USAA Car Insurance Reviews

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.

My car was totaled in a tornado on Feb 26, 2023. USAA wrote checks to the lienholder and to me for the remainder. I instructed them to deposit it into my account via ACH. They simply dropped the check in the mail without notifying us that there was a problem with the ACH. (The problem was that they put my husband's name on the check, since he is the veteran, and tried to deposit it into my account, which only has my name on it, and is the account where they deduct the payments every month.) They never asked me for the account number because they already had it, but they took it upon themselves to put my husband's name on the ACH.

Had an automobile accident and upon contacting USAA and detailing the accident information it was recorded as having happened in Montgomery, Alabama. The accident occurred in Upper Moreland, Pennsylvania. I am 78 years old and gave detailed addresses as to where the accident occurred which were confirmed by the claims adjuster. To say that it was a frustrating nightmare rectifying this error is an understatement. To add to my frustration there is no one available to speak with at USAA during the weekend. I will absolutely commend the claims adjuster that resolved the situation was is knowledgeable and patient.

Got hit by another driver. USAA gave me a reservation for a rental car (small car) so I can get to work. But no rental places around me have small cars just SUV. So USAA basically said, "Tough, you will just have to wait until one is available". Really, how pathetic of a company that they won't change the reservation. So no car, could be a month or longer before mine is fixed. What's the point of insurance if they are absolutely useless when you need them. I'm hoping USAA loses every customer. On top of all that, the initial claims rep (have her extension) won't even answer. I get sent to other reps. Horrible customer service. I hope this helps with at least one person not picking up this worthless excuse of a insurance carrier.

Worst Auto Insurance we have had the misfortune of dealing with in over 30 years of having auto insurance. Debris on the road caused damage to our vehicle. Our vehicle was in the shop for 6-7 weeks since USAA was not communicating with repair shop or with us. After weeks of trying to reach someone who could provide more information regarding our claim and providing photographs, they refused to cover the most of the damage, so we had to pay about $4,400 out of pocket and they paid about $200. They insisted that the damage was due to known issues to that model and they saw no place of impact, even though the knocking noises and other engine issues had not been present before the accident. (Photographs gotten from repair shop show a dent where engine/undercarriage damage was.)

We have been USAA customers for 37 years and have multiple accounts with the company (insurance, banking, etc). However, the claims representatives have treated us so horribly over a simple windshield replacement for a new car. USAA only wants us to use Safelite to replace the window, but we want OEM windshield from our dealer who says it is an authorized Safelite facility. Our car is less than a year old. We tried to explain this to the USAA claims rep who refused to listen and just transferred us to Safelite on the phone. I told her we wanted to talk to USAA about the claim not Safelite, she told me, "No, USAA cannot help." I asked to speak to her supervisor but she refused to transfer me, saying, "No, they will tell you the same thing." Then, she hung up on me. I called back numerous times and requested to speak to a manager, but the USAA routing operators refused to send me to a supervisor or member services team member.

My brother is a Vietnam Veteran having served 2 times in Vietnam during the war. He used USAA because they advertise that they are there for veterans. He is now very ill and I have his Power-Of-Attorney to be able to assist him with his needs. He is blind and has a hearing deficit. He has car insurance through USAA but because he has lost his sight and sold his car he needs to cancel the insurance. USAA was notified and I was told to send them my POA which I did. They received it and sent my blind brother a letter stating why they could not cancel it. Because he cannot see he will never know what is required of him to do.

After over 3 1/2 decades of on time payments of both auto and home insurance, I had one small minor claim on my vehicle, and it has been nothing but a nightmare. I hit an object in the road because of a pick up truck in front of me went right over it being higher up than my honda civic. It was an axle off of a lawn service trailer and it punctured my radiator. The costs were 6k to fix. USAA paid the honda dealership and now have doubled my rates on both vehicles on our policy for 3 years. Virtually getting their money back. I battled for over a month to get them to reconsider and they refused to budge. I am now taking my home and auto insurance elsewhere. USAA would rather lose a client who had been loyal for 36 years than be decent. I have noticed from other reviews they have been slowly declining for the last 3 years. I see it firsthand.

Over three months now and my car is still not fixed! The coverage for the car? Contingent on the review of a call from a senior policy advisor! After three months of “We cannot find the call,” “Oh we never initiated looking for the call,” to now “Ok so yes the representative said the car was covered but what does he know?” Twenty years of premiums and this is what they do! Holidays ruined, can’t drive to work or get the baby to a doctor because they denied their representative ever stated the car would be covered!! Finally we prove he said it and nothing! They are deceiving you with their “Here to serve!” Run from them! The only thing they serve is bad faith and lies!

