USAA Car Insurance Reviews

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.

They would not honor the driver course certificate discount saying it goes by the policy renewal date not the date on the certificate. We're veterans who have been customers for decades. They do not care for veterans.

USAA went to crap after being with them for almost 20 years. They charged us 3x what competition was charging for home owners yes about 2k extra for less coverage. Then the claims process on a vehicle I got scammed and caught them. The comps they used for other cars were scrap vehicles. Yes I proved that. They comped a recent sale that was towed away not running and another with significant damage. Compared to mine that was in great shape. They are disgusting and I moved all my auto and homeowners and saved money doing it. Still waiting 2 years on a claim they did not do all the adjustment work on and they blame me for not calling more often to complain l.

I have been a customer with USAA for over 37 years, and they hired a third party to deal with towing my car by the name of Agero. Agero hired a tow company by the name of Emerald Valley Towing who came to tow my vehicle and damaged my vehicle costing me over $1500 in repairs! I sent Agero pictures and even asked the towing company for some help, only to be met with a defensive and verbally abusive owner at Emeral Valley Towing who said that he would NOT show the dashcam video that he had which would have proven how they loaded my vehicle to be towed to my mechanic.

Don't believe the phony service hype by USAA. I have had their auto insurance on 2 new cars in CA for over 10 years, never had a claim and pay nearly $4k yearly. An idiot in my parking garage hit my car while I was going 3mph. USAA claims was a total nightmare. The so called adjuster was finally fired by USAA but his manager in AZ wasn't much better. They never return phone calls ever. The online claims message system is a joke. Not to mention the endless phone tree's and authentication process.

I was in a accident with a USAA customer about a month ago, she backed into my car (a red mustang) and tried to push it, talked to the insurance representative Carolina **. The first couple days everything was going fine until I submitted pictures and caught her in a lie, spoke with her manager Jesse, he tried to cover it up after a couple weeks later, a video was sent showing I m constantly blowing the horn, but they stated I m blowing the horn constantly but she already backed out, make it makes sense, eventually found out everything was a lie, customer that was driving the vehicle, Carolina ** stated never received my photo and etc, the incident report (I work for the police the department, I would have seen it at hand), They let it slipped out after a couple of weeks back and forth nonstop.

On my birthday, a woman hit my car left a note with her name and number and not her insurance information because she was trying not to use them so she can save money on her deductible. Once I did get ahold of her, she argued with me of what part of my car she hit and then refused to tell me her insurance information, so I called the police. The police did get her insurance information from her and she was USAA.

I am a policy owner and have a open claim. Adjuster hasn't called us back and check seems to be maybe lost in mail... As a policy owner I should be able to call and speak to someone but they cannot "authenticate" me even with my policy number, social etc, etc and so I cannot even contact someone on my policy I pay for. What service! Was told I could write a letter and they will get back to me...

Absolutely horrific experience when trying to get a claim approved or even messages replied to in a timely manner. The company continually drags feet and one of the worst customer service experiences in my life. Don't do business with USAA.

Poor customer service. Call center does not do what they say they will do, on top of that I had to argue with the computer agent. Then I had to argue with her for over 30 minutes, and still was left thinking, "Is this the way to treat vets," when I left I told her I was looking for other insurances.

Settlements are fair, but the adjusters don't treat policyholders with respect, nor do they listen to policyholder statements. They put their own interpretation onto situations without looking at all the facts. Adjusters take the easy way out instead of conducting a thorough investigation. They ignore policyholder questions, and refuse to explain their process for determining fault. They don't consider state laws either, and refuse to speak to witnesses even when available. I've had three claims over the last decade, and each time I've been treated as if I were a liar and cheat.

Customer (no longer members) for about 40 years, after needing to wait until I was commissioned to get it. I maintained the highest level of coverage for the entire period as a 'just in case' something bad happened. Well, it did. USAA just settled for six figures after five and a half years of delay, denial, and slow roll. That was only after filing a lawsuit for 'breach of contract.' I was hit from behind at a red light by an underinsured driver. I received a small settlement from the driver and needed that to reimburse the Veterans Administration and my required lawyer for the associated medical care; USAA refused to pay for even acupuncture for pain management because, according to the adjuster, 'Couldn't read the doctor's notes,' or words to that effect.

