USAA Car Insurance Reviews

This by far is the WORST company I've ever dealt with. Been trying for over a week every day to cancel my insurance. I can't get one live person, I can't get their website to cancel my policy. I had a landline in 2015, they expect me to have that same phone number? They are stealing MY MONEY. They do not make things easy for a VET. Why are they speaking ** on a Military Insurance? I have written them a letter but that probably won't be good enough either. I bet if I wanted to get their insurance it'd be so easy, but not to cancel. Even my CU can't cancel this money coming from my account. I am telling EVERYONE never to do business with this horrible company and if they are on SM, I will be leaving terrible reviews there too.

I encountered USAA for the first time and I pray for it was the last time. Worst car insurance ever. USAA client hit my car. I filed a claim and dropped my car off at USAA authorized shop and they gave me a car rental. After 3 days they told me the claim is total loss because the cost to fix was too high, and gave me 3 days to buy a car because they only covered 5 days car rental. I mean my car was running just fine because it had very well maintenance and I anticipated for many years later.

I called the company today to go over my saved quote from a couple of months ago. They told me that they could not find the saved quote. They quoted me $150. per month more today for the same coverage that was previously quoted to me. What liars they are. They deserve a 0 star.

I've been a USAA member for 50 years and before me, my father -- a military officer who served in WWII, Korea and Vietnam -- was among its first customers. It's clearly apparent, from recent experience, as well as these reviews, that the company has not only gone corporate, but has also jumped the shark. My one and only homeowner's claim was after Hurricane Milton in 2024 and I wound up paying $30,000 out of pocket, after USAA depreciated my damaged carport, then applied the $10,000 hurricane deductible.

We have been with USAA for about 6 years. We did have one claim which they handled better than we hoped with totally the car. However, our policy prices per month have been steadily increasing. I recently checked on the same coverage and was quoted policy premiums that were anywhere from $70 to $100 cheaper. When I asked if there was any way to lower the premium, they said that the only way was to have all drivers on the policy sign up for a safe driving program. No other options, no longevity incentives, no other suggestions. What is up with these companies? Is there a legitimate reason for consistent increases.

I have been a member of USAA for 40 years in the last 3 to 4 years. Their customer service has deteriorated markedly. It used to be excellent, now my experience is it is fair to poor. I perceive it is because USAA has followed other companies and dove headlong into woke DEI hiring because much of the problem is from inarticulate employees whose grasp of the English language and listening skills are poor. I question more and more with every interaction why I continue to remain with USAA. One other trend I always ask to rate the service provided after the call but am never picked to do so, I think they screen out any customers who might rate their service poorly. Add dishonesty to why you should reconsider giving this company your business l.

The most miserable car insurance company on the planet. It’s sad because 10 years ago. They were a decent option for veterans. Their rates aren’t even good anymore. I inquired about a car loan on my online banking site with them. They locked the account for a week until they got around to verifying my identity. Couldn’t look at my insurance cards, couldn’t see my account balances, couldn’t order new checks, couldn’t do anything. Said it was fraud prevention. I told them I was trying to buy a car and needed to be able to see my accounts. They said too bad. Outrageous.

USAA undervalued our totaled 2024 Toyota Highlander and then went quiet. After the May 5 total loss, we submitted a documented counteroffer with comparable vehicle listings, evidence the Highlander was in excellent, well-maintained condition (not the "good" rating USAA's outside vendor assigned), and a reminder that a genuine comparable must carry the same Toyota Gold Certified warranty our vehicle had. Weeks later we still have no written response to any of it. The insured is a U.S. Army veteran who is 100% combat-disabled and been a member for decades. We feel, and our state's laws require a response; USAA has not met its obligation to respond to our counteroffer in writing, and we have filed with the state insurance regulator. We want a fair, market-based settlement and a complete written reply; it's been 6 weeks, and counting....

I was in an accident a few months back (March 24th). I was not at fault; they took my truck about 2 days later and the vehicle was deemed a total loss. I received a form stating the payout amount and when it would occur. I thought wow this is going great. Then I stopped getting responses on the app I call, and no one answers, so I leave voicemails, no response. I have no clue what's going on. It's months later, and here I am still waiting to hear back. Does anyone know what I need to do?

My parents have USAA, and after a tornado damaged their home and totaled their car, the claims process has been an absolute nightmare. At first, things seemed promising. The field adjusters responded quickly and came out to inspect the property right away. But after that, customer service completely fell apart. We were significantly lowballed on the total loss valuation for the car. When we tried to discuss the offer, we got no response for nearly two weeks. We attempted every possible avenue to speak with someone and got nowhere. Eventually, our field adjuster returned our call and escalated the issue, but it still didn’t help. When we finally spoke with another adjuster, we provided fair and well-supported comparable vehicle values from our area. Even with clear evidence that their offer did not reflect the like-kind and quality value of our vehicle locally, USAA refused to budge.

