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.
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If you are eligible for USAA membership, its coverage and competitive rates are hard to beat. While not everyone can join, USAA is worth looking at for its insurance options, as it was highly rated in nearly every category in our 2025 Best Car Insurance Companies survey of insurance consumers.
Although USAA isn’t ranked because it isn’t available to those outside the military community, it is a notable company in the survey. It ranked first for cheapest rates, customer satisfaction, ease of service, policy offerings, drivers with tickets and home and auto bundling.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
AM 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.
USAA has the cheapest average monthly rates for auto insurance at $115 per month. If you are a member of the military community or a family member, USAA provides the cheapest premiums among the major companies we surveyed.
*USAA is only available to military community members and their families.
When you ask policyholders about customer satisfaction, USAA is one of the top companies, with 99% of respondents saying they’re pleased with the service they received. No company received a higher score.
USAA was one of the top companies in 2025’s Best Insurance Companies ranking for ease of service – including accessing policy documents and services – along with Amica at 97%.
When we asked customers to rate insurance companies based on their policy offerings, USAA had one of the highest scores, with 96% satisfied. Amica was slightly behind at 93%. USAA also offers condo/home/renters insurance, valuable property insurance, flood insurance and life insurance.
If anyone recommends USAA auto insurance, don’t be surprised. We found that most customers (95%) would recommend it to others. Most companies landed in the 80th and 90th percentiles in this category.
USAA continues its straight As with a consumer score of 93% for trustworthiness. Amica edged past USAA in this category, and State Farm tied USAA at 93%.
Ninety-six percent of USAA customers said they plan to renew, one percentage point lower than Travelers. Most companies scored in the 90th percentile for renewal rates.
When it comes to claims handling, USAA outranks the competition, beating most other companies with a score of 91%. Only Farmers (94%) did better. Most insurers scored in the 70th to 80th percentile for claims handling.
USAA earned high marks for its digital experience, scoring 91%. Nationwide was the top scorer with 91%, but most companies were in the 70th and 80th percentiles for digital experience, which suggests some room for improvement among insurers.
The scores among companies for discounts greatly varied—from 52% for Travelers to 86% for Nationwide, the highest score. USAA earned an 80% score.
USAA has some of the lowest annual rates when home and auto policies are bundled; however, its premiums are already low. Among those surveyed, 86% reported satisfaction with their discounts.
USAA has been in business since 1922 and has provided insurance to generations of military members in the U.S. USAA offers membership to active and former service personnel, plus families (defined as widows, widowers, un-remarried former spouses, and individuals whose parents have had USAA auto or property insurance), cadets, and midshipmen at U.S. service academies.
USAA has 13 million members worldwide. Military members and veterans can pass down their membership to the next generation.
In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers. Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories: customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage.
Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.
Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.
In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking.
The editors also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. No insurer in our star ranking received less than half a star, and 5 stars was the most any insurer could receive.