USAA Car Insurance Reviews

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.

I am beyond frustrated with USAA and feel compelled to share my experience publicly so others are aware of what’s happening. Last November, I was involved in two accidents in about a week. I promptly reported both incidents to USAA and provided photos as requested. USAA told me they couldn’t determine which accident caused the most damage and instructed me to take my vehicle to a repair shop for further assessment. The repair shop reviewed the photos and my car and confirmed that the majority of the damage was from the second accident, which carried a lower deductible. Based on this, I paid the required deductible and expected USAA to handle the rest.

First time having to call USAA about an auto claim. I was at a complete stop when a car hit me on my driver side door while attempted to cut into my lane. Instead of going after the other party, USAA Frankfurt's Markus fabricated the claims report and stated I was the one changing lanes. No proof, not even logical when looking at the damage and locations. Two witness statements pointing to the other party is at fault but USAA ignored them. Blatant misfeasance and knowingly and willfully file a false claim.

After having to open claim and was treated poorly and disrespected with every all nomayyer who I talked to. Brandon some investigator makes you feel like you're a criminal when we're the victim. I was declined claim after leaving negative review. If you have to use them for anything beware. You definitely didn't get what you pay for. Here is your with thousands of dollars worth of ruined items and get declined claim because they say we lied how does that happen. Look at the damn pics they got id all my ruined stuff the documented letters I sent to ma dlors to fix shed and they wouldn't now all my items are water clogged And garbage but I have to pay our over $400 month to them to turn me dken why can't I get my money back? Then they did do their job. Don't ever go thru USAA if you have to open claim and use them.

Horrible people taking advantage of veterans and their families. The veteran gimmick is just a marketing ploy. I had an accident that was not my fault, as verified by the police report. The USAA claims rep told me that USAA might still deem it my fault as a "business decision". What? I had to get a lawyer involved and finally they accepted the police report. You want to know what their top management makes? Check this out: ** These guys are crooks. I can't even get them to cancel my membership. Never again will I do business with these people.

My recent experience with USAA has been profoundly disappointing and unacceptable, permanently altering my opinion of the company and discouraging me from ever becoming their customer. For context, I am the son of a veteran who had been a loyal USAA customer for many years before his passing. My negative experience began in December 2024, when a driver fell asleep at the wheel and drove through both my yard and my neighbor's property, causing thousands of dollars in damages. Because the driver responsible was insured by USAA, I promptly reached out to file a claim for reimbursement of the damages incurred.

Their refusal to pay for their insured accident which was 100% their admitted fault. A parked car not running can't be at fault but a vehicle traveling at higher than speed limit recklessly is. Their refusal to take responsibility shows they are scammers

I have been a member of USAA for over 18 years without a claim. My vehicle was vandalized in the second half of 2024 at a trail head I walk my dogs at. The first representative I spoke to told me to put down the date of loss as the last day of the month which I remember last (1/31). After considerable time, an investigation specialist called and said they needed a second recorded statement from me. For a comprehensive claim for WHICH I PAY FOR. Both of these men that handled my claim (Brandon ** and Kenneth **) were rude to me from the beginning. As a ** male, I felt seriously discriminated against in the way I was spoken to and treated like some criminal.

USAA to be a "value" based auto insurance company. A couple of years ago (2021) they bought NOBLR, pay as you drive company, that based premiums on the monthly mileage AND your safe driving habits, that used s Cell Phone App to track criteria such as use of phone when driving, stopping... As a retired person, no accidents or tickets in 40 yrs and driving about 3,000 miles per year, it was a good program. Customer service and coverage were about same as USAA. USAA just dropped NOBLR, because NOBLR was too "efficient", i.e., cost-effective, as they did not have the "bloated" overhead of USAA.

Been a member since 2011, another USAA member wrecked my car, they fought to pay for my rental, now it's been 2 years since the accident, no reimbursement sent, USAA adjuster is ignoring my attorney after agreeing to a injury settlement, it's not for Veterans for sure.

In fall of 2023, I was in an accident and filed a claim the day it happened. Since my family uses USAA, which is known for their excellent customer service, I was expecting a smooth process. I was wrong. My adjustor was out sick allegedly off and on for weeks. This made it very hard to get my process going and to hear back about updates. Frequently I was left out of the know, important details were not relayed to me and when I called asking why that was my adjustor blatantly lied to me saying she already tried calling me and I didn't answer. I immediately felt back and went to my missed calls, voicemail, and even in the trash to see if I had missed it. I had not missed that call and have received calls in the past. When I told her this, she kept insisting it was my fault, and I didn't call her back. It got so frustrating, and my mom felt they were trying to lie to me because of how young l was. She had to call and argue with the adjustor over this issue.

Another low quality USAA customer service agent answered the call again today. And every day. Called for a simple explanation for a rate increase. Instead I got conflicting sales statements (construe as lies), repeated mantras, attitude, delays, and nothing of help. Left me wanting to remove all my business from USAA (even if I have to pay more elsewhere).

I'm deeply disappointed with USAA's current service. My son was recently involved in an accident, and I've encountered significant obstacles in filing a claim. Two days ago, I attempted to initiate the process but inadvertently entered an incorrect email address, preventing me from accessing my account. I've taken multiple steps to rectify this, including submitting my official identification for verification and contacting customer service four or five times. I've emphasized the urgency of my situation, but the only response I've received is, "I'm sorry, this is just how it is." I also requested to speak with a manager, but that request was denied. This lack of flexibility and responsiveness during a stressful time is unacceptable. I'm actively exploring alternative banking and insurance providers and intend to move my business away from USAA.

USAA Insurance is supposed to be for family members like my father and my grandfather but if they have never signed up with USAA you can't get insurance. That is not what their commercial say. Liars liar.

USAA overcharged me on auto insurance policy back in JAN. 2024. USAA requested information; USAA received the information need. Yet USAA did nothing. Made no attempts to call me back or fix the problem. USAA sat on the issue "FOR A WHOLE YEAR". Even after several more attempts calls made to customer service.

This is the second time roadside assistance, and still horrible, first shame on you, second shame on me, they say. Don't worry I shopped around for better insurance. 6 hours the first time, 9 hours the second time, and a second time tow truck never came so I drag a broke down truck myself from a base to a shop. The claim towtruck came no one was with a truck, when I made clear I was not, the person call one time, and left, who calls one time know that person needs the truck to the garage that the reason why they are called for, so they left, remind all of this start 10 in morning to finish 7 at night to tell me the driver was at gate to get to me in middle of that, the time was extended 15 to 20 minute, a complete disaster. USAA show no care, no follow-up on their third party and his they take care their customer, leave them struggling, no wonder, we look somewhere else.

My experience with USAA has been nothing short of a nightmare. After being involved in an accident on September 4, 2024, where a USAA-insured driver was found at fault, I expected a professional and timely resolution of my claim. Instead, I have endured five months of delays, mismanagement, and outright negligence, leaving me with mounting financial and emotional burdens.

I switched from USAA to another insurance company that provided more coverage and was slightly less expensive. USAA is no longer the company they claim to be. This was for homeowners and auto insurance.

I submitted my claim 19 days ago and deal with some company called copart on behalf of USAA. 19 days later, everything approved and done and STILL waiting on payment so we can close a loan and get another vehicle. Adjusters don't want to talk live and only email/message and not very friendly or helpful through the process. It feels as though they just want the third party (Copart) to deal with the whole thing and to pay out the minimum they can get away with. Definitely do not recommend USAA if you want a seamless and timely resolution. They are NOT on your side.

USAA's installation fees are an assault on those who are not computer friendly. Many of your veterans are elderly now and prefer paper statements since they may not use or have internet access. These veterans may also prefer to pay their bills themselves rather than have auto payments since their control of their money allows better budgeting of limited income. Your adding $5 per month ($60 per year) may be a burden to some. I pay over $2000 a year for insurance to USAA and they want another $60 per year to send me a paper bill and have access to my banking account via "auto pay" although I have always pay my bill on time. Shame!

USAA picks and choose who they want to insure, because I was denied coverage and I am a 1990s Desert Storm veteran. Thanks for nothing USAA. Please remember if you have this insurance they can reject your coverage as a veteran.

