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USAA Car Insurance Company

  • Roadside Assistance
  • Accident Forgiveness
  • Discounts for bundling
Customer Satisfaction Ratings (107 reviews)
Overall Score
92% Recommend to a Friend
94% Plan to Renew
A++ Financial Strength RatingsApr 05, 2019
Claims Processing 4.5
Customer Service 4.5
Value for Price 4.25
Website & Apps 4
Customer Satisfaction Survey Methodology
Note that this is an independent editorial analysis devoid of affiliations or partnerships of any kind– companies did not pay to be included. Insurance.com commissioned Op4G to survey more than 3,100 insurance customers nationwide in December 2017. The survey collected customer ratings for 20 leading companies in the auto category and 15 leading companies in each of the home, health and life categories. Only current customers of the insurers on our lists were surveyed, and the survey was not open to the general public on the Insurance.com website. Auto, home and health insurers were ranked according to a weighted 6-point measurement of the following factors: customer service, claims processing, value for price, merit of website/apps, would recommend and would renew. Life insurers were rated on a weighted 4-point measurement on customer service, value for price, merit of website/apps and would recommend. The A.M. Best ratings, discounts and coverage options noted in the survey do not affect the scores, but are provided as a supplementary resource. Insurance.com makes these ratings freely available via this site. The views and opinions expressed by users do not reflect the views and opinions of Insurance.com. Insurance.com expressly disclaims any and all liability in connection with the ratings.

Claims and contact information


USAA has insurance, banking, investment and retirement offerings which more than 11 million members take advantage of.  Membership with USAA is not open to everyone though, you must be serving or have received an Honorable discharge from the military or be an eligible family member to a service member.

USAA does business in all states and the District of Columbia. Because catering to military families is its focus, USAA offers payment plans to fit your schedule as well as vehicle storage and military installation discounts.

USAA claimed 5.68 percent of the private passenger auto insurance market as of 2017 according to the National Association of Insurance Commissioner's (NAIC) database.  This ranked it in 5th place for auto insurers in the U.S.

Types of coverage

  • Auto
  • Collector & classic cars
  • Ridesharing endorsement
  • Homeowners
  • Condominium
  • Mobile home
  • Renters
  • Motorcycle
  • RV
  • Boat
  • Umbrella liability
  • Life
  • Small business

Offerings can vary by state.

Auto insurance discounts

  • Safe driver discount: Maintain a good driving record for more than 5 years.
  • Defensive driving discount: Complete an approved course to get a discount.  Age restrictions may apply.
  • Driver training discount: Drivers younger than 21 who complete a basic driving training course can receive a discount.
  • Good student discount: Earn good grades as a fulltime student and receive a discount.
  • New vehicle discount: Get insurance for a vehicle that’s not more than 3 years old and receive a discount.
  • Annual mileage discount: Receive a discount based on the number of miles you drive each year.
  • Multi-vehicle discount: Extend your auto policy to two or more vehicles to get a discount.
  • Vehicle storage discount: Get a discount of up to 60% when you get car insurance for a car in storage.
  • Family discount: Continue the USAA auto insurance tradition that your parents started and you could save up to 10% on your own policy.
  • Military installation discount: Save up to 15% on comprehensive coverage when you garage your vehicle on base.
  • Multi-policy discount: Receive a discount when you have multiple USAA policies and products
  • Loyalty discount: Stay with USAA to receive a savings.

Offerings can vary by state. Some features may be optional.

What would make USAA customers switch?

We surveyed more than 4,000 auto insurance customers about how much they would need to save before switching from their insurance companies.

9% Would never switch
10% Would switch if savings were $1000 or more
20% Would switch if savings were $500 or less
28% Would switch if savings were $250 or less
11% Would switch if savings were $100 or less
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Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

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