USAA Auto Insurance Review (2024)

USAA is a highly-rated insurance company offering various insurance options and other products to military members and their families. Drivers can also find life and health insurance, auto loans, and investment products like annuities.

In addition to various offerings, USAA has the lowest auto insurance rates. Although teens and drivers with DUIs pay higher rates, USAA rates are still the lowest out of the top insurers in the nation.

USAA’s numerous products, excellent ratings, and low rates make it a great choice for military members looking for one company to meet various needs.

What You Should Know About USAA

USAA is renowned for its commitment to serving military members and their families, providing auto insurance that’s not only affordable but also rich in features tailored to meet the unique demands of military life.

With an average monthly rate of just $59, USAA stands out for its competitive pricing, especially when factored in with the potential savings of up to 30% through the SafePilot program, which rewards safe driving behaviors.

USAA offers military members and their families various coverage options at the lowest rates. That’s why it’s considered one of the best auto insurance providers for veterans and the military.

USAA also ranks high in customer satisfaction with J.D. Power and financial stability through A.M. Best. So, drivers with USAA insurance are confident the company will be there when needed.

While coverage is only available to military members and their families, it’s available in all 50 states and Washington, D.C.

In addition to auto insurance, USAA offers insurance products such as homeowners, renters, boat, RV, and motorcycle coverage. Drivers can also take advantage of life and health insurance, auto loans, and investment opportunities through USAA.

USAA’s low rates, high ratings, and various coverage options make it a great fit for military members.

USAA Insurance Coverage Options

USAA offers various auto insurance coverages and other insurance products. Since USAA provides many products, drivers may find the company meets all their needs.

Typical auto insurance offerings from USAA include the following:

• Liability auto insurance
• Collision auto insurance
• Comprehensive auto insurance
• Uninsured/underinsured motorist coverage
• Personal injury protection coverage

In addition, USAA offers roadside assistance, rental car reimbursement, and accident forgiveness. Hard-to-find coverage, such as rideshare and classic car insurance, is also available. Drivers can bundle their auto insurance policy with numerous coverages and services, making USAA a one-stop shop for insurance.

Additionally, USAA caters to the specific needs of military families with coverage options that include vehicle storage discounts and coverage suspension options during deployments, which can significantly reduce insurance costs for service members who are away from home.

Other USAA coverages and products include:

• Homeowners
• Renters
• Recreational vehicles such as motorcycles, boats, and RVs
• Health
• Life
• Pet
• Travel
• Auto loans
• Annuities

USAA rates are typically lower than other insurance companies, so using the company for multiple needs saves money.

Rate Stability and Predictions

USAA’s rates are noted for their stability, which is a significant consideration given the potential fluctuations in the insurance market. Looking forward, while there might be nominal rate increases, USAA’s history of careful rate adjustments suggests that any changes would be moderate and aligned with industry standards, ensuring that rates remain reasonable for the quality of coverage provided.

How do you file a USAA claim?

While you can file a car insurance claim with USAA on the mobile app, you can also call USAA if you prefer to speak with someone. The USAA claims phone number is 1-800-531-8722, which also serves as the USAA customer service phone number.

While rare, most USAA complaints revolve around claims and customer service. However, USAA still has very high satisfaction ratings since most drivers are very satisfied with how claims are resolved.

Drivers can also use the USAA app or website for most needs, such as accessing policy information, paying bills, or applying for loans.

SR22 Insurance Coverage

USAA offers SR22 insurance filings for those who are required to prove financial responsibility following serious driving offenses. This coverage is crucial for drivers looking to reinstate or maintain their driving privileges under state requirements. USAA simplifies the process of obtaining SR22 certification, integrating it seamlessly with existing auto insurance policies, which helps to minimize the hassle for members needing this service.

USAA Insurance Rates Breakdown

Many factors affect auto insurance rates, including age, driving history, and credit score. Therefore, USAA auto insurance quotes are different for each driver. To get an idea of auto insurance rates across the country, take a look at the map below.

USAA auto insurance rates are the lowest, but you’re only eligible if you’re a military member or family member. Other drivers don’t qualify for coverage.

Most states require at least a minimum amount of liability coverage. However, liability coverage only pays for damages to others. Therefore, drivers should add collision and comprehensive coverages to protect their vehicles.

Full coverage auto insurance includes liability, collision, comprehensive, and other required coverages. While more coverage equals higher rates, you’re better protected and pay less out of pocket if your vehicle gets damaged.

This table shows average rates based on full coverage from USAA and other top insurers.

USAA vs. Competitors: Full Coverage Auto Insurance Average Rates From Top Providers

In addition, we’ve put together a table showing monthly rates based on minimum coverage.

Metromile vs. Competitors: Minimum Coverage Auto Insurance Average Rates From Top Providers

As you can see, USAA rates are the cheapest regardless of coverage. Considering full coverage is only around $11 a month more than liability-only coverage, it makes sense to choose the most protection available.

How does driving history affect USAA auto insurance rates?

Auto insurance companies check driving records, so drivers with accidents, tickets, and DUIs see the highest rates since they’re more likely to cost the insurance company money.

This table shows how having one accident on your driving record affects USAA car insurance rates.

USAA vs. Competitors: Auto Insurance Monthly Rates for Drivers With an Accident

You can expect your rates to increase after a speeding ticket as well.

USAA vs. Competitors: Auto Insurance Monthly Rates for Drivers With a Ticket

While USAA rates increase with speeding tickets or accidents, they almost double with a DUI.

USAA vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

Drivers with multiple dings on their driving record see extremely high rates. Additionally, drivers with multiple infractions may be considered high-risk and require costly special coverage.

Does your credit score affect USSA rates?

Your credit score affects many aspects of your life, such as loan rates, credit card interest rates, and qualifying for an apartment.

However, many drivers aren’t aware their credit score can affect their insurance rates. While some states, like California, don’t allow insurers to use this factor to determine rates, most states allow auto insurance companies to use credit scores.

Most insurance companies believe that drivers with good credit are more likely to avoid filing a claim and will pay for damages themselves. On the other hand, drivers with poor credit are more likely to file a claim and possibly miss payments.

USAA uses credit scores to calculate insurance rates. This table shows how much more drivers with fair or poor credit pay for USAA coverage.

USAA vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Credit Score

USAA drivers with poor credit pay double compared to drivers with good credit. The good news is that you can raise your credit score by making on-time payments and using credit responsibly.

How USAA Compares Against Other Auto Insurance Providers

Dive into the detailed breakdown presented in the table below to uncover how USAA stacks up against various competitors in the auto insurance industry.

USAA Discounts Available

We’ve already shown that USAA auto insurance is the cheapest out there. However, there are ways to get even lower rates.

The easiest way to lower rates is to take advantage of auto insurance discounts. USAA auto insurance discounts are based on the driver, policy, and vehicle. In addition, drivers can bundle eligible discounts for the most significant savings.

Drivers can also participate in the USAA SafePilot program to earn additional savings. SafePilot is a telematics program that monitors your driving habits, such as speed and hard braking. As a result, drivers who exhibit safe driving can save up to 30% on their auto insurance.

Lastly, look closely at your policy. Lower coverage amounts and raised deductibles to lower your rates. However, doing so means higher out-of-pocket costs if your vehicle gets damaged.

Customer Service Excellence

USAA’s customer service is structured around the needs of military families, offering 24/7 support through various channels, including a comprehensive auto insurance phone system, online portals, and mobile app support. This ensures that members can reach out for assistance, manage their policies, and file claims at any time and from anywhere, which is particularly beneficial for families who may be dealing with irregular schedules or deployments.