Links provided by adjuster didn't work, causing me a week delay getting an estimate. Link didn't work to get rental car. Then after adjuster ensured me I qualified for an upgrade to a pickup truck, Enterprise said I could not. Adjuster approved upgrade again. Mechanic needed extra time, but adjuster did not provide proper paperwork to right people. I was billed $1100 for a rental. I chased after that for another week only to be told that I was not approved for the upgrade, despite emails showing that I HAD. I am still being charged $650 dollars. I have left messages with adjuster, supervisor, director, and at last, the person who hit me. It has been three months talking to USAA nearly every single business day.

I've had this company less than a year, there is a reason that they are cheaper, customer service does NOT exist. I was assessed a late fee for a day late, HOWEVER, my bill was paid almost 2 months BEFORE it was due. I checked and was told I'm covered that it would not change my due dates, why would I ask if my due dates would change if it was NOT paid well in advance, they basically called me a liar, this interaction ended the phone call immediately I immediately reached out to my former insurance agent. Every single agent and supervisor was RUDE, quick to blame me when it was paid well in advance. I will NOT pay the late fee and will be promptly dropping them all together. Please save yourself the hassle as I've been apparently driving uninsured. Remember the grass isn't always greener on the other side. 9 months all bad reviews hold TRUTH.

If I could give them less than zero I would. This is going to be long. USAA used to be a stand up company that treated its members fairly, with respect, and took care of their needs. That is definitively not the case any longer. This company has fallen from being one of the best for our veterans and active duty personnel to absolute garbage. I used to recommend this company and now I tell them to avoid USAA like the plague. I have been a member for over 26 years and now I'm getting ready to drop them in the same manner that they have treated me.

The insurance became high priced (even though in the years I was with them I had no claims or accidents). And I had everything that could be covered paid for (even though I had car issues 2 times and towing coverage they expected me to pay out of pocket for the tows and I "might" get paid back). Then I replaced them on November 23rd 2024 and they then pulled 6 months off coverage from my bank account. After spending a lot of time on the phone, they demanded a coverage proof that I had insurance and I did supply that to them directly. I received an apology for the removal of my money and was told it would be back in my account within 4 days.

I have been a member of USAA for years and dealing with my recent claim has been horrendous. The adjuster who handled my claim was an absolute nightmare. I finally got my car back and still have an issue with a part that the adjuster refused to authorize to be replaced so it falls off from time to time. However in spite of all of that, my vehicle has no diminished value according to USAA. This was a fairly small claim that should have taken half of the time to repair. I cannot express how disappointed I am on this matter. Of all the money I have spent paying for insurance what I received in return is awful. I cannot express how disappointed I am after being with USAA for over 30 years.

USAA makes shopping for, updating or changing, and obtaining some of the best prices in auto insurance a breeze. I have been a member of USAA for several years, but just recently switched to auto & home insurance. I feel comfortable with them as a company that has my best interest in mind.

On the downside it took 2 months. Everything else was handled very well for my mom who is older and couldn't really handle any of the phone calls or emails. But they were very helpful to me. And it all turned out well. Thanks.

If I could give 100 negative stars I would. This place should not be in business and I have no idea how they are allowed to be an insurance company. My daughter in law's car was hit by someone who went thru a stop sign and they’ve now been out of a car for 5 weeks and there is no resolution yet. USAA claims that it’s not their responsibility because their insured client was on company time when she went to buy breakfast at Chick-fil-A and got in the accident. They clearly don’t care about anyone being inconvenienced. So my son and his wife have lost time and money because of having to navigate with one car. You can call and leave message after message and no one returns your calls.

We are veterans. They claim to care, yet they violated their fiduciary responsibility to us and allowed us to be scammed. People made a claim against us for a near miss in an intersection. There was no accident. USAA claims agent Katie ** denied the scammers' claim. She sent me to a body shop so she could have pictures and measurements proving there was no accident. The scammers had photoshopped photos, and the claim went to arbitration. There should be no problem because the body shop evidence proved that our car was not involved in any accident, ever.

Be aware! USAA raised our premium so much it alarmed me. A few months I checked and they were 10% higher but after a 20 year history, I wouldn't change. Then the big increase came! Upon comparing, Progressive was 50% of USAA's. I don't know exactly because USAA has a $1k deductible and the new Progressive policy is $500. $940 USAA vs $500 Progressive for 6 months.

Very good at wasting your time and giving you the run around. They also do their best to take advantage of senior citizens by selling them a bunch of extras that they don't need. They also show very little concern or regard for helping you resolve any issues you try to address with them.

Absolutely the WORST experience I have ever had with a company!!!! I have been left in a rental for 55 days as of 11.12.24!!! The rental agency AND the bodyshop say they are terrible to deal with and THE ACCIDENT WASN'T MY FAULT so you'd think they'd want this finished!!!

I have been with USAA for auto, home insurance and banking for 33 years. They dropped our policies due to an autopay issue and made me open new policies that cost more. The experience with Customer Service was awful, I was passed around, disconnected and wasted hours of my life. They do not care. Never considered leaving until now. So disappointed in you USAA. I can no longer recommend you to anyone.

HIRE A LAWYER IF YOU HAVE TO DEAL WITH USAA AND AVOID CLAIMS REP ALISON **!! Oct 20, 2021, a USAA policyholder slammed into the back of my minivan while we were stopped at a bus stop on the way to school. The policyholder, 100% at fault, totaled my car injuring me and my two children, age 12 and 14. Alison ** of USAA refused to contact us until Oct 26, 6 days after the accident despite us being the victims. Over the past 3 years my children and I have had numerous medical issues from the high-speed impact itself as well as mental distress, like PTSD, from the traumatic experience. I called Ms. ** on Oct 4, 2024, and left a voicemail asking where to submit our final claims as both of my children had most likely stopped growing and their back and hip pain had mostly subsided.

I’m incredibly disappointed with USAA’s auto and home insurance services. Despite being a loyal customer who has paid thousands, my recent experiences have been beyond frustrating. Their customer service is terrible—representatives are dismissive, unhelpful, and even disrespectful. On multiple occasions, I've been misled and deceived, only to have my calls abruptly ended when I asked to speak to a supervisor. This level of service is unacceptable.

As a veteran, I feel violated by this company that is supposedly for the military community. I trusted and believed all the commercials where they steer you toward that belief. First of all, auto insurance nearly double what my husband and I (both veterans) got offered from a company that has no ties to military community. Secondly, I got a balance transfer credit card. I am fully aware that I will incur a balance transfer fee. That is standard protocol. What is NOT STANDARD PROTOCOL is the first statement I just received is 500.00 for one month. They MAKE YOU PAY the entire balance transfer fee on first bill. Normally, the fee is put into the entire amount owed. I just called and spoke to a representative and told her how unhappy we are with this company. Told her I would like to stay on the line when she hangs up so I can take the survey that was offered to me while on hold. She said, "Sure," and hung up on me. Well, now here I am.

I have had an account with USAA since 1993. In 2013 I added my daughter to the account titled “youth spending.” USAA then made her the primary on the account. 31 year account. She’s 27…. They say the only way to correct it is for me to start all over with a new account. Who would stay with a company after that kind of betrayal?

Had USAA for over 20 years and the new CEO has ruined the company, insurance was over twice the price of other companies such as Geico, Alfa and Travelers. Customer service was horrible. Had someone tell me that I would not leave them since I had been with them so long. Left them 3 years ago and have never been happier.

Horrible customer service and adjusters. You don't want to have them as your insurance company or if one of their customers is involved in accident and is at fault! Approved shops in non reputable location.

Deceptive Auto Loan bait and switch practices, I have perfect credit and qualified for the best rates from Bank of America, Wells Fargo and my credit union, but USAA said, "Oh, you don't qualify for our best rate, it will be a full 1 point higher than advertised." When asked why they had ZERO explanation. Even contacted top executive via LinkedIN, and they were clueless.

I just love how everybody thinks military members get such discounts from USAA. I'm going to tell you right now. I've got a good driving record, no tickets, no accident, so nothing, 43, single and it's still higher than any other insurance company around. But they do not do any favors whatsoever for military members. They rip us off. They just use military members to make themselves look good.

