About USAA Auto Insurance
USAA sells auto and property insurance to members of the U.S. military. The company has auto coverage options for all active and retired military personnel and their immediate family members. It offers several coverage and discount options for drivers, as well as their vehicles and passengers.
Overall Satisfaction Rating
- 5 stars
- 4 stars
- 3 stars
- 2 stars
- 1 stars
Pros
- Several discounts
- Charitable company
- Competitive rates
Cons
- Only available to military members
- Limited local branches
Bottom Line
USAA provides coverage for military members and their families. It offers competitive rates, a variety of discounts and a convenient mobile app. You can check your eligibility online or request a free quote.
Top USAA Auto Insurance Reviews
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USAA may not be the cheapest priced insurance, but you get what you pay for. I prefer to pay a few extra dollars for the greatest customer service experience ever. They have the e...
Read full reviewUSAA is hands down the best insurance provider. I have yet to have a bad customer service interaction. They have always come in clutch in an accident. Plus great discounts not onl...
Read full reviewWhat is USAA car insurance?
USAA is an insurance provider that services military servicemembers and their families. The company offers a variety of coverage options, competitive rates and discounts for qualifying policyholders. If you’re eligible, you can enroll or request a free quote online or over the phone. Its discounts include savings for safe drivers, good students, new vehicles, upfront payments and more. USAA also offers banking, investment and retirement services for military members.
USAA auto coverage
USAA helps policyholders tailor their coverage to suit their needs. It offers liability, comprehensive, collision, personal injury and uninsured motorist coverage options for all policies. To get started, confirm your eligibility on USAA’s website and request a free quote. You can adjust your coverage levels to get a premium that matches your budget and find which discounts you might qualify for to save money.
Once your policy is active, you can submit claims online, over the phone or with the USAA mobile app. You can use the app to get insurance cards, request roadside assistance or view relevant information in the event of an accident. The app also offers other services, like car buying and selling, member-exclusive discounts and more.
USAA car insurance quotes and rates
You can get an idea of USAA’s car insurance rates by requesting a free quote. Its premiums typically cost between $600 and $1,500 per year, but pricing depends on your driving record, vehicle details and any available discounts. USAA has discounts for safe drivers, good students, new vehicles, families, stored vehicles, military installations, longtime members and more.
You can also save up to 10% by bundling your auto policy with other coverage. USAA offers flexible payment plan options with no upfront costs.
USAA car insurance FAQ
Who is eligible for USAA car insurance?
How much is USAA auto insurance?
Does USAA use your credit score for car insurance?
Where is USAA available?
Is USAA car insurance good?
USAA is highly rated by its member base of military servicemembers and their families around the world. The company offers competitive rates and fully customizable coverage with a wide variety of discount opportunities. However, USAA eligibility is limited to active, retired or honorably discharged military members, as well as their spouses and children.
USAA Auto Insurance Reviews
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My car was totaled in a tornado on Feb 26, 2023. USAA wrote checks to the lienholder and to me for the remainder. I instructed them to deposit it into my account via ACH. They simply dropped the check in the mail without notifying us that there was a problem with the ACH. (The problem was that they put my husband's name on the check, since he is the veteran, and tried to deposit it into my account, which only has my name on it, and is the account where they deduct the payments every month.) They never asked me for the account number because they already had it, but they took it upon themselves to put my husband's name on the ACH.
The check took two weeks to get to me, meanwhile they only authorize a rental car for 7 days. So they left me with no car because they did not ACH the payment nor did they even send the check with a tracking number! Just put a stamp on it and good luck getting it. The lienholder was not so lucky. Today is March 23rd and they still haven't received their payoff check, and are telling me that they will deduct another car payment from my account if they don't get it.
I called USAA numerous times about this, and sometimes get customer agents who don't know what they're doing or who are rude. It turns out that they sent the check to the wrong address. This Monday I told them to void that check and write a new one, and I gave them the correct address to send it to. Today is Thursday and I had to call 3 times to talk to someone who, after a long wait on hold, finally figured out that they never voided the check or issued a new one. One last complaint - Every time I call they ask a million unnecessary questions to verify your identity and then send a code to your phone. It seems like their goal is to frustrate their customers - Seriously. I'm switching auto insurance companies as soon as this is resolved. Don't use USAA.
