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In our USAA insurance review, we rate the company 4.6 out of 5.0 stars for offering low average rates, a variety of coverage options, and strong customer service.


Designed for military members and their families, USAA stands out for its low rates, opportunities for discounts, and exceptional customer service. USAA insurance reviews are overwhelmingly positive, and based on our research into the best car insurance companies, USAA receives a high overall rating of 4.6 stars from our review team.

If you qualify for USAA insurance, a closer look at the provider’s coverage options, average costs, and reviews will help you determine whether an auto policy with the company is right for you. When you shop for car insurance, we recommend getting free quotes from multiple providers so you can compare coverage and rates. 


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USAA Insurance Review

We rate USAA 4.6 out of 5.0 stars and name it Best for Military in 2022. Its comprehensive car insurance coverage, nationwide availability, positive USAA insurance reviews, and high satisfaction ratings from J.D. Power make it a smart choice for United States military families.

Affordable rates and numerous discounts Only available to the military and their families
Good choice for military service members  
Superior AM Best financial strength rating and A+ rating from the BBB  
Nationwide availability  

USAA Company Information

Company name: United Services Automobile Association (USAA)
Headquarters: San Antonio
Founded: 1922
Availability: 50 states
Members served: Over 12.8 million
Market share: 8.77 percent in 2021 according to the National Association of Insurance Commissioners (NAIC)
AM Best financial strength rating: A++ (Superior)
BBB rating: A+
Eligibility: Only available to U.S. military members, veterans, and their families

USAA Insurance Rating

USAA has high ratings from the BBB (A+) for customer service and AM Best (A++/Superior) for its financial stability. In our car insurance survey of 1,000 respondents, USAA was also the highest-rated company for customer satisfaction overall.

How Much Is USAA Car Insurance?

After comparing 1.5 million rate estimates across the industry, we found USAA offers full coverage car insurance for around $1,054 per year or $88 per month. This is about 39 percent cheaper than the national average of $1,730 per year or $144 per month. Here's how USAA compares to other popular providers on cost: 

USAA Car Insurance Rates: Estimates By Provider

Car Insurance Provider Average Annual Rate Estimate Average Monthly Rate Estimate
USAA $1,054 $88
Erie Insurance $1,238 $103
Nationwide $1,281 $107
Geico $1,308 $109
Auto-Owners $1,337 $111
State Farm $1,481 $123
Progressive $1,611 $134
Travelers $1,669 $139
Allstate $2,088 $174
Farmers $2,140 $178

USAA Minimum Car Insurance Cost

If you want the cheapest option available, you'll want to get the minimum coverage allowed in your state. Our estimates show USAA costs about $333 per year or $28 per month on average for minimum coverage. That's quite a bit cheaper than the national average of $635 per year or $53 per month.

USAA Car Insurance Rates: Estimates By Driving Profile

Below, you can see how USAA monthly costs for 35-year-olds compare to the national average for different types of drivers. Overall, USAA tends to be cheap for drivers with different violations on their records.

Driving Profile USAA Annual Cost Estimate National Annual Cost Estimate
Speeding: 1-5 MPH Over Limit $1,397 $2,225
Speeding: 21-25 MPH Over Limit $1,413 $2,464
DUI $2,236 $3,277
Stop Sign Violation $1,405 $2,280
One Accident $1,647 $2,689
Two Accidents $2,565 $3,761
Poor Credit $1,812 $3,120

USAA Car Insurance Cost By Age

Your age influences what you pay for car insurance to a large degree. Below, you can see how rate estimates from USAA change depending on a driver's age.

Age USAA Annual Cost Estimate USAA Monthly Cost Estimate
16 $4,784 $399
17 $3,398 $283
18 $2,897 $241
19 $2,261 $188
21 $1,609 $134
25 $1,292 $108
30 $1,160 $97
40 $1,079 $90
45 $1,051 $88
50 $1,021 $85
55 $1,012 $84
65 $1,057 $88
75 $1,260 $105

USAA Car Insurance Rates: Estimates By State

We've compared car insurance estimates for USAA based on a 35-year-old driver with a good driving record and good credit. Below, you can see how USAA compares to the average cost in each state. Overall, USAA is cheaper than average in most states.

