USAA ranks among the top performers in Insure.com’s 2026 auto insurance study, offering the lowest full-coverage premium at $131 per month and earning standout scores for claims handling, customer satisfaction, digital experience, trust and renewals. Though membership is limited to the military community and their families, USAA remains one of the strongest options available for eligible drivers.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
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USAA continues to set the benchmark for customer experience in 2026, earning some of the highest survey scores among all auto insurers for claims handling, digital experience, discounts and renewal rates. Its full-coverage premium of $131 per month is the lowest in our study, making USAA an exceptional value for those who qualify.
Customers consistently praise the company for trustworthiness, ease of service, policy options and claims performance, and an industry-leading 97% renewal rate shows strong loyalty among members.
However, USAA remains limited to active-duty military, veterans and qualifying family members, so availability is restricted. For those who qualify, USAA’s combination of low rates, superior claims service and top-tier digital tools makes it one of the best overall choices in the market.
For those who don’t, comparable alternatives may be harder to find given USAA’s consistent outperformance across nearly every measured category.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
USAA is a good choice for you if:
It might not be the best choice if:
Our agents make it hassle-free to get the right quote.
USAA has the lowest average monthly premium among all the carriers we surveyed for this year’s Best Auto Insurance Companies ranking, at $131 for a full coverage policy. The company is only available to military community members (veterans and active-duty military personnel) and qualifying family members, so if it’s an option for you, it’s a good option.
See more rates in the table below.
USAA earned high scores for customer satisfaction, ease of service and policy offerings. When it comes to whether customers are satisfied with the insurer, 90% of customers reported being so.
For ease of service, which measures how easily policy documents and services can be accessed, USAA earned a score of 94%, six points above the category average.
Most USAA customers surveyed – 92% – said they were satisfied with the company’s policy offerings – this was the same score as the top companies, Erie and Travelers in this category. USAA isn’t ranked, however, because it isn’t available to all consumers.
Ninety percent of USAA customers said they would recommend the company to their family members and friends, and 92% of individuals reported finding the company trustworthy.
USAA’s renewal rate of 97% was the highest in the survey, indicating that customers are satisfied enough with the company to continue using it.
USAA and Auto Club Enterprises (the AAA company in Southern California) both earned the top score of 87% for claims handling, indicating that their customers are satisfied with the claims service they receive from these companies.
The digital experience, which measures customer satisfaction with an insurer’s mobile app and website, earned USAA a 93%, 11 percentage points above the average.
Finally, it scored 23 points above average in the discounts category and 11 points above average in the home and auto/bundling category – overall, a solid survey showing for discounts as well.
Below is a list of car insurance coverages USAA offers:
Please note that not every discount is available in all states, and savings vary depending on your state and individual factors.
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Founded in 1922 by a group of Army officers seeking reliable auto insurance, USAA (United Services Automobile Association) has evolved into one of the largest and most respected financial services organizations in the United States. Today, USAA serves more than 13 million members, including active-duty military, veterans and their families. Unlike traditional insurers, USAA does not operate through a large agent network; instead, it provides service directly through highly rated digital tools, phone support and specialized representatives trained to meet the needs of military families.
Financially, USAA is one of the strongest insurers in the country. Its insurance group consistently earns A++ (Superior) financial strength ratings from AM Best, reflecting exceptional stability and claims-paying ability. USAA generates tens of billions in annual revenue across its insurance, banking and investment divisions, backed by disciplined underwriting and a long-standing focus on serving the military community.
Contact USAA: Call 1-800-531-USAA (8722) or visit www.usaa.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.