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In our USAA insurance review, we rate the company 4.8 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 received the highest overall rating of 4.8 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. Whenever 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: 4.8 Stars

We rated USAA 4.8 out of 5.0 stars and named it the 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 Highlights

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

Is USAA A Top-Rated Insurance Company?

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.

USAA Insurance Cost

After comparing 1.5 million rate estimates across the industry, we found USAA offers full coverage car insurance for around $1,013 per year or $84 per month. This is about 42 percent cheaper than the national average of $1,732 per year or $144 per month. Here's how USAA compares to other popular providers on cost: 

Car Insurance Provider Average Annual Cost Estimate Average Monthly Cost Estimate
USAA $1,013 $84
Erie Insurance $1,113 $93
Auto-Owners $1,229 $102
State Farm $1,339 $112
Geico $1,352 $113
Progressive $1,397 $116
Nationwide $1,533 $128
Travelers $1,617 $135
Farmers $2,032 $169
The Hartford $2,166 $181

Is USAA Insurance A Good Deal?

USAA is a good deal for most drivers who qualify because it offers rates about 42 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.

Here's how USAA monthly costs compare to the national average for different types of drivers: 

Driving Profile Monthly USAA Cost Estimate Monthly National Cost Estimate
35-year-old $84 $144
24-year-old $119 $197
Speeding ticket (age 35) $102 $182
Accident (age 35) $119 $220
DUI (age 35) $161 $266
Poor credit (age 35) $151 $260

USAA Car Insurance Rates 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 Estimate By State
State USAA Annual Cost Estimate State Average Cost Estimate
Alabama $770 $1,448
Alaska $856 $1,287
Arizona $1,202 $1,625
Arkansas $838 $1,449
California $1,323 $2,339
Colorado $1,031 $1,672
Connecticut $1,152 $1,885
Delaware $1,073 $1,921
Washington, D.C. $768 $1,787
Florida Data not available $2,894
Georgia $1,054 $1,548
Hawaii $1,017 $1,238
Idaho $634 $1,089
Illinois $1,192 $1,474
Indiana $668 $1,087
Iowa Data not available $1,095
Kansas $745 $1,364
Kentucky $1,089 $1,817
Louisiana $1,659 $3,828
Maine $638 $995
Maryland $813 $1,941
Massachusetts $1,650 $2,568
Michigan $1,737 $4,390
Minnesota $905 $1,487
Mississippi $791 $1,357
Missouri $691 $1,741
Montana $788 $2,214
Nebraska $962 $1,372
Nevada $1,303 $2,332
New Hampshire $628 $1,181
New Jersey Data not available $2,108
New Mexico $835 $1,356
New York $2,146 $3,964
North Carolina Data not available $1,277
North Dakota $651 $1,310
Ohio $635 $923
Oklahoma $857 $1,630
Oregon $954 $1,284
Pennsylvania $1,430 $1,405
Rhode Island $1,016 $1,923
South Carolina $980 $1,592
South Dakota $1,049 $1,331
Tennessee $725 $1,217
Texas $1,370 $2,067
Utah $841 $1,446
Vermont $651 $1,013
Virginia $751 $1,079
Washington $736 $1,271
West Virginia $875 $1,390
Wisconsin $584 $946
Wyoming $810 $1,499

How Is USAA Car Insurance Cost Calculated?

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.

Things like vehicle color, where you park, and having a loan will not affect premiums. The USAA insurance score is calculated from your credit report but doesn’t have any effect on credit scores.

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 Options

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. 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

Additional Coverage With USAA

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 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 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.

Is USAA Worth Joining?

USAA has a reputation for providing great customer service whether you use its car insurance or banking and investing options. USAA offers some of the cheapest car insurance around. And once you join, your spouse, children, and step-children can also become members.

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 2021 U.S. Auto Insurance Study lists USAA insurance as the highest-rated choice in every region of the U.S. – beating competitors like State Farm, Geico, Progressive, and Allstate. 

How Good Is USAA At Paying Claims?

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. 

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

Negative USAA Insurance Reviews

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 Complaints

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. 

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.

USAA Mobile Apps

The USAA mobile app has a 4.4-star rating out of 5.0 in the Google Play Store. 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.

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.

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.

Be aware that the SafePilot program is not available in the following states:

  • California
  • Delaware
  • Indiana
  • Massachusetts
  • New Jersey
  • New York
  • North Carolina
  • Vermont
  • Wisconsin

*List current as of 5/2/22

Other Top Car Insurance Providers

Of course, not everyone will qualify for USAA auto insurance – and even if you do qualify, we still recommend getting multiple car insurance quotes to ensure you end up with 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.

FAQ: USAA Insurance Reviews

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 fourth 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 in 2021.

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.

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 $1,013 per year, while the industry average is $1,732 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.


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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