USAA Cost Estimates By State
State USAA Annual Rate Estimate State Average Rate Estimate
Alabama $987 $1,479
Alaska $949 $1,400
Arizona $1,257 $1,754
Arkansas $933 $1,525
California $1,408 $2,089
Colorado $1,202 $1,860
Connecticut $1,275 $2,999
Delaware $1,240 $2,169
Washington, D.C. $1,129 $1,903
Georgia $1,208 $1,617
Hawaii $1,006 $1,819
Idaho $648 $1,069
Kansas $843 $1,471
Kentucky $1,409 $1,779
Louisiana $1,576 $2,783
Maine $568 $964
Maryland $920 $1,818
Michigan $1,718 $3,785
Minnesota $1,060 $1,632
Mississippi $860 $1,434
Missouri $758 $1,734
Montana $865 $1,938
Nebraska $1,044 $1,622
Nevada $1,239 $2,149
New Hampshire $714 $1,349
New Mexico $882 $1,449
New York $1,974 $2,783
North Dakota $762 $1,366
Oklahoma $953 $1,726
Oregon $945 $1,334
Pennsylvania $1,457 $1,647
Rhode Island $918 $1,848
South Carolina $1,105 $1,665
South Dakota $1,196 $1,652
Tennessee $797 $1,281
Texas $1,481 $1,752
Utah $896 $1,056
Vermont $724 $1,013
Virginia $824 $1,142
Washington $813 $1,438
West Virginia $870 $1,537
Wyoming $920 $1,767

USAA Car Insurance Prices

The price of insurance varies from individual to individual. USAA uses the following information to determine your insurance premium:

  • Driver age: Drivers under the age of 25 typically pay more for insurance policies.
  • Driving history: Safe drivers with no accidents and no tickets receive lower premiums.
  • Vehicle make and model: USAA factors in the cost to repair and replace your vehicle when determining your premium. Some vehicles are naturally more expensive to insure.
  • Vehicle location: Car insurance rates are higher for drivers in urban areas.
  • Vehicle usage: The more the vehicle is used, the higher the rates will be.

USAA Auto Insurance Discounts

One way policyholders can save on USAA car insurance is by qualifying for discounts. USAA offers many, which are detailed in the table below. Notable discounts include a 60 percent discount for storing an insured car (during deployment, for example) and a 15 percent discount for garaging a vehicle on a military base.

USAA Insurance Discounts
USAA Insurance Discount Discount Eligibility
Safe Driver Discount Save money by having a good driving record for more than five years.
SafePilotTM Earn a discount by using the SafePilot app to track your driving habits.
Defensive Driving Get a lower premium by taking an approved defensive driving course.
Driver Training Course Save money by taking a driver training course (only available for drivers under the age of 21).
Good Student Save by maintaining a GPA of at least 3.0 (only available to students).
New Vehicle Get lower rates when your new car is less than three years old.
Multi-Vehicle Earn a discount when you own two or more vehicles.
Annual Mileage Save money based on the number of miles driven each year (only available for drivers over the age of 19).
Vehicle Storage Save up to 60% by storing an insured car.
Family Discount Earn a discount when you have other family members insured with USAA.
Length of Membership Save by remaining a USAA member for several years.
Military Installation Save up to 15% by storing your vehicle in a garage on a military base.
Multi-Policy Save up to 10% by bundling auto insurance with home or renters insurance.

USAA Auto Insurance Payment

You can pay for your USAA insurance policy using a checking account, savings account, or credit card. You can even link your bank account to your policy for automatic payments, for which you'll get a discount.

Payments can be made by calling 1-855-430-8489, through the USAA website, through the USAA mobile app, or by mailing a check or money order to the following address:

USAA - Payment Processing
P.O. Box 650660
Dallas, TX 75265-0660

USAA Car Insurance Coverage

USAA offers all standard types of car insurance, which means you can get anything from your state's minimum to full coverage with high limits. However, coverage is only offered to those who were a part of the military. Here are the main types of car insurance:

  • Bodily injury and property damage liability insurance: Covers vehicle damage and medical bills for other people in accidents you cause
  • Collision coverage: Covers your car in accidents you cause
  • Comprehensive coverage: Covers environmental damage, theft, vandalism, and damage from collision with stationary objects
  • Medical payments: Covers your medical bills
  • Personal injury protection: Covers medical bills, lost wages, and funeral costs
  • Uninsured/underinsured motorist coverage: Covers your vehicle and medical bills if someone without enough insurance causes an accident

USAA members can also get a variety of add-on products and services, from roadside assistance to glass coverage. Here’s a closer look:

USAA Car Insurance: Additional Coverage Options
USAA Insurance Coverage Details
Roadside assistance This optional coverage gives you peace of mind if something should malfunction while you are driving. Services include towing, lockout services, jump-starts, flat tire changes, and gas delivery.
Rental reimbursement While your vehicle is in the shop for repairs after an accident, you can receive rental car coverage through USAA.
Accident forgiveness Though accident forgiveness insurance requires an additional charge, you receive no increase in premiums after an at-fault accident. If you remain accident-free for five years, this plan is available at no cost.
Glass coverage You don’t have to pay out of pocket for windshield or window repairs. This plan is included with comprehensive plans in South Carolina, Kentucky, Florida, and Massachusetts. It is also available for an additional fee in New York, Minnesota, Connecticut, and Arizona.
Guaranteed asset protection (gap coverage) If you finance a vehicle, this protection covers the difference between what the car is worth versus what is owed during a total loss. You pay only a deductible.
Car replacement assistance (CRA) The biggest difference between this plan and gap insurance is that CRA pays 20% more than the estimated cash value of your vehicle.
Rideshare insurance If you drive for Uber or Lyft, you're covered when you're waiting to pick up or drop off a passenger.
Classic car insurance USAA can cover classic and antique vehicles through a partnership with American Collectors Insurance.