I have been a member of USAA for over 30 years. Our youngest daughter moved to Missouri in June 2022. We tried to get her a bank account in August and USAA required a physical copy of her SSN card. They said this was a federal law. We provided USAA with bank statements and tax documents with her SSN. This still was not acceptable. Even though we had opened several bank accounts with other institutions that year, not to mention, Our daughter opened an account in Missouri with no problem and also has an account in Colorado.

I have been a customer for 19 years. The last two years have been so hard. This month Dec has been horrible. I lost my mom, while battling a horrible case of Covid, a week later I lost two nephews in a house fire both under the age of 5. Then on Dec 24 I lost my uncle. Now you tell me how could I keep my head on straight. I set timers to remind me but I somehow forgot the 24 when my insurance cancelled while dealing my Uncle's death. I called today to pay and get reinstated and I was told I had to pay the entire lease. I was at the end of the last premium so I was prepared to pay that but not over a thousand. I was more hurt by USAA than I was with not having insurance. I loved them. Always referred people. 19 years got me nothing. Yes I will be telling my entire family. We all use them. Our trucks, RVs, Vans, boat. Time to go.

I used to love USAA insurance. They are a little pricey but it used to be worth it because one phone call and you are done. The last 2 times I have had a claim have been nightmares. When I made a claim for actual car damage I put the claim in and was told I would be getting a call from the tow company. I get a call from some bogus-sounding company called Internet Car Auction. I hung up and called USAA and they confirmed that was the company and they were taking the car to a salvage yard. I told them the car just had it front fiberglass bumper cover smashed and hanging. They wanted to take it to a salvage yard for possible junking. I had them cancel that and then I asked to have it towed to a place they recommend. I had to call the place and I was told they do not take tow-ins and it would be about 3 months before it was fixed.

I received a letter stating my insurance would go up by 17% in 2023 for 1 ticket. The ticket was fraudulent by the cop who issued it in NJ. The cop said I was in the left lane 2 minutes too long. The citation stated I failed to drive to right side. There isn't any such law on I295 interstate but there were signs posted once I finally reached the 3 lane 295 highway.

The quality of service is gone, they are nice on the phone but no longer the trustworthy force behind service members. They can’t handle a simple claim correctly without constant supervision. I am looking for a new insurance company.

Received a cancellation notice with no notices before. Called to find out why because I was set up on automatic payments with my credit card. Young lady told me my credit card had expired and because it was longer than 10 days I would have to renew the policy but before I could do that, I would need to catch up the the last payment of $168.98. So I agreed. Then the bombshell, I just got scammed, because my insurance had to be reinstated, my monthly premiums would go from $58 a month to $168 a month. Thank you for being a veteran. Went to Progressive and got the same policy for $55 a month and I’m disputing the charge on my credit card as a scam.

USAA was originally started to provide insurance for Military officers. In the late 80's/ early 90's, the realization was made that if they included senior NCO's, the population base would increase and so would profits. Later still, they decided to include all military ranks and even those who never served but had some familial military connection, thus opening the floodgate to nearly anyone, vastly increasing their population of potential insurees. In those years, the rates continued to rise and the quality of customer service declined. I have been a member for over 40 years and I am absolutely tired of being taken advantage of by USAA. Today, I called to get an insight into why my Auto-renewal had increased when I drive fewer miles each year, my cars are aging, but my rates continue to go up.

I had USAA for car insurance for over a decade. Then I married a permanent resident, change addresses, and bought a home in a short span of time. Everything seemed fine until I tried to put my wife on the policy. They wanted to see a marriage certificate, passport, and green card. Then when I got it for them, their systems were not updating the information that was sent. The lack of communication between staff and their systems lead to me driving without insurance and having to cancel the policy to get another one. Now they say that I owe them a few thousand because I cancelled the policy early. I would love to go back but I can't see myself paying that much for their mistakes.

I have been a member of USAA for 18 years. I've had it since I was a teenager. I've always had their insurance. I've always had their bank for the 1st 10 years. I really enjoyed them. I didn't know any other service and I didn't need to. As years went on so did their service. We had more and more fees, things went up in price, and the way they did their processing on things no longer made sense.

My daughter Nadina ** has a Range Rover, we were in Broken Bow and passed under a tree and something fell and hit her sun moon top and cracked in little bit pieces. She has been fighting with USAA to replace it for months. She and I are so disappointed with USAA. They have been giving her run around. This company service "0", she tried asking for manager or vice president and they won't let her talk to anyone. I hope USAA sees this and fix problem. Please people check rating on USAA before you get this insurance because it has terrible review. We Both of VERY DISAPPOINTED with USAA. I give them a "0" rating, what has become of USAA. Please HELP.

Cancel all your USAA accounts today! Undoubtedly the worst insurance company in the world! Their insured driver hit a kid in the bike lane at a crosswalk with two yield signs and received a ticket for "failure to yield". USAA refused to cover one dime of the kid’s very small medical deductible in writing. They would rather the parents sue the driver. If you have their “coverage”, you are not covered. Despicable humans. Cancel all your business with USAA today.