Horrible customer service here! Just today I was hung up on 7 times, they claimed not to know who I was, even after sitting previously with a rep making sure my social was attached to my husband's profile on the account. They behave rather sexist when I call, asking for his information when my name is on the account. And, try to get rental car services in rural America. They flat out won't accommodate you if you are more than 10 miles away from any Enterprise. I'm steaming mad right now and ready to cancel our policy with them. We pay for premium services but get hung up on, treated like we don't exist, or told we must ask family to shuttle us to Enterprise or the vehicle body shop. How is this customer service, especially for rural vets and their families!

We had USAA insurance for years, and while the insurance is good, it is so overpriced. We switched to Progressive for the same insurance plan and saved over $450 a month!!!! Why pay more for the exact same coverage.

USAA advertising is misleading. They state in their advertisements that if you, your parent or your grandparents have served in the military, you are eligible for USAA Insurance. My father and my spouse's father and grandfather have all served in the military. But none were members of USAA, so that lack of membership in USAA disqualifies my wife and I from obtaining USAA insurance. Didn't make a bit of difference that both of our fathers served in WWII and my wife's grandfather served in WWI! Their ads are misleading at best. They wasted 3 hours of our time this morning, helping us become members. BUT, they will only sell us Liberty Mutual Insurance for which they probably make a commission. Very misleading! They implied multiple times that we were members - Yes.

USAA makes you drive 325 miles in 6 months! I drive 300 miles a year! You are forced to take your phone! I never carry my phone on local trips! They do not acknowledge every trip and even reduce mileage! I paid 6 months in full on June 18th. I got a notice in July that I would get discounts for mileage, auto pay and SAFE PILOT!, In August I got a notice lowe more! I talked to 9 customer support employees, 1 specialist and 1 supervisor! I was told my discounts went in effect June 18th but the notice said effective August 7th! HOW WAS IT APPLIED IN JUNE WHEN IT WAS AFFECTIVE IN AUGUST?

USAA cancelled my auto policy after I made a payment arrangement with a live agent. I made the arrangement on August 2, 2024. They cancelled me on August 22, 2024. I was scheduled to pay on Sept 6, 2024.

Going to USAA member for over 20 years. In 2016 I canceled my insurance and all accounts with them because they would not allow me to remove my 22-year-old daughter off of my auto insurance policy. She was not living in home, had her own car in her own place and her own job. When they would not remove her from my policy, I decided it was time to move on and canceled my policy and closed my accounts.

Worse experience I have ever had working with insurance. This company absolutely comes in with bait and switch pricing. Offering me a rate, then jacking it over 35% as their estimators obviously have no accountability. They increase my homeowners insurance by over 25% in one year even though theirs been no claims, and they offer absolutely no justification other than that is what their ignorant system says. Then I actually have an issue and reach out to make a claim, am told I will be contacted within 24 hrs, I called every single day asking to talk to someone, leaving messages, leaving messages with managers.

Been with USAA for 7 plus years. Horrible customer service when dealing with claims. My SUV has been sitting at a tow yard for 7 days now. Can't get anyone with USAA to tell me when they plan on moving it to the repair shop. Lots of excuses and zero progress. Now it's a holiday weekend so it won't be until next week....12 days after the accident (not our fault) before they will even call me back. As soon as this claim is closed I will be finding a new insurance company. Got to love how they treat veterans/family (their only clients). If I didn't know better you would think it was the VA running this "company".

I got into a not at fault accident. My car was deemed totaled. USAA is partnered with Copart for the process. Anyways it’s been about 2 months now, they keep sending me emails that I need to sign and send more documents. I send one out only for them to email me with more paperwork that I need notarized and return. This is impacting my credit score majorly. I wish they would send all the paperwork I need to fill out at once so I can move on from this. I wouldn’t go with USAA in the future or anytime at all. I call and get nowhere with the call. No help. It’s upsetting to say.

USAA is a scumbag ripoff company who I recently discovered has been charging my elderly parents for home owner's insurance we cancelled 5 years ago. Trying to interact with their customer "service" department to get this resolved has been worse than trying to resolve a billing issue with Comcast. Utterly dishonest & irresponsible employees, a website that is nearly non-functional, and an obvious company policy that they will accumulate as much money from their customer as they possibly can, ethics & legality be damned.

I am a retired Army officer and have been with USAA for 26 years and advocated for them telling other soldiers and retirees about USAA services. However I cannot say that anymore and would not recommend going with USAA anymore for the following reasons. It took three weeks to get my daughter an account with USAA, I had to call twice to help her out, it was difficult and confusing even to me. This was a horrible experience and I would not get another account with them. Next, just today I got an email saying that my life insurance premium is going up 54$ a month AND that the benefit is going down over 44 thousand dollars! So I am going to have to pay more for reduced benefit, and if I want to change my policy I need a physical.

USAA is impossible to deal with. Insured with them for 40 years. Our car was hit by drunk motorist and not moving. The person was cited for reckless driving. Our car was totaled. The car was owned by us for less than 3 months. USAA uses comparable from outside sources and is refusing to give a fair settlement. Less than what we paid. Our car was in excellent condition. USAA uses emails are weird emails and that don't accept comparables- USAA is difficult to get on the phone. USAA wanted to charge the deductible even though they are going to subrogate. They are not kind to their customers. After 40 years when this is resolved- they are gone. They used to be a good company.

USAA has the best roadside assistance I've ever had. I had a flat tire at night. I contacted USAA and they sent me a few questions via mobile phone and they contacted a towing service. I called the tow service just to confirm and they answered the phone after one ring. The gentleman was very polite and told me he was just leaving. He arrived within 15 minutes, fixed my tire and I was on my way in less than an hour. It was a beautiful thing...

"Affordable" is relative. I have been a member for over 22 years, with a totally clean record, and when I was hit by a 16yo uninsured driver, USAA refused to submit discovery of a video that would have very likely proved me as not at fault. This is referred to as "discovery obstruction" or "withholding of evidence," and this unethical practice is often used to avoid paying out higher costs, and pressured the insured into taking a lesser value than their vehicle is worth. Also, they said I had "accident forgiveness," and my insurance would not go up, but it did go up from $90 to $110, even though I went from a BMW 5-series to an older model Subaru Impreza. This is how they thank their customers.

USAA Auto Insurance claims can be a nightmare because their employees either don't care about customer service or lack the knowledge to handle tasks effectively. It often turns into an extensive waiting game, and I believe that if you have this insurance, you might consider getting a lawyer before communicating with them. They are quick to try to blame the insured for any accidents or attempt to avoid paying out according to your policy. They charge the highest premiums and offer the worst customer service and claims process.

I have never been more frustrated. We have insurance bundled on everything from house to cars to homeowners insurance. We called months ago to add our daughter’s renters insurance for her first apartment. When she had to change unit numbers, we thought it would be a simple call… It is turned into seven calls —45 minutes each because each representative is trained differently, told differently—-there is zero consistency with their knowledge. The first representative could not simply change the unit number and had to write up an entirely new policy. Then try to get a manager on the phone because our monthly cost tripled with no explanation. Later I found out it’s because she wrote it under my daughter's name and not under me with a bundle discount… Then she didn’t put the correct dates. We had to call back again. Then that person realized she didn’t cancel the first one and we had two policies on two different apartments.

To all veterans you think USAA got your back until you file a claim and I’m been a member over 10 years. But yet denied to pay $157.37 for the right bumper for my truck. And as of today I will not recommend them to anybody. Oh and yea I’m still waiting on a call about my claim that happened over 30 days ago. No wonder they got a 2 star rating. Then got the nerve to tell me how the accident happen. On yea and her name was Briana

I have been with USAA for over 25 years and the last 5 years their customer service has really gone down the tubes! Sooo many times when I call, I get someone on the line who is obviously new on the job. They ask all these questions (reading off their computer) to verify my identity etc, then I get put on hold numerous times so they can call a supervisor to get answers to my questions. It's really stupid! I think the problem is that USAA has grown so big they're unable to provide decent customer service anymore. When my current policy is up, I'm calling GEICO.