My family has been with USAA home and car insurance for 39 years. Within the last two years, I have seen a decline in your customer service. When I call USAA, I usually have a problem that requires that I talk with an agent. Easy questions are answered in your good website. When I call the 800 number, it usually takes me 6-8 minutes to finally talk to a person. Your automated answering system is much too complicated and takes way too much time to navigate. I understand the value of directing calls to assist the customer, but USAA system is too long. Asking for a representative should get me one on the line. I suggest you streamline your automated system to prevent delaying me when I call.

I was a longtime USAA customer and never expected to deal with the level of frustration and mismanagement I experienced with this company. USAA reported what should have been only a few underlying incidents as numerous separate claims on my insurance history and CLUE report, which severely impacted my insurance profile and rates. I spent years trying to resolve the issue through phone calls and communications with representatives, but nobody seemed willing to actually fix the problem. To make matters worse, USAA attempted to deem my vehicle a total loss and repeatedly tried arranging pickup of the vehicle without written authorization or consent. Communication was inconsistent, and I constantly felt like I was being pushed around instead of helped.

USAA totaled my vehicle 7 days before the adjuster had the opportunity to evaluate the vehicle. They gave COPART authorization to remove my valuables from my vehicle without my consent resulting to dashcam and all-weather mats missing. They refuse to pay for the full amount because $250 is the only coverage according to the rep. If you have upgrades in your vehicle, it must be within 1 year before the accident and receipt must be provided to claim it. If I could give them a -1-star rating, I would.

USAA low-balls quality repair shops hourly rates, parts and paint when covering repairs of your vehicle after an accident in order to make billions of dollars a year. In my case it was one of USAA customers accidently backed into my car. Good luck chasing after them to put your car back to manufacture’s specifications unless you pony up for the difference they refuse to pay. I nicely requested for a review and only received the delay, delay, go away response. Most bothersome is USAA telling me to go to a shop of my choice and then not paying the total bill. Their response follow-up is “There are cheaper shops in your area you could have gone to”. Who wants to have their car repaired at a low-end repair shop? In return, I have filed a complaint with VT Dept. of Financial Regulation.

The roadside assistance program from my USAA auto policy is unacceptable and was a horrible experience. I used the USAA app to request a tow. The request was accepted at 1:03 pm April 17, 2026, and the driver arrived at 4:50 pm. The USAA app kept changing the expected arrival time, and the tow company said to ignore it, because it was inaccurate. When the driver arrived, he said he only received the request an hour and a half earlier, two hours after the request was accepted. USAA roadside assistance is run by a private contractor and is a joke. Avoid it if you can. USAA needs to find a new contractor and fix the app with useless arrival times.

I am beyond disappointed with USAA and how they handled our claim after a collision on 2/16. The police officer at the scene determined we were not at fault, and no ticket was issued. This was the first at-fault-related claim (determined by USAA) in our entire driving history, and we’re in our 40s with otherwise clean records. We filed our claim immediately. My husband gave his statement right away, and after that, communication from USAA essentially stopped.

"USAA’s customer service is pathetic. I’ve never felt so sidelined or treated like a burden. Your insurance rep’s incompetence caused me to miss work and wasted days of my time. After being a long-term member, I am done with this treatment and will ensure Soldiers are briefed”.

USAA is a company full of corruption and deceit. They use comps from CCCone that are fraudulent. Most with have accidents, frame damage and poor condition. They will claim they do not care and tell you to pound sand, offer you thousands of dollars less than you are owed for ACV and will ignore you when you request and appraisal clause. I hope the US Congress and States shut this scam artist con job of and insurance company down. These people need to be put in jail for life.

I was with USAA car insurance for a number of years. Everything was fine until I had a car accident. I had minimum damage done to the left front quarter panel of my Jetta that was in showroom condition. They said they totaled out my car and then gave me three estimates of the value of my car that wasn't even in my area. They gave me the three cheapest estimates they could find. They then told me I could turn in mechanic receipts on the work that I've done to my car while I owned it. After doing all of that they denied the claims. The value of my car barely covered right at the loan value. I lost thousands of dollars on my car. What really did it for me was that I found out they sent my card to their tow yard in Alabama had it fixed send it to auction and now it's driving in Mississippi. USAA does not take care of their customer I lost money on the deal they made money on my accident. I will never trust USAA car insurance again. One of the other things that they do to get their estimate of car damages is they look up the parts prices and give you the highest parts prices there is that adds to the amount of the car being totaled. If they were to give you real world prices for the parts to fix the car it probably would never come close to the amount of the car value. They do whatever they can to make sure the price and the parts prices go over their lowest value of the car. That way you can be totaled sent to their parking storage area fixed and auctioned off....

