation or condition at the time of the loss.

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 jewelry, guns, cameras, instruments, fine art, furs, etc. 

Valuable Personal Property policies include:

  • No deductible
  • Worldwide coverage
  • Coverage for lost and broken valuables

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: 

  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
  • Personal liability: Pays defense, settlement, and medical costs if someone sues you for bodily injury or property damage that took place in your condo unit. 
  • Loss assessment: In the event your condo association to found liable for injury or damage that exceeds their liability coverage, this pays up to $10,000 for your share of the remainder of the claim. 
  • Building items: Pays to repair or replace interior portions of your unit, such as plumbing, countertops, fixtures, and any improvements you’ve made. 

Optional condo insurance coverages from USAA include:

  • Loss of use coverage: Pays for temporary living expenses, like hotel stays and meals, if your condo is deemed uninhabitable after a covered loss.
  • Identity theft: Pays up to $5,000 of expenses related to restoring your identity and credit score after a fraudulent incident. 
  • Special military coverage: Pays up to $10,000 for personal property damage caused by war. Also waives your deductible for damage to military uniforms if you’re an active or deployed member. 
  • Medical payments: Pays for medical expenses of guests either injured on your property or as a result of your actions anywhere in the world. 

USAA offers mobile home insurance through a third party insurance company. Coverage options include:

  • Personal liability: Pays defense and settlement costs if someone sues you for bodily injury or property damage. 
  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
  • Dwelling coverage: Pays to repair or rebuild your mobile home after a covered loss, up to the limit set in your policy. 
  • Other structures coverage: Pays for covered damage to detached structures on your property, like a fence or carport.

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:

  • Farm homes: Pays up to 125% replacement cost if your home is damaged by a covered loss. 
  • Other structures: Pays to repair or replace detached structures on your property, like barns, silos, pens, fences, etc. 
  • Machinery and equipment: Covers borrowed, rented, or leased farming equipment.
  • Livestock: Helps pay for farm animals that are stolen or die in a collision. 

USAA offers additional farm related insurance coverage for:

  • Horses and stables: Covers horses you own or care for that are involved in an accident, injury, or illness. Also provides coverage for stables, equipment, fences and corrals. 
  • Vineyards: Provides coverage for product recall expenses and wine leakage or contamination. 

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:

  • Agreed value coverage: Covers your collectibles for their full insured value, regardless of depreciation. 
  • Broad protection: Provides coverage for a variety of risks, including accidental breakage, fire, flood, theft, hurricane, earthquake, and more.
  • Inflation guard: Automatically adjusts your coverage to keep up with inflation, at no additional premium cost. Items valued over $2,000 will increase by 2% quarterly, and up to 8% annually. 

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:

  • 24-hour roadside assistance
  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
  • Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 

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:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen from your boat.
  • Uninsured/underinsured boater: Pays for your medical bills, lost income, and damages after an accident if the at-fault boater has little or no liability insurance. 
  • Collision: Pays to repair or replace your boat after a collision with another object or boat.
  • Comprehensive: Pays to repair or replace your boat if it’s stolen or damaged by fire, wind, hail, flood, vandalism, etc. 

USAA offers recreational vehicle insurance for your motorhome, pop-up camper, fifth wheel, slide-on camper, and travel trailer. 

RV coverage options include:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident while driving or on your vacation campsite.
  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen from your RV or campsite.
  • Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
  • 24-hour roadside assistance

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:

  • Agreed value coverage: Covers your car for its full insured value, regardless of depreciation. 
  • Mileage plan: Allows a 2,500 mile, 5,000 mile or 7,500 mile tier for pleasure driving.
  • Automatic coverage: Covers vehicles you just purchased for 30 days, up to $100,000.

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, your property, and your livelihood.

Coverage options include:

  • Business owners policy (BOP): Combines property and liability insurance to protect your business from risks such as property damage, lost income due to suspended operations, and bodily injury, property damage, personal injury or advertising injury lawsuits. 
  • Workers’ compensation: Provides employee benefits, and protects your business against work-related injury liabilities. 

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Company History

Headquartered in San Antonio, Texas, USAA Insurance was founded in 1922. 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. USAA specializes in services from auto insurance to homeowners insurance, to banking and investing services.

USAA Reviews

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Most Positive Review
By Donna
October 23, 2017

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
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.