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USAA Auto Insurance Ratings

Ranked No. 1 Overall
Customer Satisfaction Ratings (based on 107 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Auto
89.98
out of 100
95
90
88
85
92%
94%
A++
Feb 24, 2017
Note: USAA only sells to members of the military and their families
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Reasons for Buying from USAA

Customers of USAA originally decided to purchase from the company for these reasons:
Recommended by friend or family member27%
Reputation20%
Saw TV commercial14%
Saw online ad10%
Was the company my parents had9%
Offered best price9%
I had other insurance with this company6%
The company website and mobile apps are easy to use and helpful3%
Financial Strength rating2%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 58%
I probably would recommend this company. 34%
Neutral 7%
I probably would not recommend this company. 2%
I would not recommend this company. 0%

Would you renew?

Yes 94%
No 6%

Website and Apps

How easy to use and how helpful they are
45%Excellent - Gives me what I need and more
42%Good - Fulfills my needs
8%Just okay - Fulfills some but not all of my needs
5%Never visited/used website or mobile app
0%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

34%Phone
9%Email
33%Interactive website
3%Smartphone app
22%In person

About USAA

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

Best Auto Insurance Companies 2018

USAA auto insurance came out on top of the 2018 consumer survey placing 1st overall (89.98 score). USAA policyholders appear pretty happy with the insurer as it also placed first for auto claims (5 stars), value for price (4.5 stars) and customer service (4.5 stars). Its worse showing was 3rd for the ease of use of website and apps. Over 94% of consumer surveyed said they planned to renew with USAA.

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.


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

Coverage Options

No drop promise/guaranteed renewal program Your policy will be renewed even if you have accidents and traffic violations.
Mobile app. The insurer offers an app for smartphones.
Accident forgiveness. Your rates won't increase after your first accident.
Offers 12-month policies. Your policy term can be one year before the next renewal.
Waiver of deductible for not at-fault accident. You won't have to pay your collision deductible if an accident wasn't your fault.

Discounts

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