I recently had to renew my driver's license and there was an issue with my insurance coverage. I need to talk to a USAA agent but found it impossible to get a call through. At the license bureau, I tried for 40 minutes and finally gave up and paired the state an additional $202.00. I am going to look for new insurance on my car, house and rental. I have been a customer for over 60 years, and the recent service decline is horrific. Harvard Business School must be running the place.

We have been long term members of USAA Insurance (30+ years) and they were always great with prompt claim responses until the past couple of years. I don’t know what has happened to them but they are horrible. I have a current auto claim in need of repair. After several frustrating days of calls I finally got the claim acknowledged and covered. I also had a previous repair from years ago that started to deteriorate. I called several years ago to report the defect and USAA said they would contact me in a couple of days and get the shop to make the repair good. USAA never called me back…and since I don’t drive the vehicle much I unfortunately forgot about it.

I have been a long time, faithful member of USAA for more than 30 years. The experience over the past couple of years has excruciatingly bad, to the point where I (and other family members) will move moving our banking and insurance to other companies. The latest experience was around a bank deposit I made. The cause of the problem was that I deposited two checks, both for the same amount from the same issuer, but with different check numbers. I was passed on from one person to another, having to repeat the situation over each time. Notes were being taken, but the USAA representatives did not bother to read what had transpired in previous discussion, having me waste my time and explain over and over again. No one had an answer.

Definitely not the respected financial institution they once were. Rates aren't competitive. Car insurance with USAA is overpriced and not worth the value. Customer service is a joke. Clearly sales is a priority over service. The almighty dollar is the only thing that matters. Training of call center agents should be a combination of both empathy and active listening. Claims/fraud disputes don't waste your time. Tenure and loyalty means nothing. Take your business to a big bank which has a local branch who will treat with respect you and not look at you as a number. For USAA to be a bank catered to the military, they don't give a darn about the human being or the economy they live in.

Our car was hit by a USAA client. All was fixed well after several back and forth issues. The really big issue is the Carfax and diminished value they assessed at $161. This is a total joke and insulting.

Worst experience ever on an accident claim. My son had a fender bender, he & a truck changed lanes into each other in bumper-to-bumper traffic- all damage is at passenger side front tire. The tire is not even popped. As soon as I filed the claim, they were already treating it as a total loss. They picked up the car to get an estimate is what I was told. They towed it to a salvage/auction place to do the estimate?! The estimate is a joke $7200 and many items the car doesn’t need Or they have the wrong size of a part.

I've been a USAA insurance customer for many years. While I haven't had many claims at all, I recently had a relatively substantial claim after an auto accident. My adjuster, Weston, kept me apprised of the claim review progress, and facilitated a seamless resolution. This helped create a low-stress situation, which could have been so messy and disruptive. USAA had a standing partnership with a competent and reputable local collision center, which made the claim resolution even more smooth. I'm grateful for USAA and appreciate the speed and transparency with which they operate.

They make it so you cannot cancel your acct...LOL. They act like they do not know what's going on and they give you the run around,, they also keep giving you a different person to talk to over and over again. The security is a joke... All I wanted to do is cancel my auto insurance...

The customer service is horrible. My claim agent rude doesn't know how to listen. Has no respect for me as a customer. They make you feel like you're a criminal. You could request for management, but you won't get a phone call back. It takes forever to get ahold of your agent. They tell you they're doing stuff when they're not highly do not recommend them. Now I understand why they have horrible reviews in lawsuits. Most insurance companies are portable and and dude, fraud, they just find any waste to rip you off and take your money. And then when you need them, they're not there for you USAA insurance is on the top of that list

After 39 years with USAA Auto Insurance. With only a cracked windshield repair in all that time. I was going to be traveling for 10 months overseas and paid the full ten months ahead of time. Today I received a bill, 3 months into my paid-up premiums. I had to come back to the state for personal reason, with all the stress I have been experiencing having bills paid up was one less stress or detail to have to track. I am now cancelling my USAA insurance as I DID NOT get customer satisfaction and wish I had gone to another auto insurance years ago.

USAA’s advertising talks about service and integrity, but my experience did not match that message at all. The claim process involved unnecessary delays, poor communication, and a strong resistance to paying what was ultimately owed. Even after it became clear that payment should be made, progress only happened after repeated follow-ups. Homeowners should be aware that getting fair treatment may require persistence, documentation, and escalation. Do not assume things will be handled promptly or proactively. I expected better from a company that markets itself the way USAA does.

