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USAA Auto Insurance Reviews and Ratings

Written by: Penny Gusner | Reviewed by: Michelle Megnaquality verified | Updated on
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USAA Ratings
Overall Rating: 4.74
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J.D. Power: 5.00
Average Premium: 5.00
Speeding-Increase: 4.89
At-Fault: 4.71
NAIC: 4.38
Multi-Policy Discount: 2.49
AM Best Rating A++

About USAA Car Insurance Company

General: 1-800-531-8722
Claims: 1-210-531-8722
Corporate Headquarters 9800 Fredericksburg Road
San Antonio, TX 78288

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.

USAA Car Insurance Coverages

  • 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)

USAA Car Insurance Additional Policies

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

In which states is USAA available?

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