All insurance is a society scam and I wouldn't pay if it was not a legal requirement. This review is not reflective of only USAA, but if somebody reads this, hopefully it will help educate you. I needed a windshield replacement for a 4Runner. A valid expectation is that a vehicle should be restored to the same condition in which it was prior to incident, and that it should be 100% covered, considering the fact that I pay for full coverage. However, that is not the case. Restoring my windshield to its original state requires OEM glass, OEM moldings and a re-calibration of the sensors.

I have been a USAA customer on and off for 19 years. Wayne Peacock is out of touch with his clients and employees. USAA opted for some hokey crummy low budget digital verification service which makes it impossible to communicate with USAA. God forbid you need them. Multifactor identification is a great buzz word but I guess you don't know your veteran customers very well. Face ID and biometrics is also STUPID because I suspect USAA doesn't protect this data internally and will not tell us when they are hacked. Claims Department is unavailable nights, weekends, mornings, afternoons and they play this four minute essay on their service plans and how to call the manager who is not responsive. Going back to AAA. There was no cost savings.

Easily the worst customer service of any company with whom I've ever done business. They require a PIN for login as well as an online ID, neither of which have ever worked for me. Every time I've tried to contact them for anything I've had to reset my password, online ID, and/or PIN number. It literally takes hours of frustration to get anything accomplished.

USAA was good when they were a credit union with MEMBERS. Now they are a bank with SUBJECTS and you really feel the difference. It seems they just want to extract everything they can from subjects while giving nothing back. If you do have an issue (as when my vehicle, with DV plates, in a Disabled Space, with me barely able to hobble, was vandalized while parked - ostensibly a hate crime under federal law), USAA not only did nothing to help - they bent over backwards to make things worse. So rather than have someone in your corner in your hour of need, you have someone actively working against you. Disappointing.

After not quite 60 years with USAA, they cancelled me. Got out of the hospital and combing thru a full 5 gallon bucket of mail found a batch of cancellation notices. They didn't call me!! (Many days I couldn't answer tho.) I guess us old elderly members aren't important to their decisions in the new USAA corporate expanse. I should have paid more attention to their legal problems and $ consequences the last few years. I guess corporate profits and expansion have become their goals rather than service to us. It's a shame!! What a genuine disappointment for those of us that pointed fellow service members to USAA. ---> WON'T BE DOING THAT ANYMORE <---

My husband and I have been loyal USAA members for over 20 years as of 2025. We have become completely dissatisfied with everything from their banking to their insurance within the past few years. We have canceled our auto and homeowners policies through them as they are OVER twice as expensive as other reputable companies. They claim to offer better coverage and payouts yet the one time in 20 years in which we recently tried to file a claim it was denied. By switching companies to State Farm, we are saving over $400 per month in home and auto insurance. I wish we would have switched years ago and not wasted our money.

When I signed up online for new auto o coverage based on USAA quote, with him seconds they charged my credit card. When they sent me document for insurance, they had omitted one of the vehicles from the coverage., I immediately called to explain and was given new quote to include second vehicle and the new quote was excessive over State Farm, therefore I requested immediate cancellation and a refund to my credit card. I was told they could not credit my card, but rather, send me a check in the mail. Imagine that. 15 seconds to take my money but no ability (or willingness) to credit my payment back to my account!

Every claim I've filed they worked very hard to deny. Contractors have sent photos of damage and they disregard. Even when one of their customers were at fault in a vehicle accident, they did not want to compensate me for the book value of the car.

I have been a loyal USAA customer for over 11 years. Back then, the service was outstanding — I could call and speak with a real person who understood what it meant to serve Veterans and their families. They were helpful, responsive, and truly seemed to have our backs. Unfortunately, that has changed. Over the past couple of years, USAA has stopped being the company I trusted. Trying to get someone on the phone now is a frustrating maze of automated menus. When you finally do reach someone, the support feels rushed and impersonal.

The value that they assigned to my car, which their customer totalled, was reasonable, and then they deducted almost $2000 from that for "mileage" (my car had a totally normal amount of mileage for its age) and "existing damage". They refuse to negotiate or show any documentation that shows how they decided on those deductions, just saying "it's not an exact science".