USAA Rental Car Insurance

If you have rental car reimbursement under your personal auto insurance plan, USAA will cover the damages or pay for the rental. Your personal car insurance plan should also cover rentals, but it is limited to your policy terms. USAA also offers a rental car insurance program through most major dealers in the industry.

USAA Commercial Auto Insurance

USAA offers commercial auto insurance with insurance providers through USAA’s partner network. Their commercial auto insurance policies can include up to five standard parts which include liability insurance, medical coverage, comprehensive, collision, and uninsured or underinsured motorist coverage. USAA commercial car insurance may be right for you if your vehicle is used for your business, business ads are displayed on your vehicle, you own a trucking business, or you rent vehicles for your business. 

USAA Rideshare Insurance

For those that work with rideshare companies like Uber and Lyft USAA offers rideshare insurance as an add-on to your personal auto insurance policy. These policies are typically cheap and can cost as low as $6 per month. They also offer better coverage than rideshare companies.

How To Cancel USAA Auto Insurance

To cancel an auto insurance policy with USAA, you can call an agent at 800-531-8722. You can also request a cancellation electronically by signing into your USAA account online. Lastly, you can cancel your account by mailing a cancellation request to USAA headquarters. If you still own a car, be sure to have another policy in place to avoid a lapse in auto insurance coverage.


USSA Insurance: Additional Coverage Options

USAA Insurance offers more than just car insurance and provides many options for home and life insurance. Below is a breakdown of coverage options for each.

USAA Home Insurance

A USAA home insurance policy can cover fire, theft, vandalism, liability, most weather-related events, identity theft, and more. With the loss of use protection, USAA can cover an increase in living expenses if you need to find another place to live. Other homeowners insurance options include earthquake coverage and home-sharing coverage.

USAA Life Insurance

Like most national insurers, USAA offers a variety of life insurance options. You can get term coverage, which expires after a fixed period of time, or permanent coverage, which lasts indefinitely. USAA offers life insurance to anyone (you don't have to be a member of the military). Most plans require a medical exam and questionnaire.

USAA Insurance Customer Reviews

USAA consistently earns high customer satisfaction ratings, which is one reason it's the best car insurance for veterans, active military, and their families. The J.D. Power 2022 U.S. Auto Insurance Study lists USAA insurance as the highest-rated choice in every region of the U.S. except one where it took second place. Below we explore some positive reviews and complaints regarding USAA's insurance services. 

Positive USAA Insurance Reviews

USAA auto insurance reviews typically mention expedient claims service and reliable agents. The majority of USAA insurance reviews indicate high customer satisfaction.

“I've had USAA insurance, home and auto, for over 20 years [with] no problems. Last accident [I received] forgiveness. They were very courteous and no problems at all.”

– D. Thomas via BBB

“I’ve been a USAA customer since 1980. My premiums appear to be less than most other companies (even though I carry a great deal of liability coverage) and, what’s more important, I’ve had several claims. USAA’s claims department is without peer in the industry. They are, without question, exceptional.”

– Jim T. via Quora

USAA Insurance Complaints

As with any insurance company, there are some complaints about USAA. A few customers felt that their premiums were especially high. It may be the case that some see higher rates with USAA, though our cost data indicates this is not the case for most drivers.

"My service keeps getting worse and my bill keeps going up. … Currently, my yearly insurance is more than my car's total worth."

– Ryan A. via BBB

"Overpriced insurance with manipulative advertising. Find better elsewhere."

– Ian via Trustpilot

USAA has a complaint index of 0.98, according to the NAIC. This means USAA's complaint rate is slightly lower than average for its size. On the BBB website, USAA customer service agents respond to complaints and resolve them in a timely manner. 

USAA SafePilot Reviews

The SafePilot app has a 4.3-star rating out of 5.0 in the App Store. In the past, some customers left reviews saying the app gave them lower scores for behaviors they did not consider to be unsafe. USAA has since addressed some of these bugs.

USAA Insurance Claims Reviews

Most customers have positive experiences with USAA's claims department. The company scored 909 out of 1,000 on the J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM, which was higher than the scores of all other providers. 

USAA Customer Service

Our team surveyed nearly 7,000 car insurance customers in 2022. Of this total, 388 people had USAA car insurance. Those customers rated their overall satisfaction with USAA 4.3 out of 5.0. The average rating between all companies was 4.2, so this suggests USAA has better-than-average customer service. 

