USAA Car Insurance Reviews

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.

USAA is TRASH, mainly the claims department, they are horrible and don't want to pay what's due. They would rather you forfeit and give up the claim, that's their tactic. They would rather pay an investigator and an attorney and go to court then to pay you what you deserve... That's sad... And even more sad that they are associated or affiliated with the military, disgusting TRASH BASURA

USAA denied a claim as one of it's members backed into my daughter's vehicle in Savannah, Ga in September. Thankfully no one was hurt, but there was minor damage to the bumper of my daughter's car. They denied the claim because they could not get in touch with the insured, as we had clear pictures and audio evidence. Communication is horrible and seeing all the negative reviews explains it all. Not a professional company at all.

DISGUSTING to use military as their cover...to get personal info out of people....they clearly KNOW who qualifies and don't qualify for auto insurance before you even speak...YET they collect ALL your personal info before you can even be qualified??? This is just a marketing referral program by gathering all your INFO to sell off to others....DISGUSTING company who exploit the military and their families!!!

When is your company going to pay off the claims owed to me. According to law you USAA is still liable. Also are you still pushing the internal USAA memo to delay, deny and defend. I want to know why my $900 claim for vehicle damages from 2024 on my Toyota has not been paid since I repaired the vehicle myself. Now that vehicle is insured by another company and USAA is losing more money versus denying the $900. Do the math buddy, you just lost a loyal customer.

While attending Army Special Forces reunion at Ft Campbell, KY... vandalism, smash and grab in hotel parking lot resulting in $1800 damage to F250 King Ranch. USAA cannot justify nor explain settlement. Why did they not allow Ford to replace damaged seat covers? 2 windows were broken..., Why is one window estimated at $300 and the other only at $98? Why was there no payment for removal of glass (detail) of vehicle? Why was I redirected (steering) from local Ford dealership to a local upholstery shop? **, total repairs.....$1897 with a $500 deductible but...., I advised USAA that I did not agree with their settlement, but they sent ETF to my account $519 anyway. I have been with USAA for over 30 years. If you are looking for auto insurance you may wish to look elsewhere.

They spend all this money on commercials with some woman bragging how though she never served, her grandmother’s roommates' uncle did and passed membership to her like hero herpes. Then when an actual vet who served 30 years calls to get homeowners' insurance, they say, “Oh you just bought an expensive house in California? Pound sand, not up in here!” DENIED!!! I’m with you Gronk, just another USAA wannabe, I guess.

Dropped USAA Insurance after 30 years of being a member. Terrible communication, local repair shops no longer accept USAA due to same issues. At least they have Super Bowl adds and will let in new members whose grandfathers served (even though they have not and probably spent time in jail).

I called USAA and talked to a rep. to compare Home and Car insurance. Took about an hour and the rates were similar to my current one. A few weeks later I received a letter stating I did not get the best rate due to a company they hired to assess me. I called USAA and all they could tell me was it was not due to my excellent credit score. I would have to call or write to that company to get details which I did and my letter come back undeliverable. I can't believe USAA cannot tell me why. This is what I get for 7 years of military service.

MY FATHER IS 90 YEARS OLD AND DOESN'T DRIVE ANYMORE. We just sold his truck. We called to cancel the policy and he gave them the account code. They said they still had to verify on his last known email. HE DOESN'T HAVE AN EMAIL ANYMORE. THEY ARE REFUSING TO CANCEL THE POLICY.

This would be a negative 5 if possible! First, USAA is not a member of the BETTER BUSINESS BUREAU!! Can you say RED FLAG? 🚩 Second, I’ve been with USAA for decades. Never had too many issues but just very recently I contested a company charge that was over $200. I followed every protocol and submitted all documentation.