USAA Auto Insurance Review: Can you get affordable quotes? (2024)
Cheap USAA auto insurance rates are about $58/mo for military members and their families. USAA auto insurance reviews show that high-risk drivers can also find cheap car insurance with the company, but USAA will raise your rates higher than other insurers after a DUI with over 80% increases.
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Sep 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The United States Service Automobile Association
Average Monthly Rate For Good Drivers
$59A.M. Best Rating:
A++Complaint Level:
MedPros
- Highest in J.D. Power customer satisfaction
- Consistently low auto insurance rates for teens, seniors, and high-risk drivers
- USAA SafePilot usage-based insurance helps save money on car insurance
Cons
- Auto insurance is only available to military members and their immediate families
- Restrictive gap insurance coverage options
- More complaints about slow claims and settlements than other companies
Our USAA car insurance review shows that the company is a strong choice for drivers to get various coverages with low rates. However, only military members, veterans, and their families are eligible for coverage.
In addition to standard coverage, USAA offers coverage such as rideshare insurance and accident forgiveness. USAA also offers savings through its telematics program SafePilot, which monitors driving habits to determine a safe-driving discount.
While USAA specializes in low military insurance, compare coverage, rates, and discounts from multiple companies to find your best deal.
What You Should Know About USAA
USAA offers auto insurance to military members, veterans, and their families. Rates are typically low, and USAA also provides numerous auto insurance discounts.
USAA charges higher rates for younger drivers due to a lack of driving experience. However, rates decrease as age increases.Daniel Walker Licensed Insurance Agent
While USAA offers many standard types of car insurance, it also offers hard-to-find coverage, such as rideshare insurance and accident forgiveness.
Since USAA has great reviews and is considered one of the best military auto insurance companies, it’s worth comparing coverage, rates, and discounts to see if USAA offers the best deal.
Continue reading our USAA auto insurance review to learn if the company is the right choice for you.
Using the USAA Mobile App
Most insurance companies offer mobile apps to allow drivers to easily access account information. However, the USAA mobile app provides many additional benefits.
In the USAA app, you can:
- Get insurance IDs
- File a claim
- Request roadside assistance
- Pay bills
- Access member-only perks
- Calculate loan payments
- Locate ATMs
- Make mobile deposits
The USAA mobile app conveniently allows drivers to access insurance information and other banking tasks.
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USAA Insurance Coverage Options
USAA provides many types of auto insurance coverage options for drivers.
USAA auto insurance coverage includes:
- Liability
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- SR-22
- Non-owner
- Roadside assistance
USAA also offers specialized coverage options. Drivers can acquire accident forgiveness, rideshare coverage, and car replacement assistance. However, adding coverage does increase your rates.
How much auto insurance coverage you need varies based on your situation and state.
While most states require liability coverage, most other coverages are optional. Since liability coverage only pays for property damage and bodily injuries to others, many drivers choose full coverage. Full coverage includes liability, collision, comprehensive, and other state-mandated coverages.
This table shows the average USAA insurance rates for full and liability-only coverage.
Full Coverage vs. Liability-Only Insurance: Monthly Auto Insurance Rates by Provider| Insurance Company | Full Coverage: Clean Record | Full Coverage: One Accident | Liability Only: Clean Record | Liability Only: One Accident |
|---|---|---|---|---|
| Allstate | $318 | $416 | $162 | $212 |
| American Family | $224 | $310 | $114 | $158 |
| Farmers | $288 | $377 | $147 | $192 |
| Geico | $179 | $266 | $91 | $136 |
| Liberty Mutual | $398 | $517 | $203 | $264 |
| Nationwide | $229 | $283 | $117 | $144 |
| Progressive | $283 | $398 | $144 | $203 |
| State Farm | $235 | $283 | $120 | $144 |
| Travelers | $287 | $357 | $147 | $182 |
| USAA | $215 | $275 | $110 | $140 |
| National Average | $260 | $342 | $133 | $174 |
While USAA full coverage rates are higher than liability rates, full coverage provides coverage for your vehicle. Without full coverage, you may have significant out-of-pocket costs if your vehicle is damaged.
USAA Insurance Rates Breakdown
Many factors affect USAA car insurance rates, such as age, driving record, credit score, and vehicle. USAA is one of the most affordable auto insurance companies for military families, but personal factors impact rates greatly.
Let’s look at USAA auto insurance rates for two of the most significant factors below.
Compare USAA Auto Insurance Rates
While USAA military car insurance rates tend to be the cheapest around, personal factors still impact your premiums.
Younger drivers pay higher rates since they lack experience behind the wheel. In addition, male drivers are statistically more likely to take risks and are charged higher rates.
This table breaks down USAA auto insurance rates by age and gender compared to other top insurers.