Below, you can see how USAA scored in multiple areas of our survey. Overall, USAA had higher-than-average ratings in many areas.

Aspect Surveyed USAA Rating (Out Of 5.0) Industry Average Rating (Out Of 5.0)
Overall satisfaction 4.3 4.2
Customer service 4.2 4.0
Affordability 3.8 3.7
Coverage selection 3.9 3.9
Claims service 4.3 4.2
Mobile app rating 4.2 4.2

USAA Mobile Apps

The USAA mobile app has a 4.4-star rating out of 5.0 on Google Play. This app can be used to manage your insurance policies, banking needs, and other USAA services. It's easy to view your car insurance ID card, file insurance claims, and request roadside assistance. You can also view an accident checklist so you know what to do after experiencing an automobile accident. 

USAA SafePilot Program

Drivers interested in usage-based car insurance savings should download SafePilot. There's a discount of up to five percent just for downloading the app and enrolling in the safe driving program. Your trips will be automatically logged and scored, so you don't need to open the app every time you drive.

Practices like giving yourself enough time to brake when stopping help your score, while accelerating too quickly or driving late at night can decrease the score. When it's time for your USAA auto insurance policy to renew, you'll earn up to 30 percent off.

Be aware that the SafePilot program is not available in all states.

USAA Auto Insurance Reviews: Conclusion

We rate USSA 4.6 out of 5.0 stars for its great customer service, reputation, and affordable rates. For these reasons, our review team also named the provider Best for Military in 2022. USAA is a great option for your insurance needs and overall has great prices as well as mostly positive customer reviews. However, it must be noted that USAA insurance is only offered to military families. Although USAA is a great option, we recommend looking around and comparing insurance provider quotes to find the best deal for your needs.


USAA Auto Insurance Competitors: Top Providers

Not everyone will qualify for USAA auto insurance – and even if you do, we still recommend getting multiple car insurance quotes to ensure you get the coverage that’s right for you.

USAA insurance reviews are strong, and so are ratings for three more of the nation's best car insurance companies.

  • Geico maintains an A+ rating with the BBB and has an A++ rating in financial strength from AM Best. The insurer has exceptional coverage for military members, as well as students, and it's the second-largest auto insurance company in the U.S. Learn more in our complete Geico auto insurance review.
  • Progressive stands out for its accident forgiveness and low rates for high-risk drivers. Young drivers and those with a DUI on record may find the best coverage with the provider. Learn more about how Progressive compares in our Progressive auto insurance review.
  • State Farm earned high rankings in J.D. Power insurance studies and has over 83 million policies and accounts. We found State Farm auto insurance to be one of the best choices for students and teenagersLearn more in our full State Farm auto insurance review.

USAA Car Insurance Reviews: FAQ

Is USAA a good insurer?

USAA consistently outperforms most competitors on J.D. Power surveys for claims and customer satisfaction. We also found it is usually cheaper than other national providers. We rate it among the best insurance companies for these reasons.

How does USAA rank as an insurance company?

In terms of size, USAA ranks fifth among private passenger auto insurance companies according to the NAIC. USAA also received the highest score on the J.D. Power Auto Claims Satisfaction and Auto Insurance studies.

How much does it cost to join USAA insurance?

It is free to join USAA. There are no membership fees. However, you can only buy insurance if you are a member of the military, a veteran, or the spouse or child of a military member. USAA membership perks include discounts on shopping, travel, entertainment, fitness, and more.

Is USAA a rip-off?

According to our rate estimates, USAA is one of the cheapest options available. And according to J.D. Power claims studies, most customers have a positive experience when filing a claim. Therefore, USAA is not a rip-off.

Is USAA cheaper than most insurance?

According to our auto insurance rate estimates, USAA is the cheapest provider on average for good drivers. We found full coverage from USAA costs about $1,054 per year, while the industry average is $1,730 per year. USAA tends to be cheaper than other companies like State Farm and Geico.

What services does USAA offer?

USAA provides a wide array of financial services and insurance products, including auto insurance, home insurance, renters insurance, rental property insurance, valuable personal property insurance, life insurance, umbrella insurance, and small business insurance.

Can anyone join USAA?

USAA coverage is only available to you if you are an active-duty United States military member, a retired veteran, or an honorably discharged former service member. Spouses and children of USAA members are also eligible for USAA membership.

Is USAA car insurance good?

USAA is a good deal for most drivers who qualify because it offers rates about 39 percent cheaper than the national average. We also found USAA to be cheaper than other providers for drivers with accidents, speeding tickets, DUIs, or poor credit.

Is USAA worth joining?

USAA is worth joining due to its great customer service and its many insurance, banking, and investing options. USAA also offers some of the cheapest car insurance around And once you join, your spouse, children, and step-children can also become members.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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