Do not use USAA. They don’t care one bit about Veterans but they put on one hell of a show to pretend like they do. My wife and I used them for over 25 years until recently. We were in an accident that wasn’t our fault and now we are forced to pay the remaining $30k on a totaled car because they cancelled our insurance the month before without us even knowing. Trust me, use anyone but them.

USAA decided to stop providing me services as soon as I started creating an account for no reason, which is nonsense. I never applied for any services and was planning to look for their auto insurance, but this happened. This occurred in the year 2021. If I can rate less than 0 stars, I would have done it.

USAA claims to be for the benefit of veterans. Nothing could be further from the truth. If they can scam more money from you, they will. Every time my auto insurance renew, there was hefty increase even though we had no citations or claims. They always had some excuse why the rates went up. I do not recommend USAA to anyone. There are better companies out there and will deal with you fairly and not be concerned only with their shareholders and profit.

I have been a customer for over 10 years. I had automatic payment set up from a credit card that expired. I called, talked to a rep, gave a new credit card and added a vehicle. One month later there was a cancelation notice in my text messages. I assumed it was a scam like everything. I noticed another and called 3 days after the date on the notice. They had both credit cards on file but the wrong one was connected to the auto payment. USAA refused to reactivate the policy and said they could start another at a high rate because I was now a risk. I called Progressive and instantly had a new policy that was 30% cheaper. I had always assumed being a vet and USAA was cheaper and had good customer service.

Great unless you want to talk to a real person. 30 seconds with a real person is golden. 10 minutes being routed around by AI is frustrating and nearly worthless. Outstanding customer service is what set USAA apart from every other insurance and banking company. They have lost that with AI.

Horrible company. Their adjuster Cody and his supervisor Summer are 2 of the rudest and most unprofessional people I have ever had to deal with. I'm not a member but one of their customers but my car. You would have thought it was my fault that their customer wasn't paying attention while driving. It was like pulling teeth to get anything done so my car could be fixed. I can't imagine what their members go through. I would never have this company as my insurance. They made an already bad situation even worse. They are a disgrace!

I have had USAA for both renters and auto insurance for several years and they were great. Up until I filed a claim for an accident that they deemed I was at fault for. I filed the claim, and then using the online portal was greeted with a "go pick up your rental" after grabbing my rental (which was a seamless process) my adjuster reached out to me the following day. On that phone call they were taken aback that I had gotten a rental already stating that I was not authorized to do so.... even though the app had me go do it.

I’m so unbelievably frustrated with this company’s auto insurance. I’ve never had troubles with AutoPay options from ANYONE. When my credit card was stolen my bank indicated that all my Autopayments would continue as usual, and they were correct. Every single company continued accepting payments except for USAA. So they cancelled my insurance without a single call, and to restart it they made me go through the whole process of reapplying.

USAA possibly the worst car insurance you could possibly have !!! Be warned. Had my car towed USAA offered me $30 with my benefits towards a Lyft ride. I responded to the text message was supposed to be given a code so I could at least get to the car dealership or to the grocery store. No the code never came. Called USAA. Transferred me four or five times back and forth not knowing where to send me gave me a number for Lyft. That is nothing but voice messages. So, this single disabled female was left with no car. No Lyft ride. Credit of $30 from USAA partnership. This is the second day. Still waiting for my Lyft ride and don't have my car. Thank you USAA!!!!

I had two claims with USAA in the past month. One claims representative was incredibly helpful and responsive. My other claim was deemed a total loss. I have reached out to the adjuster multiple times over a 6 day period and no response. I have reached out to their manager. They are out of town for another 4 days. I reached out to a general customer service representative. She said she could send messages for my claim representative and his supervisor. I told her I have already done that multiple times. She said that was all she could do.

Our nightmare began in April 2023. USAA did not represent us as their client of 40 years. Recently the roadside assistance was a nightmare. I ended up sitting and waiting for a tow truck for 5.5 hours. When I called to verify my location I was disrespected and laughed at.

I have been a USAA member from 1987-2024. I have paid USAA over $25,000 in insurance costs, but I have claimed >$10,000 in insurance costs (-$500 deductable x 3). This means I would have been $12,500 ahead if I did self insured instead of insuring with USAA. My claims have been very painful. For my stolen tires, the assessor said they were not stolen but friend prank, when my vehicle was stolen in Naples Italy I had to prove the location of my second key. For when I my parked car was hit in the parking lot I had to prove fault and damages. For when my car broke down (with tow service) I had to wait 8 hours in 115F temperature. In hindsight, even with significant surprises, I would have been better off being self insured than insuring with USAA. Honestly, in hindsight, I recommend that service members self-insure instead of using USAA.

The truth here is this company will totally disregard you even if their insured is at fault. They will give you the run around about not being able to reach their insured, after your insurance company does their work for them and they admit fault they will still not pay the claim. They will want you to go to their Inspection centers and hope you get a fair diagnosis. Their insureds will lie, they will lie and they do not care what they have done to your life. I had an older car, paid for, but still in very good running condition.

My husband and I have been using USAA for the better part of 10 years and have somewhat enjoyed it. However, my husband was in an accident last week - he is at fault - but when we went to inquire about our rental coverage we were told we had declined it and had no coverage. If that was actually the case - I wouldn’t be upset. But this is the second time in five years we have called and gone through the process of adding rental car coverage. Each accident in that time (one for me 5 yrs ago and my husband 2 yrs ago) we have been told we opted out of coverage. This has cost us thousands of dollars and is a service we have been asking to pay for, for at least 5 years. USAA will not admit fault and we are being sent coupons… wonder if they make money from their rental car referrals. Sure feels like it.

USAA frickin sucks. Their customer service is abominable. I just started an auto policy with them and they said they would not do a homeowner's policy with us, but would connect us with a third party who could. I called in for this and was placed on hold for half an hour and, when it seemed like they had no intention of ever picking up the phone, I gave up and hung up. I called in again to get someone to expedite a transfer and they wouldn't transfer me to a rep until I stated what I was calling for, but despite me shouting into the phone they couldn't seem to pick up anything from me and kept on ranting their automated message.

I have been wanting to switch insurance companies so I have been doing my research online. I decided on USAA and I'm put on hold for 10 minutes before I get to talk to someone before I'm told my parent, who was in the Army, had to of had USAA in order for me to get it. Nothing absolutely nothing in the research I did said that was a requirement. The requirement I read said your parent or spouse just had to honorably served in the military. Nothing said they had to also be or of had been a USAA member themselves. What a scam and waste of my time. I do not recommend this company and their shady tactics.

I have never in my life experienced such awful treatment of Veterans. USAA doesn't help Veterans, it hurts them. Veterans all over the USA have been destroyed and hurt by USAA. This company makes Veterans want to hurt themselves. They steal money from Veterans and make Veterans suicidal. USAA is a Sanke Pit for Veterans.

I was recently involved in a car accident. I'm a USAA member, that was hit by another USAA Member. A car swerved into my vehicle on the highway as my brother and I was driving home. We tapped bumpers twice (the initial hit was to my passenger front tire fender, and front center bumper) as the driver was trying to correct itself as if it was going to stop on the highway before the driver realized where we were to then drive to pull to the side of the highway. Clear night and there wasn't any rain or adverse driving conditions to warrant an accident.

Paid extra for no deductible, and now being charged a deductible. Wanted full coverage for my car. But was sold down to save me money. Yesterday when windshield was hit by a rock, was not too upset knowing I paid extra to be covered 100%, but then I call USAA, AND TOLD I NEED TO FORK UP 1000$ TO FIX MY WINDOW. Told they would contact me today. Fat chance. So I have to wait till next week, to find out if they can help fix, botched insurance plan, or I find a different insurance company. But if I'm stuck with 1000$ bill, my summer has been destroyed. It will take 3 months to save $1000, on my fixed income. No car to drive. This is not why I paid extra 250$, on my 6 months bill, to get a deductible, to strand my life,

Horrible company to deal with. I would never recommend. I had a brain injury and they are trying to screw me over with my lawyers. THE OFFER THEY GAVE WAS SO LOW EVEN THE MEDIATOR LAUGHED AT IT. Please avoid at all costs.

Run as Fast as You Can. My experience with USAA has been an absolute nightmare, and I urge everyone to avoid this company at all costs. Their mishandling of claims and blatant lack of accountability is shocking.

