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USAA Auto Insurance Ratings
Ranked
No. 1 Overall
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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 member | 27% |
| Reputation | 20% |
| Saw TV commercial | 14% |
| Saw online ad | 10% |
| Offered best price | 9% |
| Was the company my parents had | 9% |
| I had other insurance with this company | 6% |
| The company website and mobile apps are easy to use and helpful | 3% |
| Financial Strength rating | 2% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
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.Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback (87)
Neutral/Negative Feedback (15)
"When I got in an auto accident, we were not made aware of how to remove the totalled vehicle from the policy. We have still been paying out of pocket for a car that does not exist anymore!!!!!"
"They didn't able to make it clear about their policies and what was covered and what wasn’t"
"I have good experience but always look for you to buy a more expensive package"
"Pricey and rates go up"
"Wish that they would give a grace period for paying monthly bills. I don't get paid until the end of the month due to the pay period from my employer and the payment is expected to be sent the beginning of each month/"
"Some customer service reps don't seem to know how to deal with situations. Got a home security system, which they offer a discount on home insurance if you register with them that you have one. Went to register, and the person on the phone had to get a manager to approve $0.12, which is also a far lower discount than friends and family have gotten from them for security systems. Will be calling back to adjust the rate. I like having home and auto together though"
"They keep raising prices and will not work to adjust policies to lower prices"
"Different entities within the insurer, like the appraiser and the agent handling the claim sometimes fail to communicate with each other. There will likely be small issues in the handling of your claim, but so far, they've always been helpful in fixing it."
"For the most part I get the coverage I need, but I'm always on the lookout for better pricing, and benefits"
"I have had good and bad experiences with insurances"
"The price is good but I have not had to make a claim yet. Based on the customer service interaction I have had with them thus far, I am guessing the claim experience will not be so good."
"It would be nice if it was made clear that you must have/ or have had a relative that was a USAA member."
"The cover less than others. You can get better coverage for less money."
"I don't have much to say, not much real experience. I do know that I feel that I am in a community of verterans, and feel good about that."
"I have not had any problem with them"
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"Easy to navigate claims"
-Age 18-36, Alaska"My insurer helped me when I had an illness and I had trouble with the payments for economic problems. "
-Age 18-36, Arizona"Excellent customer service"
-Age 18-36, California"I would want others to know that my insurer is very trustable, as well as something I rely on mostly for any problems I may possibly have with the company,"
-Age 18-36, California"They have a good reputation"
-Age 18-36, California"They are always really nice, and helpful."
-Age 18-36, California"The service is very good, I consider it one of the best insurance companies, in general, I consider it advisable for my friends for their service and reputation"
-Age 18-36, Delaware"It is very good I recommend it"
-Age 18-36, Florida"They have excellent customer service"
-Age 18-36, Florida"Very good company"
-Age 18-36, Florida"I like all about this company"
-Age 18-36, Georgia"They are great at walking through scenarios and what would have the best or worst impact our my situation."
-Age 18-36, Georgia"They are reliable"
-Age 18-36, Georgia"I really like this company, there should be more frequent promotions"
-Age 18-36, Illinois"It's great to have them as my insurer"
-Age 18-36, Illinois"I would want everyone who is eligible to us USAA to get a quote. They aren't always the cheapest, but they have great coverage. They are very easy to reach over the phone or just use the app or interactive website. They are flexible."
-Age 18-36, Kansas"Good service and solid value on price."
-Age 18-36, Maryland"They are reliable and fast"
-Age 18-36, Michigan"Excellent service"
-Age 18-36, New Jersey"Good attention"
-Age 18-36, New Jersey"Is a company that has always responded to my needs"
-Age 18-36, New Jersey"The service is reliable"
-Age 18-36, New Jersey"I love all the benefits they provide"
-Age 18-36, New York"Good customer coverage plan"
-Age 18-36, New York"Great company to use for auto insurance"
-Age 18-36, New York"It is very easy to use and I trust this company."
-Age 18-36, New York"The company is really great and that most people I know use it and love it"
-Age 18-36, New York"They have the best policies, excellent services"
-Age 18-36, New York"Good, realiable and responsible"
-Age 18-36, New York"Quite nice on the phone, we only deal with them rarely but they are always pleasant and willing to work with us and listen"
-Age 18-36, North Carolina"I think she is very good, she is always very attentive when I have some doubts she is always ready to answer me"
-Age 18-36, Texas"It's easy to use and the website is clear and simple. If I have questions, there's always someone I can reach to help me."
-Age 18-36, West Virginia"They seem to have the lowest rate for insurance"
-Age 37-52, Alabama"USAA is the best insurance company in the business by a large margin"
-Age 37-52, Arizona"Really good company"
-Age 37-52, California"It's easy to login and I'm able to communicate with someone by phone. The hours work for me."
