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USAA Auto Insurance Ratings

Ranked No. 3 Overall
Customer Satisfaction Ratings (based on 192 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
Effective as of:
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
88.49
out of 100
91.51
91.04
83.96
88.16
86%
94%
A++
October 31, 2019
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%
Reputation25%
Offered best price18%
Was the company my parents had14%
I had other insurance with this company9%
The company website and mobile apps are easy to use and helpful3%
Saw TV commercial2%
Financial Strength rating1%
Saw online ad1%

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

I would definitely recommend this company. 68%
I probably would recommend this company. 18%
Neutral 12%
I probably would not recommend this company. 2%
I would not recommend this company. 1%

Would you renew?

Yes 94%
No 6%

Website and Apps

How easy to use and how helpful they are
48%Completely satisfied - Gives me what I want and more.
37%Satisfied - Fulfills my needs okay.
7%Neutral - No good or bad feelings on this.
7%Never visited or used website or mobile app.
1%Not Satisfied - Is not a good website or app.
1%Very unsatisfied - Their digital offerings are not good at all or nonexistent.

How You Prefer to Deal with Insurers

61%Phone
10%Mobile App
15%Interactive website
4%Email
11%In person
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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 2020: How USAA Auto Insurance Stacks Up

USAA not only placed third overall in the 2020 consumer survey with a score of 88.49, but also placed in the top five in all individual categories. USAA ranked second for both customer service (91.04) and for the usefulness of its website and apps (88.16). With a score of 91.51, USAA placed third for claims handling, and placed fourth for value for price, with a score of 83.96. Over 94% of consumer surveyed said they planned to renew with USAA, and 86% said they’d recommend the company.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of USAA's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, USAA (NAIC# 25941) had a complaint ratio of 0.73 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

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
Claims: 1-210-531-8722

Coverage Options

No drop promise/guaranteed renewal program No drop promise/guaranteed renewal program Your policy will be renewed even if you have accidents and traffic violations.
Mobile app Mobile app. The insurer offers an app for smartphones.
Accident forgiveness Accident forgiveness. Your rates won't increase after your first accident.
Offers 12-month policies Offers 12-month policies. Your policy term can be one year before the next renewal.
Waiver of deductible for not at-fault accident 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 Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Safe driver/clean driving record/good driver Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement Academic achievement. Discount for full-time students who meet certain academic criteria.
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