Spent nearly an hour going over extensive details on a claim where a USAA insured was at fault. After explaining all of this info on a recorded line, I was told to repeat it all by the adjuster the next day. Then the adjuster lied about sending info to me and was very combative and dismissive of my concerns. THEN, when I reported this poor treatment and asked to speak with anyone else that can help, I was sent directly back to the same adjuster. Absolutely awful experience.

USAA forgot who pays the premiums. USAA is not the company it was 13 years ago. As a matter of fact it completely forgot what the meaning of "customer service". They will not return phone calls unless you call enough that they get tired of receiving calls from their associates. As a matter of fact Stephanie **, a claims supervisor, told my wife that she does not return phone calls. She has definitely proved that. That statement alone proves how arrogant she is. But, we have found that no one in her department will return calls even though voice mail greeting says to contact her. She had the audacity to lie today telling my wife that there was an estimate sent on my vehicle on May 6. That would be impossible because that is the day the accident took place.

Worst customer service ever. Got rear ended X-mas eve 12/24/24, and 5 months later my car is still not fixed. The person who hit me also has USAA and they apparently don’t want to pay to fix my Model X Tesla. Now they won’t even return my emails or phone calls. As soon as I get my car fixed I’m dumping them and going back to my local insurance company.

I have been a customer of USAA for 37 years and was notified that my car insurance is being cancelled because I had to use the insurance. I was invited to come back after the accidents leading to this decision fall out of the review period. Why would I come back to a company who doesn’t value their members?

Beyond disgusted. This company has tried to stiff me twice now when I had claims on insurance! We had a very simple claim (went on road trip, 18-wheeler kicked up a bunch of rocks that hit our vehicle, 1 cracked the windshield and one small dent in the hood). The adjuster was aggressive, repeating questions over and over. She would repeat back wrong information as if trying to trick you or asking for very specific details as if she was trying to trick you into answering in very specific ways. She grilled my husband and I both in separate phone calls as if it was a murder investigation and we were suspects!

USAA bullies and coheres you meet Texas auto insurance regulations but if you take the time to research yourself the law states “some insurance companies may require” meaning the mandate is the insurance company and not the law. Agents are rude and they are always right, not the customer. They have no problem putting you on a brief hold and then returning to inform you, the policy was cancelled as you requested even though your request was to remove the teenager or you would have to cancel. Customers are no longer valued.

I wouldn't recommend this insurance to anyone, I'm on a fixed income and they are trying to cram a 6 month policy into 4 months of payments. This will motivate me to go with a different insurance company altogether. They are very deceptive and manipulative.

Sunday in April traveling and pulling our camper on a busy Interstate had a tire blowout on the camper. Called USAA (takes 5-8 prompts to get adviser) They transferred me to Roadside Service, got disconnected! Called back, transferred again, Roadside Service said we had no coverage on Auto Policy hung up! Called USAA again, yes we were covered, transferred to rude Roadside Service. "No you are not covered! What is your Home Policy number?" Was on the Interstate did not have Home policy number, had to call USAA again, get policy number and be transferred to R.S. Was disconnected AGAIN by R.S.

I was with Usaa for 48 years. One morning I woke up to find out they closed my checking account. They said they needed a copy of my husband’s death certificate (he died a year earlier). They never sent me a letter or email requesting it. They said they left a message asking me to call back but didn’t disclose why I should. That’s no way to treat someone that’s been a customer for 48 years!! I closed out everything I had with them. Insurance, savings, credit cards.

Been a member for 16 years and a military veteran. I would advise you to go some place else for insurance which is what I am going to do. My auto claim has been open for 2 months and not one person from this company can return my call or help. Neither will the “managers.” No idea now how I am going to get my car fixed.

They don't deserve any stars, straight 0. Horrible claims department. My car was totaled because of their member but I got treated as if it was me who hit the member. Everybody was not on the same page. Assigned adjuster is horrible with communication and doing her job period. Nobody calls you back to tell you the status of your claim. I had to keep calling to get things done. Nobody calls you back when you try to complain. I had to watch my car get towed away while the member was able to drive off. Took 4 days for them to get me a rental. Just the most annoying and irritating experience ever.

Do not use this company. They are the absolute worst for insurance needs. They take your money and jerk you around with third party people. Michele ** is worthless along with Bryce **. They will deny your claim immediately and cause you to waste time. Their business model is to basically out wait you. Contact your state insurance commissioner if you have having issues with this company.

USAA refuses to acknowledge that they were informed that a vehicle was put in storage during deployment and won't correct their oversight. We followed the same process when our family member went in for training with no issues, but 15 months later when deployed we did the same process and they claim we didn't and won't make it right.

Just set up new insurance and can not get into my online account and they will do anything to help!! It can only be done online so if you don't have internet access you are screwed—worst company and treatment of the military even worse. PLEASE STAY AWAY FROM THEM!!

DO NOT USE. RUN AWAY. We have been with USAA for almost 20 years. They were fantastic when we started. Now....bunch of incompetent crooks. I was hit by another USAA member and they filed under my policy instead of the party at fault. We have spoken to them multiple times since we discovered the error, only to be told it was corrected and then find out that it is still not fixed. I am in the process of hiring an attorney for the false claim they have not only filed but continue to refuse to correct against my policy. I can't stress enough to go somewhere else.

Hit by USAA driver. Had issues with their emails coming through. They couldn't send link to upload photos. They send email stating another email will be sent explaining their decision and 24+ hours later no email. You message them and they're like "the claim is paid. How can we help?" You could start by sending the email explaining everything like you were supposed too. Add they have No drive up site in Tulsa area to use. They don't read messages being sent back and forth-so you are constantly going over things.

My father and I were told that they were canceling our policy stating car no longer in our possession which is not true. Then we found out that it's a high risk vehicle for theft but in Texas not Az. We sent in a certified /registered letter to them and they still have not responded and that was over 30 days ago

I have been with USAA for 30 years and two months ago was the first time I needed to contact them for an auto accident after I was hit by a Semi truck that ran a red light. My car need 10,000 dollars in repair. I have been in a constant struggle trying to get my "assigned adjuster" to return calls or online messages. It is disappointing that USAA has no concern for my concerns. It's a shame that this company is suppose to offer a service to vets and their families, but actually they are doing a de-service.

Outrageous rates, garbage.

It is IMPOSSIBLE to get a live person on the phone when you call their Customer Service number and there is no way to leave a message. No matter how many times I call, I get disconnected without ever speaking to a CSR or claims person

I only left 1 star rating because there was No other option like 0. USAA is the worst insurance company ever. They offer Tons of coverage, but be careful because they not reliable, they will take your premiums and deny your claim. As if you didn't have a policy, totally awful Insurance company.

If I could leave a lower rating I would. I've been a member for 12 years. When I first started using USAA it was a great bank, they provided great service, had customer friendly policies, and were overall one of the better banks to use in my opinion. As of the past few years though it has gone downhill dramatically. New policies that just make everything more difficult for the customer, the auto insurance is an absolute joke. Wouldn't recommend them to anyone anymore, find a better bank, USAA isn't what it used to be.

I have been a member of USAA Insurance policies for several years. The cost of insurance climbs steadily every 6 months. It is almost unaffordable. My contacting the company is fruitless, because they do not care. If there is a lower insurance rate company, I will drop USAA in a second. I bought a used vehicle, and the rate has increased 3 times in 6 days. Hello? I have gotten 3 notices from them of each increase in my rate, while the discounts go down and/or disappear. USAA is not a fair company to veterans.

I have been a member for 12 plus years. I'm a 100% disabled vet on a fixed budget. They have always received my money over the years and have been a great member over the years. I was in the hospital and didn't realize my auto pay didn't go through. They decided to cancel my policy after 14 days of non payment. They never contacted me directly and I didn't know it was canceled until I went to pay my next month's bill online. They didn't even care I was going to switch insurance companies and told me the only way I could get my policy renewed is if I paid 2000 dollars upfront on a fixed budget. I wouldn't be able to eat if I paid that. My policy was 340 a month and now I pay 170 with Progressive. Just ridiculous how they treat disabled vets that have been members for so long.

