Car Insurance

USAA Auto Insurance Reviews And Ratings

Updated on
USAA Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 92%
Who Plan to Renew 94%
AM Best Financial Strength Ratings 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

Best Auto Insurance Companies 2021: How USAA Compares

Best car insurance for military

If you are retired or active military, or the spouse or child of a former or active member of the military, USAA will likely rise to the top of your list of auto insurance choices. That is precisely what happened in our 2021 review of Best Car Insurance Companies where they earned the ranking of Best Car Insurance for Former or Current Military. USAA has historically ranked at the top of the “best” list, and this year was no exception, as it beat competitors in all metrics, but because of its limited membership, was not included in the overall best ranking.

USAA customers report being treated like family by USAA representatives, having their unique needs addressed and a hassle-free claims process. This explains why they received an InsureScore of four stars in claims, customer service and website & app. 

SafePilot is a usage-based program USAA offers that can reward you up to 20% by exhibiting safe driving behaviors. They also offer a variety of discounts, but one worth special mention is their discount for storing a car on a military base. If you are deployed or frequently traveling and can leave your vehicle garaged on base, you will get a discount. 

Knowing that military members often spend a lot of time away from their loved ones, USAA offers extra perks like 25% off FTD Flowers orders, heavy discounts up to 36% on FedEx shipping and more. 

Ninety-four percent of USAA customers said they plan to renew their policies and 93% of customers said they would recommend USAA to someone they know.

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.

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

How likely customers would recommend this company?

71% I would definitely recommend this company
22% I would probably recommend this company
6% Neutral
0% I would probably not recommend this company
1% I would not recommend this company

Reasons for Buying

Customers of USAA originally decided to purchase from the company for these reasons:
  • 27% Reputation
  • 19% Recommended by friend or family member
  • 12% Offered best price
  • 9% Saw TV commercial
  • 8% Financial strength rating
  • 7% I had other insurance with this company
  • 7% Saw online ad
  • 6% Was the company my parents had
  • 5% The company website and mobile apps are easy to use and helpful

Would you renew?

  • 94% Yes
  • 6% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 65%
  • Fairly satisfied / Fulfills my needs OK 19%
  • Average website and apps 7%
  • Very unsatisfied / digital offering is severely lacking 6%
  • Unsatisfied / website and/or apps are not fulfilling my needs 2%

How do you prefer to deal with insurer and policy?

  • In person 38%
  • Phone 15%
  • Email 13%
  • Interactive website 25%
  • Mobile App 9%

Customer Complaint Ratio


The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

USAA’s customer complaint ratio for Private Passenger Auto insurance is 0.68
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.
Multi-policy Icon
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
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?

Customer Reviews

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:

Customer Reviews

245 Reviews. 4 Stars out of 5
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