I have been a USAA member for 50 years. This once great company has gone from 5 stars to 1 star, and that 1 star is being generous. Run away from this company as fast as you can. Good luck getting to talk to a human. My auto insurance claim experience was dreadful. My biggest complaint was with an annuity I had for 7 years. When the term ended and I requested my money they dragged their feet for 6 weeks at a time when I desperately needed the money. This was despite numerous phone calls and false assurances on when I would receive MY MONEY. I can’t express in words how unhappy I am with USAA.

I had a USAA insured guy back into my JEEP SUV. After the police report it was determined that he was at fault. He gave me a copy of his USAA insurance ID. I was told by my insurance company (Farmers) to get an estimate. I went to my Jeep dealer and asked them for two references who do body works on Jeeps. I went to one of businesses and got an estimate but they told me that they no longer do not do business with USAA. How can I get my SUV fixed if the body service company refuses the USAA.

I have been a member of USAA for 27 years, but for the last 6 months, something has changed - USAA doesn't care about us veterans anymore and I am now going to close my accounts. Forgive me, but this rating is going to take a while. A few weeks ago, USAA called me (came up as USAA on phone) to ask me if I had zelle'd $5000 to someone in Chicago. I said no, of course not. The USAA rep then said that the same person had hacked into my account and disputed all of my outgoing payments for bills, including my mortgage, credit card and utility bills. The USAA rep listed all of the amounts that were in dispute and then listed all of my accounts with the current balances.

DISABLED VETERANS BEWARE!!!! I became a USAA member when I joined the Marine Corps over 20 years ago. During that time I have never had a claim and have bundled multiple policies through them. Recently, I filed a claim and was told that they were not going to cover it. They left a message informing me of this decision and asked me to call them to discuss it further. I have tried to reach out to my claims agent by phone and through direct messaging, however he will not return any of my messages. I am not upset about them not covering my claim, I am upset in how they are treating a loyal customer of 20 years. They have been taking my money for over 20 years and do not have the courtesy to return my messages.

A deer hit the front of my car and practically annihilated it. 2/13/2025 with myself and my special needs child in the car. The whole process with USAA has been like pulling teeth. It is three months later and myself nor the autobody shop is able to receive correspondence from USAA to finish the job (my car is literally ready to go despite one obstacle that only requires correspondence with USAA & the body shop). No One Returns our calls and we get transferred around. Just this week alone is a small part of how insane the last three months have been all while trying to get my vehicle back as it accommodates my child's support needs.

After 18 years of being a loyal USAA customer, we find ourselves grappling with a frustrating experience that has left us questioning whether it’s time to part ways. Throughout our relationship, USAA has been a dependable ally, standing by us during tough times. We’ve always appreciated that support—until now. Recently, my husband received a notification indicating that our car insurance payment was due on a specific date. Naturally, he made my payment right on time, only to discover that our policy was canceled regardless. It seems that even when we follow the instructions provided by the app, we can still end up in a bind. To add insult to injury, he was informed that we could not simply reinstate our policy but would instead need to start a new one—with a hefty down payment that feels more like a ransom than a routine process.

Absolutely Horrible Claims Experience — USAA Has Lost My Trust. I’ve never been more disappointed with a company than I am with USAA’s insurance claims department. What I experienced was nothing short of deplorable customer service from start to finish. Despite repeated follow-ups, my calls were ignored or not returned, and I was constantly given the runaround. I was told multiple times that “the check was in the mail,” only to find out days later that this wasn’t true. These weren’t simple delays or misunderstandings — these were blatant lies. It's unacceptable from any company, but especially one that claims to serve military families with integrity.

I'm not surprised that the reviews for the last few months are reflecting disapproval and disappointment for USAA. I too am angered by their recent changes in their services. They have almost tripled my auto insurance payments! It seems that they are making the service members, veterans and their family members pay for any financial losses that the company may have undergone. I live in Florida so everything is going up, but this is ridiculous!

After 5 years with them they doubled our bill. No warning nothing!!! They claim my husband doesn’t Qualify for a military discount. He served 14 years, fought in the war for 2 years where half of his unit was lost, and has been in law enforcement for 34 years. Very upset with this company. They have done nothing to help with this.