After 62 Years of Loyal Membership, I Was Dumped by USAA. In January of 2022, we made the mistake of moving from Florida to North Carolina, adding many thousands of dollars to our taxes and causing USAA to dump our auto insurance into a North Carolina high-risk pool and cancel our umbrella insurance. We now have about 40% of our old liability insurance coverage for about 150% of the old cost. Moreover, this new insurance was sold by the USAA Agency, which, I believe, means that they collect a commission on the insurance which they no longer provide. Here is the story, based on my experiences, perceptions, conclusions, and opinion.

I would give zero stars if I could. Worst communication with the claim adjuster: never called me back despite all the voicemails, took 2 weeks to get my car towed, wouldn’t extend my rental coverage, and when I spoke with the manager he did not care whatsoever! He kept stating the policy is “black and white” and I would then have to pay for my rental even though they delayed my repairs by 2 weeks! We asked to speak with the director and never got a call back. I could not express how much I do not recommend USAA. The worst car insurance company I’ve ever had to deal with.

If I could rate this insurance company at zero stars I would. This insurance has done NOTHING in order to help me with my car accident that I was in 2 MONTHS AGO. Nobody would call to give me any updates about paying my car loan off, nobody was any help to me whatsoever, and everyone has drug this case through the mud for me. I am still making payments on a vehicle that was totaled by one of their members in January because nobody has any sense of urgency and because they keep making the same careless mistakes over and over again. I would not recommend this insurance company for ANYONE!!

Title: Disappointing Experience with USAA Claims Department. My recent encounter with USAA's claims department following an accident left me deeply dissatisfied. Despite the clarity of fault and the honesty of the at-fault driver, who accepted full responsibility from the outset, navigating the claims process proved to be an arduous ordeal. Following a thorough assessment, my vehicle was deemed a total loss. Naturally, I requested that the provided comparables be rerun with parameters specific to my locale and the fiscal quarter, ensuring the most accurate valuation. However, USAA flatly denied this request and remained unresponsive to my inquiries.

Approximately 10 years ago my wife had an accident and the claim process was amazing. 2 months ago we had an accident and the claim process has been horrific. Canceled the rental early. Refusing to pay etc. I am beyond disappointed with what this company has become.

I called USAA for a tow to the nearest Discount Tire 3 miles away. First try, I received multiple useless texts...And 1 that asked to give a satisfaction number to the completed service--service had NOT been completed yet! I had to initiate another request. This time, 30 minutes later, a tow truck showed up. Time elapsed between 1st call and tow truck arrival: 3 hours. Better than the last time (12/26/2023). I request that AI be removed from USAA's services and that competent persons be trained to answer phones like it used to be. I have been a Customer of USAA since 1979. The customer services used to be with human beings who showed care, competence, compassion (the 3 C's). It has changed for the not-better and yet pricier. Please bring back the 3 C's.

I called about reducing my premium and was told completing a defensive driver's course was a method. I completed it and was only given a portion of the discount quoted with no rational explanation for why. Matter of fact I was told the agents shouldn’t have given a definitive quote. Well they did and a review of the calls validated they gave me the quotes. Here’s my issue. How can a reputable company like USAA, provide such inconsistent information concerning a common product discount? Just doesn’t add up for me. Hard to believe they don’t provide more definitive training for their agents.

To begin, I changed to USAA based on their rates for service members, and the recommendations of others. The first claim I filed with them, many years ago, went so smoothly I transferred all of my autos to them, as well as homeowners, around a dozen different policies. Apparently, at some point, something changed. Their usual customer service folks are still wonderful, but the claims department has become an absolute nightmare. It used to seem like they were looking for any excuse for your claim to go through, now it is the opposite. I don't have time to recount the entire nightmare, but in short, my truck was stolen, and recovered damaged.

I think my uncle sizes it up best. If your insurance company advertises more than once per TV show, you probably have the wrong insurance company. USAA should spend more money trying to retain customers than get new ones and pay celebrities millions of dollars.

Have no dings on my driving record and have been a member with them for 25 years thanks to my father for serving in the Navy. My auto insurance renewed and it went up $50 for no reason. The customer service person told me they were sorry. There was nothing they could do. She actually apologized and thanked me for being a member for 25 years. I laughed and said, "So this is how you treat your loyal customers?" I was looking for other insurance while I was on the phone with them and Progressive was almost $60 a month less expensive for the same coverage and I told her that and she was willing to let a 25 year loyal customer go over $50/month. Needless to say I submitted my application for new insurance. I hope the phone call was recorded. What kind of company screws their customers over for being loyal and a good driver? USAA you need to work on your company big time.

USAA No longer cares about its Military Customer Base. Don't expect quality Responses or Customer Service for their inflated Insurance Prices. I have 4 Cars Insured now on the same policy with a National Insurer, and the premium I pay is 150% LOWER than USAA quoted premium. Seriously shop around and save yourself thousands of dollars, get quicker responses elsewhere. Keep in mind USAA has to hire independent insurance inspectors to respond to your needs and this could put anyone random tool trying to assess your claims. USAA Customer Service is now extremely Rude.

USAA Auto Insurance recently tried to increase my annual premium by $480.00 because a “third-party” allegedly sent a letter in September 2023 making it mandatory to update my annual mileage per vehicle. Since I have been with USAA for almost 40 years, I ignored a letter from some company I never heard of. How dare they try to say it’s my fault! I have been paying USAA all these years, NOT some third-party company!

My dependent, who lives in another state than me, was in a very minor, no damage, bumper tap. The other driver fled after scaring the heck out of her and taking her insurance information. Somehow, USAA filed the claim against one of my cars which hasn't been out of my garage in months, let alone out of state. I've lost track of how much time I've spent trying to resolve the issue and the claim still shows up on my account. It's been almost 2 months. They need some government oversight.

Got a quote for insurance then first payment 250 more than quote. They admitted it was their mistake and took no accountability, responsibility and made no effort to fix issue. After dead end calls to them no one cared. They did nothing to help. The way they treat veterans is unacceptable. I feel lied to and mistreated. Don’t make the mistake I did and trust this crooked company. Stay away. If you are with them leave now

Review: I had the unfortunate experience of dealing with USAA after my daughter's car accident. I cannot stress enough how dishonest and deceitful their tactics have been throughout the entire claims process. To provide some context, my daughter had just purchased her first car, which she saved up for two long years to finally purchase. She was driving cautiously and responsibly when the USAA insured driver ran a stop sign, causing a severe collision. It was a traumatic experience for her, with both physical and emotional consequences.

I've tried to settle a very basic auto claim! I've been switch to my 3rd adjuster in a year! Tried to submit all paperwork and received no verification of them being received! Therefore it's taken 2 months just to try and get someone to return my calls! Paul and Martin his supervisor refuse to handle things in a timely manner. Is hard for someone with PTSD! This is supposed to be a veteran friendly insurance company! I warn vets to stay away! This will make your PTSD kick in!

My daughter has her car insured by USAA, with the policy called garage car, as she is in the military and on duty overseas. Last year, when I insured her car. I was informed that if I was going to use the car for any reason, I should call USAA and let USAA know when the car left the garage and when it returned to the garage. As the car had come from another state, the DMV requested to see the car, it was mandatory to go to the DMV driving the car and with all the documents requested on the list provided by DMV. I called 06/30/2023 USAA insurance, and informed them that, I was leaving with the car to go to DMV. When I got back home, I called and said the car was back in the garage. I did as USAA requested.

Horrible is all I can say. I have a global settlement with USAA that should have been settled forever ago! Next month makes 2 years! Absolutely no reason for it! Also, the claims adjuster started ignoring me and my sister (who is the one insured with them) about a year ago! Dealing with them is horrible! It’s sad that I’m going to have to pay an attorney out of my pocket to get my settlement money that was supposedly released to an attorney they hired over a year and a half ago! At this point I will make sure to leave a review on every single website I can find warning people how terrible of a company to deal with they are!

I have been a member with USAA for nearly 10 years now. I have received exceptional service in the past, but recently I am very disappointed with their service. My vehicle was deemed a total loss 3 times during my claim/repairs, it has been in repair status for 3 months, I was only reimbursed for 6 days of rental coverage, the adjusters including the manager are unresponsive and communication is unnecessarily drawn out. USAA refused to communicate with the mechanical shop and the body shop, which made my life very difficult.