Had an automobile accident and upon contacting USAA and detailing the accident information it was recorded as having happened in Montgomery, Alabama. The accident occurred in Upper Moreland, Pennsylvania. I am 78 years old and gave detailed addresses as to where the accident occurred which were confirmed by the claims adjuster. To say that it was a frustrating nightmare rectifying this error is an understatement. To add to my frustration there is no one available to speak with at USAA during the weekend. I will absolutely commend the claims adjuster that resolved the situation was is knowledgeable and patient.
My frustration is compounded in that I am receiving statements pertaining to my auto insurance bill being due when I have confirmation that it was paid in full with my VISA card account. I keep getting email and iPhone message that the bill is due. It being the weekend there is no one at USAA to resolve this issue. It would have been wonderful if USAA could have sent a claims adjuster to my home instead of requesting me to take photos via an app that I do not understand how to complete. I needed to schedule an appointment at a USAA approved body shop to complete the appraisal. At age 78 this is not convenient for me, but I must comply. I simply wish the USAA would have one individual to keep you advised regarding the status of your claim.
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Got hit by another driver. USAA gave me a reservation for a rental car (small car) so I can get to work. But no rental places around me have small cars just SUV. So USAA basically said, "Tough, you will just have to wait until one is available". Really, how pathetic of a company that they won't change the reservation. So no car, could be a month or longer before mine is fixed. What's the point of insurance if they are absolutely useless when you need them. I'm hoping USAA loses every customer. On top of all that, the initial claims rep (have her extension) won't even answer. I get sent to other reps. Horrible customer service. I hope this helps with at least one person not picking up this worthless excuse of a insurance carrier.
Worst Auto Insurance we have had the misfortune of dealing with in over 30 years of having auto insurance. Debris on the road caused damage to our vehicle. Our vehicle was in the shop for 6-7 weeks since USAA was not communicating with repair shop or with us. After weeks of trying to reach someone who could provide more information regarding our claim and providing photographs, they refused to cover the most of the damage, so we had to pay about $4,400 out of pocket and they paid about $200. They insisted that the damage was due to known issues to that model and they saw no place of impact, even though the knocking noises and other engine issues had not been present before the accident. (Photographs gotten from repair shop show a dent where engine/undercarriage damage was.)
They couldn’t/wouldn’t provide documentation that it was a known issue to that model, the dealership/repair shop denied it being a known issue, USAA claim adjuster couldn’t tell us who they spoke to at the repair shop when they inspected the vehicle, had only one photograph on file of exterior damage to vehicle but none of undercarriage, had very limited documentation, and somehow didn’t know the employee in charge of the repairs had been trying to contact them for few weeks.
I have spent months providing them with further information such as additional photos and letter from repair shop with statement that disagrees with their decision. They have not even had the courtesy to even respond to my messages and phone calls. These has been going on for about four months. When, I finally did reach someone with their agency all I got from them was that they stand by their decision and to look it up in the internet and I will see people complaining about it. They don't even have documentation to prove it is a known issue, but even if they did why wasn't the vehicle having the "known issues" before the accident? Just because some vehicle are having those issues it doesn't mean that all of them are especially when they only appeared after an accident and there is an impact to that area.
We have been USAA customers for 37 years and have multiple accounts with the company (insurance, banking, etc). However, the claims representatives have treated us so horribly over a simple windshield replacement for a new car. USAA only wants us to use Safelite to replace the window, but we want OEM windshield from our dealer who says it is an authorized Safelite facility. Our car is less than a year old. We tried to explain this to the USAA claims rep who refused to listen and just transferred us to Safelite on the phone. I told her we wanted to talk to USAA about the claim not Safelite, she told me, "No, USAA cannot help." I asked to speak to her supervisor but she refused to transfer me, saying, "No, they will tell you the same thing." Then, she hung up on me. I called back numerous times and requested to speak to a manager, but the USAA routing operators refused to send me to a supervisor or member services team member.
One router accidentally sent me to USAA bank rep, who was horrified over my treatment by claims. She actually wrote tickets up to escalate my claim and tried to get auto and claims resolution member on phone to listen to me but they refused. The USAA claims reps were mean to a colleague in USAA banking. Who is running the claims department? Absolutely dysfunctional! We're in total shock over our treatment. If USAA can't professionally work with us over a simple windshield, how can we trust the company to handle any catastrophic event that might happen to us? We can't. USAA is not the company that started out a hundred years ago to help military veterans. It only wants to make money off veterans. If I could give USAA a zero rating, I would. We're still waiting for USAA to listen to us and repair the cracked windshield. Unbelievable.
