USAA Auto Insurance Reviews

I've been with USAA for some time now, never made a claim, paid on time-no hiccups. Suddenly near the end of my loan they raise my rates, and cite the economy. This is ** and many companies are using inflation and the economy as a justification to milk consumers. It's consumers who are having the hardest times in the companies. The CEOs and their minions could care less. More profit for their pockets. Looking for better deals, NOW!

On May 10, 2023, I was involved in an accident with one of USAA's clients. Everything proceeded smoothly until they decided to give me the runaround in repairing my car or compensating me for its worth. The adjuster was nowhere to be found, and it took me a couple of months to receive any response from them. They informed me that my car was a total loss and provided a specific amount they were willing to pay for it via email, stating that I could dispute it if I could find a car in the same category with the same mileage within a 100-mile radius. Unfortunately, I couldn't find an exact match, but I did find a vehicle that was one year older and one year newer, so I disputed the price they were offering.

Eighteen years as a member. Zero incidents. They have raised our rates by $480. When we were hit by another driver, that took full liability, they left us stranded from 9:00 PM until after 12:00 AM. We only got home after that because we paid for our own ride. Our vehicle was left at the scene of the accident for over 18 hours before they showed up. USAA is not only not a benefit for service members (myself) and their families, it is worse than other insurance agencies.

I was involved in a hit and run (H&R) accident in mid August 2023 when a USAA insured member totaled my car and then fled the scene of the accident. I was able to get the license plate number of the H&R vehicle with the help of 2 eyewitnesses. I filled a claim with my insurance company only to have them drop my claim so I could file it against USAA (the H&R driver’s insurance). Since filing the claim with USAA: I’ve been lowballed on the price of my vehicle and stalled relentlessly. I filed a claim for loss of use of my company (rideshare) vehicle 2 weeks ago, but I’m being stalled on that as well. The really scary part about this all is that the USAA driver that hit me and fled the scene of the accident was probably DUI.

My phone number has changed. I cannot access my online account due to change. USAA wants to text me a verification text BUT! They do not have my current number on file. If text sent, message will go to my "old" cell phone which was my company cell phone for the past 10 years. I need to send USAA a copy of my driver's license to USAA via postal service for verification of who I am. Easier for me to subscribe to a new provider at comparable rate. USAA already has my name, SS#, DOB, address... Sending drivers "for identity protection". I am receiving quotes now from other providers as I type.

My brand new car was rear ended by one of USAA members. The claims department has not done anything but give me the runaround. The claims department does not answer or return phone calls. USAA and their insured have caused me a big inconvenience.

GET AN ATTORNEY! I have USAA. I was rear ended - just a somewhat minor accident so I figured it wasn’t worth getting an attorney. I quickly figured out they don’t care about you AT ALL. First! Filing a claim easy peasy but trying to get them to do anything at all afterwards was like pulling teeth on a live bear. They don’t return phone calls, they don’t return emails, they have some sort of contact email system like a message board that they don’t read nor return emails. It was literally easier to deal directly with the other driver's insurance. Everything was how can they get away with NOT paying or minimizing how much to pay me. I had full coverage, a lot of extras and everything they use to not pay or minimize how much was fine print that is not in your contract. Seriously I’m canceling my policy and going to the the insurance the guy that hit me has. But end of the day - all I learned was no matter how small - get an attorney.

Our vehicle was labeled "totaled" due to natural causes. With the exception of a minor hiccup by our USAA adjuster, that held up the process one week, we were satisfied with USAA auto claims service provided. CCC One provided us a Fair Market Value that was fair and Co-Part provided quick service on documentation requirements with reliable texts keeping us up-to-date. Why the Four-Stars? USAA "Your Claim" page on our on-line account was not kept as current as we had hoped...Would much rather use the on-line informational service than spend time talking to a Representative, who too USAA's credit, did return calls almost immediately which was nice.....Happy to be a USAA Member.

I’ve been a member of USAA for almost 10 years. The customer services and support were amazing. However, in the last year the quality of customer care has diminished dramatically. In 2022 I filed a claim for food loss from power outage, no problem. I filed a claim for theft from my property, no problem. When I moved and had to get renters insurance through them, I was denied due to the claims. I had to go elsewhere for it.