I am a veteran and have had USAA auto insurance since 2017. Initially it was ok but had someone hit my car and did not stop. It took two months before my car got repaired and I was not given a rental (was not offered although it was in my policy). Rude, nasty, and lazy people slamming the phone down and hanging up on me. I kept the policy until today 12/20/23. I noticed my policy increased more than $100 this was the second time this occurred because they said I had speeding tickets. Lies I had a seat belt violation and had zero points. This horrible insurance company increased my premium because of a hit and run accident that was beyond my control. I got a policy from All State for $113 per month with renters policy. To add insult to injury when I called to cancel the policy I was transferred 3 times and told to call back. Just unbelievable and unprofessional.

Most unprofessional and unacceptable experience I’ve had with an insurance company. They’ve had my car for months, said they were going to fix it but then said the engine was messed up and refused to fix it until I had it replaced (engine didn’t stop working until after the wreck). Then they total it and send it to another company but wanted to give me a third of the value of the vehicle which was shady so I naturally disagreed so they back step and say, "Oh I guess, it’s not totaled out of pettiness and want to tow it back to a shop to have it repaired but of course it can’t be repaired until they fix the engine." USAA used to be a good company but now it’s all about corporate greed. Thankfully I’ve already stopped about 20 people from joining USAA and quite a few others to change over because these guys are crooks.

I've been a USAA member for 30+ years, and have had a few claims over the years. I recently hit a deer, and I have 0 deductible on comprehensive coverage, first off they tried to send a check based only on pictures submitted by me when I just wanted to take it to a shop and them fix, the assessment from the shop matched the amount they wanted to issue for a check closely. Then a week later with no contact from USAA or the shop, I called the shop and was informed that my vehicle was totaled and a write-off, so I contacted usaa and they told me that they were going to total it and give me about 40% of the vehicle value, take it or leave it. But my adjuster was on vacation, I attempted to contact USAA both through the app and phone, for a full week without response.

This company has really taken a turn for the worse in customer service. I recently had a claim with them after someone ran a stop sign and hit me. They decided the fault was 70/30. I wasn’t happy about it but just wanted my car fixed…. After I dropped my car off, it was determined the parts would take some time to come in.

I switched to USAA early 2022 from ALLSTATE who I had for 25-30 years. I never pay bills late. 3 times in 9 months, USAA could not put our payment through. Twice they cancelled our auto insurance & reported a lapse to DMV which caused our payment to almost double. My husband called several times to make sure I could handle business because his travel & work environment make it almost impossible. Each time I tried I was denied & told he had to call because he is the Military Sponsor. I was able to take care of business maybe twice. We have $4,500 deposited into our account the first day of every month. Our bills do not come to $3,000. Plenty of money to cover our bills yet 3 times they said our payment was denied????

I recently got rear-ended and my car was declared a total loss. USAA settled for 40 percent less than the fair market value of my car. Not only that, but they ended my car rental two weeks before my settlement was disbursed. Please stay away, they are undependable!

I have been a member for 18 years. I was behind one month on my auto insurance payment. They canceled my insurance plan. I was told that to renew, they would require a down payment of over $1000 and with a higher premium. I cannot understand why they would not rescind the cancelation after I became current. The cancelation was the same day that I became current. Now, I cannot afford to reinsure for a few weeks, while I save for a down payment. When I explained what a bad position this would put me in, they basically wished me well. To add salt to the wound, the representative that I spoke to was going to transfer me to member retention but they told the representative they wouldn't even speak to me because of my nonpayment. They basically flat out said they didn't even want to keep me.

After I had a new brake job done on my 2016 Toyota Tundra, a couple of days later, my brakes Failed, causing me to lose control of my truck, Crashing straight into a brick wall, after I reported the incident to claims, they quickly accepted the responsibility to pay for the damages, (electing Also, to NOT pursue going after the garage that almost caused my own and others' deaths). After a couple months I was notified that they, (whatever powers that be) decided that I was at fault, due to California state law, which declares with No exceptions, that it is My obligation to Not ever collide into Anything, and that it is My obligation to go around an object.

Not enough good things to say about USAA. A great company and stand by their services. Excellent business practices and best insurance available. Prices are affordable and covers all my needs. Wouldn't use anyone else personally, and I've been around the block with insurance companies.

I am pleased that USAA reached out to me after filing complaints, but it shouldn't have had to come to that. It took seven weeks of hassling before someone with knowledge looked at the information and offered me a new option. The problem is that human beings don't evaluate these things anymore. NUMBERS are hastily put into SYSTEMS that spit out BOT-type responses. Up to the last day I was receiving completely opposite messaging, "Your car can't be repaired" ; "Your car can be repaired." It's crazy-making. Communication was sorely lacking, with one exception. Unfortunately I doubt it is just USAA. When the check arrives I will know we are done. I sincerely hope they use my prolific feedback to improve their customer service.

They recently raised my auto insurance by almost a half even though I have no accidents and no tickets. Years ago they faulted me for an accident where a high schooler backed directly in front of me without first looking because he was in a hurry to make a deposit for his store (this was at a mall), even left his car without moving it out of the way first, and ran to the edge of the mall parking lot to make the deposit for his store! And yet they faulted me for the accident WITHOUT EVEN NOTIFYING ME OR TALKING TO ME ABOUT IT AND RAISED MY RATE!

Had a claim, they messed up on their end and the company they were using and they still want me to pay. After I got told zero balance is owed on my part. I even have a receipt of zero money owed for the car.

They are wanting to repair my Mercedes with aftermarket parts, this voids any warranty and decreases the car's value not to mention the aftermarket parts are not tested in crashes. I don’t feel safe with aftermarket parts. What steps should I take to prevent this?

Worst experience. Used to be good but in last year or so, they’ve become so incompetent it’s almost laughable if it weren’t one's health and safety as a concern. Impossible to reach any actual person. The head knows not what the tail is doing.

8 minutes to speak with a representative after multiple tries through automated garbage prompts. Why can't we simply speak to a representative upon calling. I pay thousands of dollars a year for home and auto. Please provide the courtesy I pay for...

I had hail damage from a major thunderstorm on my vehicle. I called USAA and reported the damage. They took a week to come out and look at it and assess the damage. They then gave a very low estimate for repairs. Almost half the actual repair costs. I called the customer service number and they don't even address me with my rank anymore. I'm shopping for a different insurance company now after being a loyal USAA customer for almost twenty years. I will never recommend them to any of my friends ever again after this!

A tree was uprooted and fell on the roof of our house causing damage to the roof, back deck and shed. Making the claim was quick and easy. Everything was done on their online portal. After receiving my report and pictures, they promptly responded with phone calls and emails. Shortly after sending out adjusters to assess the damages. Repairs were approved and amounts were given for each repair (roof, deck, shed). Contractors were sent out to discuss, take pictures and check out what was needed, said they'd get back to me with a starting date for the repairs.

My wife and I are long time USAA members. We are trying to buy a new car and add it to our policy and add our daughters are drivers. I just spent two hours on the phone being transferred back and forth between departments and their security system has blocked us somehow. We can’t add a new car. It’s comical that something that used to take 10 minutes in the dealership can’t be done in 2 hours. No competent help anywhere. Manager was clueless.

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.

Updated on 10/10/2023: Update from my Sept 23rd post. Today I purchased a new auto policy with another provider. Amazing! Due to a simple change in cell phone number I have absolutely no access to USAA portal and customer service cannot verify my identity. They are using my "old" phone number to send verification code text "old number". I DO NOT HAVE THAT NUMBER any longer. How can I respond? I cannot even close account via phone conversation with CS. I have to send a "colored photo" both sides to an address in San Antonio TX. Their system asks for new number but it does not recognize new number. Yes yesterday, I was very vocal in regards to situation. CS rep insisted many times that I need to "lower my voice". Much respect for Veterans! Be good all!

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.

