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USAA Car Insurance Ratings

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USAA
A++
   Effective Date: June 10, 2016
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Customer Satisfaction Ratings

(131 reviews)

 
Product
 
Overall
Claims
Processing
Customer
Service
Value
For Price
AUTO
87.5
% Who Would
Recommend to
a Friend
91%
% Who Plan
to Renew
92%
Financial
Strength
Ratings

A++    June 10, 2016


Note: USAA sells only to members of the military and their families.
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Reason for buying from USAA
Customers of USAA originally decided to purchase from the company for these reasons:
21%Saw a commercial.
18%The insurer was recommended by a friend.
16%The insurer offered the best price.
16%Was the company their parents had.
14%The insurer's reputation.
9%Other reason.
6%Had other insurance with this company.
Would you recommend this company?
  • already have
  • yes
  • not sure
  • probably not
  • no
  • 50%
  • 41%
  • 7%
  • 1%
  • 2%

Would you renew?
  • yes
  • no
  • 92%
  • 8%



About USAA

USAA car insurance received the second highest score, 87.5, in our best car insurance companies survey and received a "People's Choice" award by earning rankings within the top three for each category. USAA earned 4.5 stars for its overall customer satisfaction score, which combines scores for claims, customer service and value, plus the percent of customers who say they will renew their policies and recommend the company to friends. Customers rave about USAA, however, to obtain auto insurance with USAA, you must fit within their eligibility parameters, which targets U.S. military members and their families.

 

Operating without brick-and-mortar locations

USAA began as the United States Army Automobile Association in 1922. Today, the company provides financial products to more than 11 million members worldwide. Since military members cannot regularly access brick-and-mortar locations, USAA operates without them and is a leader in online and telephone functionality and customer service.

Members who do banking with USAA enjoy convenient features such as low- or no-cost accounts and the use any ATM with the ATM fee waived or refunded. Members also have access to special rates for buying and financing cars, as well as discounts for car storage.

 

Types of auto coverage

  • Personal auto/Business auto
  • Boats/jet skis
  • Motorcycles and scooters
  • Motor homes
  • Collector and antique automobiles
  • Driving as tourist in Mexico
  • Aviation vehicles
  • Rideshare (in certain states)

 

Additional policies offered

  • Life insurance
  • Renters
  • Homeowners
  • Rental Property
  • Valuable Personal Property
  • Flood Insurance
  • Annuities
  • Umbrella insurance
  • Small Business insurance

 

Consider USAA for military families

If you are eligible for USAA membership, the coverages and competitive rates are are hard to beat.

USAA offers membership to active military, former military, military family (defined as widows, widowers, and un-remarried former spouses and individuals whose parents have had USAA auto or property insurance), cadets and midshipmen at U.S. service academies. Military members and veterans who have been honorably discharged can pass down their membership to the next generation.

It is licensed to sell automobile insurance in all states, Washington, D.C., Guam, Puerto Rico and the U.S. Virgin Islands.

Contact information

Corporate Headquarters

9800 Fredericksburg Road
San Antonio, TX 78288

General: 1-800-531-8722

What's covered
Coverage Options
Accident forgiveness. Your rates won't increase after your first accident.
No-drop promise. Your policy will be renewed even if you have accidents and traffic violations.
Offers 12-month policies. Your policy term can be one year before the next renewal.
Mobile app. The insurer offers an app for smartphones.

Discounts
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Defensive driver. Discount for an approved defensive driving or driver improvement class.
Academic achievement. Discount for full-time students who meet certain academic criteria.
Safe driver/clean record. Discount for no accidents or traffic violations, usually for three or five years.

Note: Not all discounts will be available in all states or for all customers. Details and eligibility will vary by insurer. Insurers may offer additional discounts not included on this list.