I would prefer to give them ZERO stars, but one is the lowest I can give. I was in an accident in the beginning of December 2025. I put in a claim through my USAA insurance that same night and they have been nothing but a hassle. Getting ahold of my assigned claims adjusters is near impossible. I've called multiple times with no answer. When I leave voicemails, they're not returned. And if by the off chance I do get a return call, it's not in a timely manner. One of the adjusters told me, "I have a heavy case load, so I have a lot to do."

Be careful who you have insurance with!!! My son's car was hit while parked in a garage. He was in his first concert at OU, so he wasn’t around the car. He came out and noticed his car had been hit. He called the police, and got video coverage of the accident. A police report was filed. We filed a claim with the hit and run vehicle insurance holder, and after nearly 3 months of chasing these people, we still do not have a resolution. They won't even return phone calls. So, if you have USAA insurance, you’re likely not going to be taken care of when you’re in need. I’m beginning to wonder what is the use if they don’t pay out the claims.

I've been with USAA for years, I am a veteran of the United States Air Force, and I thought I was getting a great insurance price. Never had an accident that was my fault, and they still charge me $1380 a year for liability only with no uninsured motorist protection. I also applied for their credit card and they gave it to me with the $20,000 limit, I guess USAA is thinking future wise. I'm gonna need this credit card to charge my insurance premium. I sent Allstate a request for a quote and they came back with $750 a year for the same insurance. I have a new insurance company now. USAA are nothing but disguised military helping crooks!

USAA is not what they used to be. They are crooks and will do anything not to pay your claim. An accident that I was found not at fault, yet my vehicle is not paid off and I'm still paying insurance on a total loss. Crooks, thieves, liars, and very cruel.

Based on all the poor reviews, I see it's not just me! I have been a USAA member for almost 28 years. For many years, all my financial and insurance products were with USAA. NO ONE could beat them on service or pricing. Over the last few years, I've seen steady decline in service and competitive pricing. My son had an at fault accident--literally the 1st at fault claim they paid on my policy. I then received a renewal with a payment of $1000/month!!?? That's damn near self insurance paying $12K a year for insurance with a deductible. I then moved my insurance to another carrier with a better rate. I then moved my homeowners because they were over $1100 higher--mind you USAA only paid one claim to replace my roof 10 years ago due to a storm. So the final straw is banking--they do not have local branches outside of Texas. I had approximately $1400 in cash. So I purchased money orders and used the mobile deposit function.

I've been with USAA for 26 years, and I'm terminating the auto insurance. I've shopped and compared other companies for months. USAA is up to 50% more expensive than similar coverage from different companies. USAA burned me over a year ago when they denied my hail claim, saying the vehicle wasn't fixed correctly the last time. I've paid in over $90,000.00 in premiums over the years and have not had a citation in over 30 years. The corporate structure of USAA changed about five years ago, and it is no longer customer-centric. Check out USAA's horrible Better Business Bureau reviews.

I will never use anyone but USAA, I have other insurance companies. None compare to this company. THEY ARE THE BEST!!! Had a total loss, they settle it. After 1 month claim finished and we are in our new vehicle. Very clear and honest about everything.

Very dissatisfied with USSA - I've been a member for 37 years. They have my 6 cars, my RV (through them but insured by Progressive), my house, my rental. I pay them thousands every year. But some idiot in "leadership" at USAA mandated that all payments have to be through an automated source - bank account or credit card. I didn't pay attention to their "demand" and shouldn't have to. My payments are through NFCU and as such, are automated. I've never missed a payment but all of a sudden, I started getting a $3 service charge. When one payment went "late" because the $3 service charged caused my payment not to be fully paid. They gigged me for a late fee on top of the $3. I finally realized what was going on and called. At this point they had been charging me $3 a month for 6 months... and would only refund 2 months worth and would not waive the "late" fee. What a bunch of crooks.

My family and I have been USAA members because we believed this company stood for fairness, integrity, and service to its members. Unfortunately, our recent experience has completely shaken that trust. After my wife was involved in an accident, our claim went to arbitration. We were never contacted for clarification, never given the opportunity to provide additional context or evidence, and were later informed that we were found 100% at fault — with no meaningful explanation. When I reached out for details, I was repeatedly told, “the decision is legally binding,” without anyone addressing the lack of communication or transparency throughout the process.

Poor Claim Handling and Communication. My experience with USAA has been terrible. I filed an auto claim (#**) in July 2025 after my Chrysler Pacifica was damaged, but USAA refused to reimburse me for $332.36 in dealership repairs and $198.76 in rental costs that were clearly accident-related. The repair shop confirmed the issues were from the collision, yet USAA changed its story and denied payment. Communication was slow, adjusters kept changing, and no one took responsibility. I also filed a diminished-value claim that was ignored. After months of emails, calls, and proof, I still haven’t been treated fairly. USAA completely failed me—I don’t recommend this company to anyone.