Their phone tree is not user friendly. I was trying transfer money. My first call was fine but it took 20 minutes to get thru the tree. On following calls for a smaller transfer I had a member specialist who would not transfer the remaining money. She put a hold on it. I asked why the bulk (4 /5 th)’s was transferred with no problem. She became combative as I was demanding why the other money went through. I ask for her supervisor. She stated she didn’t have one and hung up. I have proceeded to transfer the money by doing under 5k transfers myself. I have been a member for 43 years. I have banking, insurance products, and annuities. I have a credit rating 800+, I would think I’m a preferred member. Now with their rating of an F and the $140M lawsuit maybe it’s time to leave this dinosaur. I’m a loyal person. What will my next call be like?…How long does it take to get through the phone tree to talk to someone?

Living in Florida, you would think that an insurance company that caters to veterans' needs and services to this country, that your rates would or should be cheaper right? NOT! I have an excellent driving record, no accidents, no citations, a car that is paid off and 7 years old, but when hurricanes hit this state and neither your property (house/car) is damaged, you still will pay premiums that are ungodly! Look for another insurance company, but stay away from USAA. They are rip offs.

I've been a USAA auto policy holder for decades. Decades. Recently my auto-pay stopped working. First, the notifications of the auto-pay issue were only sent to my husband despite the payments coming from account. The system should notify both of the drivers on the account, especially the one that has the car titles in their name. How male biased. Second, the policy was closed, but also allowed me to make a payment. How can you accept my money but tell me 12 days later that I don't have one? Third, they are now making us pay $1,000 more a year because we are a risk for non-payment. Do you know why our payments were late? Their auto-pay system has no way to tell you that your credit card number is out of date, even when you make a manual payment. So, now I am a "risk", but you can cancel my policy at anytime due to your system. Anytime. This has been a horrible experience.

A lifted truck, didn't see my car and hit the door, fellow USAA member so I didn't get a police report (big mistake) got the repairs scheduled. When I called about the rental NO ONE WOULD PICK UP FOR several hours, accident was ruled not my fault, but because the other person would not accept fault, I had to pay for my own repairs. Tinaya, my claims person, told me the other person was avoiding them, and after some time I would get repaid. 2 months later, I get a random message stating the other person states it was not his fault, so he is off the hook to pay, remember we are both USAA members. I took photos, uploaded the receipt, spent hours calling, and all the other person had to do was say "nope not me" and just like that I had to cover my own repairs... USAA bad correspondence, I will be looking for a more fair and honest insurance company.

My name is Tyanna H. I am a USAA customer for a very long time. This lady does not deserve her job. She was in the customer service number 210-531-8722. Thursday, Aug 3rd 2023 at 11 or 12:00 Eastern Standard Time, I was on the line with a rep in the billing department About my final bill for my auto insurance policy from 2021. She sounded like she was frustrated with me like she didn't feel like answering my questions about my balance for my auto policy. She kept asking me, "What do you want me to tell you? I'm not understanding your question. What do you want to know," and then saying, "There's a lot I see on the screen," being very sarcastic when I asked her what she sees.

I have been on hold about an hour. No one has checked back in. Pretty sad experience. Rep said he had is going to get to the bottom of my claim and has never came back to the line. Please do a better job hiring.

USAA is the worst insurance company and I would recommend no one giving them their business. They are great at providing quick and easy insurance online and have a relatively good banking system. However, when my wife and I had an auto claim, it was the worst experience I have ever had with a company. USAA got a quick valuation report and made a low ball settlement offer. Over the next multiple months, USAA failed to respond to items, lied about what was within the valuation report (for example, the report said there was a reduction of cost because of condition, but their adjuster said it was because they were backing out dealership overhead and profit, which is not supported by the policy), failed to respond in writing to additional comparisons, and failed to respond to new information. It was an awful experience and because of it, I changed all of my insurances to other companies and am in the process of switching banks.

My wife and I joined USAA with the feeling that we would get fair treatment, with no surprises in terms of fees. We are on the Safe Pilot program, which is supposed to provide a discount with careful driving. Upon the last renewal, we were supposed to get a 23% discount, but the rates were raised due to what the rep said was an increase for all members. My next renewal is at the end of this month. Earned a 19% discount, but our rate went from $123 to $158! I contacted another company and was prepared to switch but the USAA rep said I would have to pay for July. We highly regret doing business with this company and are switching as soon as possible. Company has a lot of nerve saying it will give veterans a fair share.

Very bad.... probably my worst insurance experience ever. You can never really know an insurance company until you need to file a claim. For years we have paid our premiums on time every time for our home and auto insurance. A woman side swiped my husband in our van, totalling it, and we had to file a claim to represent us in this accident. At first, during the initial call re: the claim, USAA was responsive and assisted in acquiring a rental car (I work as a nurse and have to drive freq for work) when the other driver's insurance agency was difficult to reach. When you call after that initial notification, no one is answering the phone and you get a recording saying that someone will call you back within 24 hours. With my rental car due back today, and still no resolution to a replacement vehicle they are not returning our call from yesterday nor answering calls today.

My simple car insurance claim has been so mishandled, that I'm leaving USAA after being a customer for 38 years. This is my first claim! Vanesssa ** has outright lied to me, then blamed other departments in USAA when she was caught lying. She randomly took away my rental car 3 weeks before the repairs were due to be completed. When I try to call and speak to a human, I can't get through. She won't answer calls nor emails. The "supervisor" Rian or Ryan has not responded as well. I've never experienced such incompetence. I'll be taking the five policies I have to another company. The policy bids I received are 50% less, so I should have left a long time ago. USAA was once a good company. Now it's garbage. AVOID.

I was a victim of USAA member, his fault not mine, a lot of problems with the claim, they didn’t want cover everything in my damaged car!! I am very disappointed and angry right now, never had a problem with other companies!!!!

This is the most incompetent insurance company I’ve ever dealt with. My car was hit by one of their members and is still not fixed nearly 3 months later. Their excuse is that they don’t have their member's statement. If they’re handling getting their member's statement like they did mine then I’m not surprised. They made ZERO effort to get my statement, didn’t reach out once. The only reason they have my statement is because I called over and over and over leaving multiple messages, that were never responded to. I finally got through to a person after many tries and gave them my statement even though they weren’t the person that was in charge of this claim. I would caution anyone against using USAA for their insurance seeing as how they clearly have no intention of paying out for a claim.

Changed all my insurances (auto, house, umbrella, personal property) to USAA after I was quoted a price. On a recorded line I was informed my payment would be a certain amount. Well I paid what they wanted up front. However it was not applied correctly, so my payments are now much higher than the original quote and my original company. They told me, "Yeah it was entered wrong. Sorry. Have a nice day. Pay the new payment or cancel..." Military and family, ha! Just a another big corp that does not care about its customers, just their money. Leave... don't come back... They are only great until you need them or they do something wrong.

I was in an accident that I was not at fault and my car was determined a total loss. USAA uses CCC One, which is just a software program, to determine the value of my vehicle. Someone, no one will tell me who, input incorrect information into the system so the amount that the computer has come up with for a value of my vehicle is about 6k too low. I have called and called and messaged and called the adjuster to let them know what they have wrong about my vehicle but no one will return any calls or return any messages on the portal.

Part of the policy was for a backdated policy. I have cancelled my auto policy. I will no longer be doing business with USAA in any form whatsoever. I will work toward cancelling all my other accounts. USAA is NOT military friendly. I have been paying overpriced insurance with USAA for over 20 years. I lapsed for 15 days in April because I had not received my disability from the VA in over 6 months. I was struggling to keep the lights on in my house. However, THE DAY I STARTED RECEIVED MY DISABILITY PAYMENT I CALLED USAA TO MAKE GOOD. And USAA has the nerve to tell me they will not cover my kid's accident. After 20 years of business and claims of being military-friendly, we are discussing 3000 dollars. No, thank you USAA. I will pay less monthly and know that I am doing business with a company that does not make false claims THEY TAKE care of military members and their circumstances.

The slogan Service members and their families, The families is bunk. When you fill in the qualification of someone you want on your policy, they list nieces and nephews as one qualifier. That is Bunk! I was setting up a quote for my car insurance and talked to four different customer service reps. Three of them were nice, I explained I had raised my nephew since he was 15 and he lived with me and I am co-owner of his car. Three of them tried to verify him, and had problems with the system and the third one said I would have to talk to the banking department.