Auto Insurance Monthly Rates by Provider, Gender, & Age| Insurance Company | Female (16) | Male (16) | Female (25) | Male (25) | Female (30) | Male (30) | Female (60) | Male (60) |
|---|---|---|---|---|---|---|---|---|
| Allstate | $608 | $638 | $181 | $190 | $168 | $176 | $150 | $154 |
| American Family | $414 | $509 | $136 | $150 | $124 | $136 | $99 | $104 |
| Farmers | $810 | $773 | $172 | $180 | $160 | $167 | $120 | $128 |
| Geico | $298 | $312 | $97 | $93 | $90 | $87 | $73 | $74 |
| Liberty Mutual | $723 | $785 | $187 | $215 | $174 | $200 | $148 | $159 |
| Nationwide | $411 | $476 | $136 | $150 | $124 | $136 | $99 | $104 |
| Progressive | $801 | $814 | $141 | $146 | $131 | $136 | $92 | $95 |
| State Farm | $311 | $349 | $101 | $111 | $94 | $103 | $76 | $76 |
| Travelers | $719 | $910 | $107 | $116 | $99 | $108 | $89 | $90 |
| USAA | $245 | $249 | $80 | $85 | $74 | $79 | $53 | $53 |
USAA insurance quotes are cheaper than other insurers, regardless of age or gender.
One of the most significant factors that determine insurance rates is your driving record. It shows insurance companies how likely you are to cost them money in claims.
This table compares USAA auto insurance rates based on driving records.
Full Coverage Auto Insurance Monthly Rates by Provider and Driving Record| Insurance Company | Clean Driving Record | One Speeding Violation | One Accident | One DUI Conviction |
|---|---|---|---|---|
| Allstate | $160 | $188 | $225 | $270 |
| American Family | $117 | $136 | $176 | $194 |
| Farmers | $139 | $173 | $198 | $193 |
| Geico | $80 | $106 | $132 | $216 |
| Liberty Mutual | $174 | $212 | $234 | $313 |
| Nationwide | $115 | $137 | $161 | $237 |
| Progressive | $105 | $140 | $186 | $140 |
| State Farm | $86 | $96 | $102 | $112 |
| Travelers | $99 | $134 | $139 | $206 |
| USAA | $59 | $67 | $78 | $108 |
USAA rates are also the cheapest, no matter the driving record. However, some infractions increase rates dramatically. For example, let’s look at how DUI affects auto insurance rates with USAA. The normally cheap USAA auto insurance rates are almost double with one DUI.
Keep your driving record clean to enjoy the most affordable USAA insurance rates.
USAA Discounts Available
USAA provides auto insurance discounts based on the driver, policy, and vehicle.
This table compares USAA auto insurance discounts with savings from other top companies.
Auto Insurance Discounts Offered by Top Companies| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
While many companies offer similar discounts, USAA provides higher savings and discounts other companies may not have. For example, when comparing Allstate vs. USAA auto insurance discounts, USAA offers a continuous coverage discount, and Allstate doesn’t.
USAA allows drivers to bundle discounts for the greatest savings. Take advantage of all available discounts to get the lowest USAA car insurance rates.
How to Earn Safe Driving Discounts with USAA SafePilot
USAA SafePilot is a telematics program that provides up to a 30% discount based on your safe driving. The SafePilot mobile app records specific drive data, such as location, hard braking, and phone usage. A discount is calculated based on driving habits and added to your policy at renewal.
Adding SafePilot to your USAA auto insurance policy offers significant savings, and the company won’t raise rates if you score poorly.
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How USAA Ranks Among Providers
USAA reviews are favorable across the board. In addition, USAA received an A++ rating from A.M. Best for financial stability.
USAA customer service and claims satisfaction reviews are also good. According to J.D. Power, USAA scored the second highest in customer satisfaction in the country.
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Frequently Asked Questions
Is USAA a good insurance company to deal with?
USAA has a long history of providing insurance with strong financial and customer service scores. Since USAA complaints are low and rates are also low, it is considered one of the best insurers around.
What are the disadvantages of USAA auto insurance?
USAA only offers insurance coverage to members of the military and their families.
Are USAA auto insurance rates really cheaper than other companies?
While USAA costs are typically lower, auto insurance rates depend on many factors, such as age, driving record, and vehicle.
Who are USAA’s biggest auto insurance competitors?
Top insurance companies, such as State Farm, Progressive, Allstate, and Geico, compete with USAA.
How much does USAA auto insurance cost a month?
USAA auto insurance rates may be as low as $58 a month, but rates vary significantly by the driver.
Who is not eligible for USAA auto insurance?
Only military members, veterans, and their families qualify for USAA insurance.
How do I file a USAA auto insurance claim?
You can file a claim online, through the mobile app, or by calling customer service.
Will filing a claim increase my USAA auto insurance rates?
USAA insurance rates typically increase after an accident unless you have accident forgiveness.
Why does USAA keep raising my auto insurance rates?
Auto insurance rates increase for many reasons, such as a change to your driving record, moving, a new vehicle, or credit score changes. Inflation and the increased cost of repairs also affect rates.
How good is USAA at paying claims?
USAA has a good reputation for paying claims quickly. How long it takes USAA to process a car insurance claim varies. Although some claims take months to close, most claims are closed within a few weeks.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
AnTonyC
Active Duty and Veterans Beware!
Poteattony
Usaa not so great anymore
ioam
Customer service got bad
Sandy_H
Unresolved billing issue for months
davidwells
USAA: Always hire a lawyer
chanelcinq
Completely incompetent
HB23
Incompetent company
JonB36
USAA's exemplary service legacy has hit rock bottom.
Cvinny10_
Do NOT get this insurance
CGN_Demandante
Damaged Rental Van Payoff