-Age 37-52, California"They actually care about you as a person and not just a client. Not only do they have the best rates, but they give you a lot of benefits with a really low rate."
-Age 37-52, California"Seems to be much cheaper. Limited to military affiliation only"
-Age 37-52, Florida"I feel like that they provide good value"
-Age 37-52, Georgia"They are fair and concise"
-Age 37-52, Georgia"Fast reliable service"
-Age 37-52, Illinois"They care an do their best to help you"
-Age 37-52, Kansas"They are so friendly and helpful when you call and offer ways to save each time I call"
-Age 37-52, Kentucky"I have been dealing with this company for many years and know others who use the company. The beginning experience I had with this company was excellent. The company was highly recommended by another friend."
-Age 37-52, Missouri"They provide good coverage for a relatively fair price."
-Age 37-52, Nevada"It is good low cost insurance, but you have to have been in the military"
-Age 37-52, New Mexico"He is very reliable and attentive"
-Age 37-52, New York"How to evaluate health, efficiency and speed"
-Age 37-52, New York"i have 3 year total experience and i would say they have been great for the most part. Even if you have a copy of the plan, it is always helpful to speak to someone else and clarify questions. This way you can identify any possible points of confusion before you receive a bill. You should have a number on your card or on the website that will tell you whom to contact."
-Age 37-52, New York"I have always had the necessary coverage of my policy when I have been presented with some situation that has required me to use it, they have always supported me correctly"
-Age 37-52, New York"It has good costumer services"
-Age 37-52, New York"The company is helpful"
-Age 37-52, New York"The company is really great"
-Age 37-52, New York"Prompt, professional and fair."
-Age 37-52, North Carolina"Good website to research a lot of things about one's policy"
-Age 37-52, Oregon"USAA is great"
-Age 37-52, Texas"They always solve my problem"
-Age 37-52, Texas"They provide knowledgeable service that is affordable"
-Age 37-52, Texas"They provide spectacular service with great rates and never any problems."
-Age 37-52, Texas"They have great customer service and many channels to connect with them any time."
-Age 53+, Arizona"They are the best insurance company out there hands down"
-Age 53+, Arizona"Easy to reach. Takes responsibility for any problems."
-Age 53+, California"If you qualify for USAA they are a good company with good rates and are owned by the members and give a dividend at end of year"
-Age 53+, California"Their rates are competitive and they have the best customer service."
-Age 53+, California"They have good customer service"
-Age 53+, California"USAA is a good insurer, things are pretty much hassle free when you contact them"
-Age 53+, California"Very responsive and helpful"
-Age 53+, California"They care about their customers."
-Age 53+, Florida"U.S.A.A. has provided me with all my insurance since I was 18 years old. My father was a WWII veteran; (a first lieutenant) and made certain he kept an active U.S.A.A. policy"
-Age 53+, Florida"Very quick on claims"
-Age 53+, Florida"They are a very reliable company and always responsive to my needs."
-Age 53+, Georgia"USAA offers a wide variety of insurance products from home/auto to life insurance with professional representatives and a fair price for excellent coverage. They help you assess your insurance needs with no pressure to buy a product they sale. You are able to raise/lower your coverage with ease speaking to a live representative rather than just automated services."
-Age 53+, Georgia"We are family. When a problem or disaster strikes, they are first to arrive, last to leave."
-Age 53+, Georgia"Easy to talk with customer service and is a good company."
-Age 53+, Illinois"They are prompt to answer concerns, very fair in their assessment of damage and have good rates."
-Age 53+, Illinois"They are helpful"
-Age 53+, Kentucky"Offers what I need at a bearable price and is excellent with claims."
-Age 53+, Michigan"When I first signed up with them, I was amazed by how much they could save me for the same coverage all because I was a veteran"
-Age 53+, New Jersey"I have had coverage with USAA for more than 35 years, so that should be an indication of good service."
-Age 53+, New York"They take good care of your when you have a problem and need their help"
-Age 53+, New York"They treat you like family. Everyone I've spoken to there has been extremely kind and obviously focused on helping me with whatever I needed. They were especially wonderful for the first few years they were insuring me because I was driving a very old car that didn't always do very well. I paid just two dollars per six month policy for roadside assistance and they were fantastic. No matter when I called for help they sent someone who arrived promptly and was able to help me with whatever the car needed. I can't imagine switching to another insurance company."
-Age 53+, North Carolina"They have excellent customer service and go above and beyond to address your needs and situation"
-Age 53+, Pennsylvania"They're supportive and help with my changing needs"
-Age 53+, Pennsylvania"They care about my needs"
-Age 53+, Texas"It is a very good value and they also have great service"
-Age 53+, Virginia"I like the way they treat military retires."
-Age 53+, Washington"Excellent coverage and service"
-Age 53+, Wisconsin