USAA - Car Insurance

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Composite Score
What is this?
U.S Auto Insurance Shopping Study (2018)
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)
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)
RegionRatingsState Average
California894Among the best
Central906Among the best
Florida888Among the best
Mid-Atlantic896Among the best
New England893Among the best
New York900Among the best
North Central905Among the best
Northwest896Among the best
Southeast894Among the best
Southwest887Among the best
Texas899Among the best
USAA Ratings
BrandRatingsUser reviews
Mobile App (iOS)
Mobile App (Android)
Trust Pilot
Trustpilot score: 1.5
TrustScore 1.5
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA++
Standard & Poor'sAA+


The largest discounts from USAA are: Vehicle Storage, Anti-Theft Device, Student Away at School

Carrier Discounts
Discount %
Vehicle StorageAnti-Theft DeviceStudent Away at SchoolMilitaryPassive RestraintMultiple VehicleFamilyGood DriverMultiple Policy
Discount Group
Discount TypeDiscount %
Vehicle Storageup to 60%
Anti-Theft Deviceup to 20%
Student Away at Schoolup to 20%
Militaryup to 15%
Passive Restraintup to 15%
Multiple Vehicleup to 13%
Familyup to 10%
Good Driverup to 10%
Multiple Policyup to 9%
Anti-lock BrakeVaries
Defensive DriverVaries
Good StudentVaries
Low MileageVaries
New CarVaries
Daytime Running LightsVaries
Driving trainingVaries
Accident ForgivenessVaries

Payment methods

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    Automatic Online Payment
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    Mail Payment
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    Mobile App Payments
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    Online Payment

Features and Services

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.

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

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

Optional Coverage

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    Roadside Assistance
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    Rental Reimbursement
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    Accident Forgiveness
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    Extended Coverage

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

USAA Insurance Products

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Boat Insurance
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Classic Car Insurance
Aviation Insurance
Small Business Insurance

FAQs - USAA Car Insurance

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Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Compare USAA to GEICO


Company History

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.

How to cancel your USAA Car Insurance Policy

Before you can cancel your policy, you will need to speak to someone at the "Member Rescue Team" at 800-531-6335.

Cancellation Fee: $0

USAA Reviews

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.

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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
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.
So far
Lousy lousy customer service in claims. Wat to expen. In cost and deduc.
So friendly & courteous.
Bad service!
Not very knowledgeable with how different each state handles car insurance
great service great price. i was just checking in accordance with our best capitalist tradition!
Showing 1 - 10 out of 1000 reviews

USAA Car Insurance Information

Insurify Composite Score96
Number of discounts19
Number of reviews1031
User Rating4.1
A.M. BestA++
Standard & Poor'sAA+

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.