USAA Car Insurance Ratings

   Effective Date: November 20, 2015
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Customer Satisfaction Ratings

(131 reviews)

For Price
% Who Would
Recommend to
a Friend
% Who Plan
to Renew

A++    November 20, 2015

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 one of our "People's Choice" awards.  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.

USAA background:

USAA began as the United States Army Automobile Association in 1922 when 25 U.S. Army officers joined together to insure one another’s automobiles. They took the step because no one else would offer them insurance.

They elected William Garrison their first president and hired Harold Dunton as general manager -- their first employee.

Two years later the name was changed to United Service Automobile Association to reflect its opening membership to officers of all military services.

In 1934, Stuart Gwyn becomes the first woman on USAA's management team.

By 1936, 14 years after its founding, 60 percent of all eligible U.S. military officers were members.

In the 1950s, USAA began writing policies in Europe, which allowed its membership to grow rapidly.

In 1995, the board of directors voted to extend eligibility to enlisted servicemen and women.

In 2008, eligibility requirements were expanded yet again to include military retirees and widows or widowers of military personnel killed in action. Their spouses and children also were made eligible.

Military members and veterans who have been honorably discharged can pass down their membership to the next generation.

USAA is headquartered in San Antonio, Texas. When company headquarters opened in 1976, it featured its first fitness center for employees and a company store.

USAA is a pioneer in the concept of direct marketing. Most of its business is conducted over the telephone or Internet using employees instead of agents.

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

USAA offers safe-driver and good student discounts as well as an accident forgiveness program for good drivers. Discounts and programs vary by location.

In addition to personal automobiles, USAA offers coverage for aviation vehicles, boats/jet skis, motorcycles and scooters, motor homes, collector vehicles and antique automobiles, business and commercial cars, and for automobile use as a Mexico tourist and along U.S. borders. It also offers other insurance products.

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.

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.