My brother is a Vietnam Veteran having served 2 times in Vietnam during the war. He used USAA because they advertise that they are there for veterans. He is now very ill and I have his Power-Of-Attorney to be able to assist him with his needs. He is blind and has a hearing deficit. He has car insurance through USAA but because he has lost his sight and sold his car he needs to cancel the insurance. USAA was notified and I was told to send them my POA which I did. They received it and sent my blind brother a letter stating why they could not cancel it. Because he cannot see he will never know what is required of him to do.
They told me they could not cancel it because there was no agent listed. There is no agent because the agent that sold him the policy is out of business and so is her company. They then stated that they needed my citizenship status, my Social Security number, address, phone number, email address, etc. My information should not matter and they have my POA on file along with my phone numbers and email address. I supplied them with all the info against my better judgement and I was told that it would take up to 14 business days for them to respond. They are not saying the policy will be terminated. They are stating that is when (approximately), I will hear from them. This is totally unacceptable and no way to treat a Veteran or anyone else. I would not recommend anyone get any type of insurance through this company. They do not protect or represent Veterans. It seems to be a gimmick that gets them business.
After over 3 1/2 decades of on time payments of both auto and home insurance, I had one small minor claim on my vehicle, and it has been nothing but a nightmare. I hit an object in the road because of a pick up truck in front of me went right over it being higher up than my honda civic. It was an axle off of a lawn service trailer and it punctured my radiator. The costs were 6k to fix. USAA paid the honda dealership and now have doubled my rates on both vehicles on our policy for 3 years. Virtually getting their money back. I battled for over a month to get them to reconsider and they refused to budge. I am now taking my home and auto insurance elsewhere. USAA would rather lose a client who had been loyal for 36 years than be decent. I have noticed from other reviews they have been slowly declining for the last 3 years. I see it firsthand.
Over three months now and my car is still not fixed! The coverage for the car? Contingent on the review of a call from a senior policy advisor! After three months of “We cannot find the call,” “Oh we never initiated looking for the call,” to now “Ok so yes the representative said the car was covered but what does he know?” Twenty years of premiums and this is what they do! Holidays ruined, can’t drive to work or get the baby to a doctor because they denied their representative ever stated the car would be covered!! Finally we prove he said it and nothing! They are deceiving you with their “Here to serve!” Run from them! The only thing they serve is bad faith and lies!
I have been a member of USAA for over 30 years. Our youngest daughter moved to Missouri in June 2022. We tried to get her a bank account in August and USAA required a physical copy of her SSN card. They said this was a federal law. We provided USAA with bank statements and tax documents with her SSN. This still was not acceptable. Even though we had opened several bank accounts with other institutions that year, not to mention, Our daughter opened an account in Missouri with no problem and also has an account in Colorado.
Fast forward to December. We received a letter from USAA stating that she would be put on our policy because her driver's license showed our address. My husband spoke with a USAA representative and explained that she moved in June, got her own apartment in August, got married in October and resides in Missouri and should not be added to our policy and that she has her own policy with Progressive. Now we get a letter in the mail stating our adult daughter has been put on our policy without our authorization and we will be charged over $3000 for 6 months. We immediately call USAA to get her removed.
The representative as well as the manager said she could not be removed without a copy of her insurance and her lease. 1st of all she should not have ever been added to our policy without our authorization. 2nd she is an adult and she has a right to her privacy. She should not have to give her mommy and daddy her and her husband's car insurance policy. We are beyond frustrated and furious with USAA. I have been a member for over 30 years and they have steadily gotten worse. Their service, they are incompetent and I no longer trust them with our money. We will put our money elsewhere and get our homeowners insurance, car insurance and bank accounts elsewhere. I hope USAA loses business. So disappointed! We really feel like this is USAA's way to scam money out of us.
I have been a customer for 19 years. The last two years have been so hard. This month Dec has been horrible. I lost my mom, while battling a horrible case of Covid, a week later I lost two nephews in a house fire both under the age of 5. Then on Dec 24 I lost my uncle. Now you tell me how could I keep my head on straight. I set timers to remind me but I somehow forgot the 24 when my insurance cancelled while dealing my Uncle's death. I called today to pay and get reinstated and I was told I had to pay the entire lease. I was at the end of the last premium so I was prepared to pay that but not over a thousand. I was more hurt by USAA than I was with not having insurance. I loved them. Always referred people. 19 years got me nothing. Yes I will be telling my entire family. We all use them. Our trucks, RVs, Vans, boat. Time to go.
USAA Auto Insurance Company Information
- Company Name:
- USAA
- Website:
- www.usaa.com
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