USAA Auto Insurance

USAA Auto Insurance Reviews

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Overall Rating3.4 out of 5
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About USAA Auto Insurance Reviews

USAA is a leading provider of financial services to the U.S. military and their families. The company offers a wide range of products and services, including banking, insurance, investments and retirement planning. USAA is committed to providing its members with the best possible financial experience, as is shown by its low fees and competitive interest rates.

Pros & Cons


  • Several discounts
  • Charitable company
  • Competitive rates


  • 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.

Featured Reviews

Saint Robert, MO

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...

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Indianapolis, IN

USAA 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...

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What 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?
USAA membership is available to active, retired or separated veterans who were honorably discharged. Servicemembers’ spouses, widows, widowers, unremarried former spouses, children and stepchildren are also eligible.
How much is USAA auto insurance?
On average, USAA policyholders pay between $600 and $1,500 annually for their car insurance premiums. When calculating your premium, USAA factors in your age, driving history, vehicle details and more.
Does USAA use your credit score for car insurance?
No, USAA does not see or consider your credit score during the application process. Instead, the company looks at your insurance score, which is calculated based on your credit report.
Where is USAA available?
USAA is available nationwide. It has international insurance options for military members and their families stationed overseas.

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

ConsumerAffairs has collected 2,129 reviews and 4,041 ratings.

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Page 1 Reviews 0 - 10
Claims Handling

Reviewed Sept. 28, 2023

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!

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Customer ServiceCoveragePriceStaff

Reviewed Sept. 27, 2023

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.

They assured me they would get back to me in a couple of weeks, but I never heard from them again. Frustrated, I took the step of filing a complaint against them with the Texas Department of Insurance and the Office of the Attorney General. However, I received no assistance beyond the insurance company responding to me and denying my dispute without providing any tangible reasoning. This was after three months of back-and-forth since my car accident, with no access to a replacement vehicle or rental car.

Now, it has been five months, and they are attempting to push the responsibility onto my own insurance. These actions indicate that these individuals are playing games with people's lives, and there seems to be no one holding them accountable. It is disheartening to realize that we live in a country that is supposed to protect average citizens from being taken advantage of by large companies like USAA, but this has proven to be far from the truth. I have lost trust in the entire system, and I am determined to stop paying insurance premiums to these corporate entities that seem only interested in taking our hard-earned money every day, without delivering the support they promise.

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    Customer ServiceStaff

    Reviewed Sept. 26, 2023

    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.

    Follow-up to original post (above): USAA tried ONE time to contact me. ONCE today 9/26. CHERYL ext: **. I called back and listen to ten rings and got an answering machine. I left a message in regards to the missed call. She never called back. Then USAA claimed they have been trying to contact me from 9/16-9/25 with no contact. I saw this shift of blame and tried to call CHERYL ext: **, again, twice. I got sent straight to the answering machine after one ring, both times. I left another message. If you have a choice, avoid this company.

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    Claims HandlingPriceStaff

    Reviewed Sept. 26, 2023

    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.

    I make this assertion using common experience. I’ve been driving rideshare in my touristy town for over 8 years (12,000 plus trips) and given the time (11:30pm) and location (Downtown Nashville) no one with insurance and a valid driver’s license would leave the scene of an accident unless they were intoxicated. USAA likes to play games with the lives of victims by causing them undue stress, financial burden, and humiliation. I’m one of those victims in real time being victimized by this greedy and unprofessional insurance company. I do not recommend these greedy hucksters to anyone that wants and expects fairness and professionalism as part of their daily or business needs.

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    Customer ServiceClaims HandlingStaff

    Reviewed Sept. 26, 2023

    Always hire a lawyer when dealing with USAA. Here are the tactics USAA uses to avoid paying your car claim.
    1. Ignore your phone calls and delay for months to wear you down.
    2. Make you manage their claim department to get things done.
    3. Each new person shows surprise that no one has called you back and promises to take care of it.
    4. Tell you that your 2022 claim was on an old system and only a few people can access that system.

    5. Play a game that the market value of a wrecked car is within $500 dollars of an unwrecked car.

    Go somewhere else.

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    Customer Service

    Reviewed Sept. 23, 2023

    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.

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    Customer ServiceClaims HandlingCoverage

    Reviewed Sept. 19, 2023

    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.

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    Customer ServiceClaims HandlingCoverage

    Reviewed Sept. 18, 2023

    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.

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    Customer ServiceClaims Handling

    Reviewed Sept. 17, 2023

    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.

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    Reviewed Sept. 12, 2023

    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.

    On my move I experienced a blowout on my truck which was fully loaded with household goods pulling a trailer and had 3 car seats in the backseat with 3 sleeping little ones, this happened at 12:30am, I called roadside assistance, it took almost 2 hours to get a rude young man that didn’t even have the proper tools and wanted me to unload my children on the side of the road and unpack the stuff as well so he could use MY tools, I told him if he didn’t have the tools he needed to leave. He either took my hubcap or threw it in the ditch, I called roadside assistance again, told them what happened.

    They said they’d try and find someone else, I got a call back from them an hour later wanting to know if they could wait till morning so they could find someone, I explained to them I’d already been sitting on the side of the road for 4 hours with 4 sleeping children in the car. Asked to speak to supervisor, supervisor said she’d get someone out as soon as she could. An hour later an old man showed up and again didn’t have the proper tools, but at least he had the tools and knowledge to get the tire changed and told me where I could find replacement tires.

    In May 2023, my wife wrecked her minivan, I had to continually call to find out the status of the claim. I was always told they’d check and call me back, they never did. After I finally had enough I asked for supervisor, who was out of town. I finally got hold of a woman that found the van, emailed me the paperwork work releasing the van for salvage as they claimed it was a write off. This finally happened in July, yes it took me 3 months to get a claim settled and I had to do all the leg work.

    I was recently scammed by a woman I thought I could trust and ended up $2700 in the hole, my social security check didn’t cover the loss, and I finally settled it on the first. But it left me short for bills, my AMEX card which is a secured credit card, has a past due amount of $15, in the time I’ve been with USAA I’ve never missed a payment. I got 2 letters in the mail demanding payment. I called and was told they were trying to collect a debt, I told the woman to close the account take the $15 and put the rest in my checking account, to which I was told I couldn’t close the account until it was paid up. When I do pay the $15 I will close both cards, I will open an account elsewhere and move my direct deposit to new bank. And then will cut my ties with USAA for good.

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    USAA Auto Insurance Company Information

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