In 2019 our personal caretaker used my van to take disabled friend to doctor. It was windy and my door dinged the car next to her that was right on the line between vehicles. She called and I told her to give the lady my number and I would take care of the door ding. Her husband called and said he was tired of people at work scratching and dinging his 2017 Explorer. I told him I would pay to have the ding fixed. He then said my friend put a big scratch on his car and I told him I had pictures. He got an estimate. The estimate was 2 parts, one part showed cost to fix the door ding and the other part was to fix the other scratches and repaint the side of the SUV. I called and said I would pay the $300 for the door ding but not $900 to fix the rest. He said that we hit his truck and he also wanted a rental car for 3 days for $250. I told him he can deal with my insurance.

Outside of the mobile app being frustrating to use, I didn't have any issues with USAA, until I had a windshield claim. Was easy at the start, they use Safelite for all windshield claims, only the first installation resulted in pieces of my car flying off on the freeway. 2nd visit resulted in fixing missing molding from windshield, but the multifunction camera on the windshield kept malfunctioning because of the install being off center. This is where everything got bad. I was unable to reopen the claim with USAA, and they have a circular help system that will make sure you can never actually get through to anyone about an existing claim. Their chatbot is especially diabolical. It wasn't until I left a review on BBB, that I received a call from a special team that deals with BBB complaints. After the 4th windshield was installed and 4 months, I finally have a working car again, but there is no way I'm risking another claim with USAA.

USAA use to be a reputable company but since the pandemic there has been a slew of stories that they are stealing from their customers through monthly overcharging in billing. I too have been one of the many to be told there is nothing they can do about the overcharges and if I don't like it, I can cancel my policy. Where is the BBB - this is fraud to those who serve our country. It's not just any insurance company - this is beyond criminal!

***MUST READ!!!*** I have never gone online and written reviews to discourage people from using their services until today! I will be writing this same review on every site I can find! I strongly recommend you use any company besides USAA. I have had 3 different policies and a credit card through USAA, and I can’t stress enough how horrible all 4 of my experiences have been. My family, including myself are all prior service members and have used USAA for decades. But NO ONE in my family has accounts with them anymore. As of today while writing this it has taken them 6 months to backdate an insurance policy that was approved in March. I even drove 16 hours (round trip) to get documents for them from the VA DMV to expedite the process because I needed it done as soon as possible. Now 6 months later, it still hasn’t been done, costing me thousands of dollars in the process.

I have never left an online review before in my life, but I have to after this experience. Three weeks ago, I was stopped at a red light and was hit by a driver insured by USAA. The driver was very nice and apologetic. The following Monday, USAA called to say they are accepting liability, set me up with rental, and said would tow my car to service station. I chose my Hyundai dealer because the suspension and rods/alignment were clearly messed up. They seemed unhappy I didn't choose their auto body.

At this point, I LOATHE USAA, because their system is just ignorant. They have security measures that just hinder users where you have to have a password AND a PIN, family members on the account can't speak to them or do things they should be able to do. Then they have their nightmare of a website portal, where once you battle their ** login security, their autopayments features absolutely suck and so do their employees when you call in and have them verify the autopayments.

wait it out. USAA has a company named Agero that said they do all the dispatching for USAA. Multiple all day frantic phone calls has depleted me and left me feeling abandoned. My auto service dept had placed my car on special detail due to the serious nature of the problem.

I strongly recommend everyone reading this with USAA auto insurance review their auto policy immediately. Unbeknownst to me, USAA had modified my coverage during the most recent renewal. They removed my uninsured motorist coverage, but kept the price the same.

Got in a car accident May 6th (not at fault) and it is now July 2nd. NOTHING has been done with my vehicle because USAA cannot send an adjuster. Removed me from the rental car and now my job is at risk.

I had executed an Electronic Delivery Consent agreement which required USAA to deliver all notices electronically. Nonetheless, when they decided to cancel my coverage, they elected only to send a notice in the mail, which I never received. I ended having a car accident about two weeks after my insurance had lapsed and suffered about $25K of uninsured damages. Despite the fact that I have a copy of the Electronic Delivery Consent agreement and showed them the specific language (the requirement to deliver the notice electronically), they claimed it was against their policy to do so because New York State Law requires that a notice be sent via USPS. I am suing them!

Someone who had auto insurance through USAA totalled my car. USAA stole my car, saying they were taking it to a "local facility to be inspected" when instead they took it to an auction house outside of my county. Before towing the car, they said it was not totalled and was going to be looked at. And yet, hours before the tow truck came, I received notification by email that they had declared my car totalled. I called them before the tow truck came to ask about this email declaring my car totalled, and they told me that the email was a mistake, to disregard it, and that they were just taking it to be inspected. They then tried to fine me for not removing my license plate. They also tried to fine me for "storage" of my car at this auction place. They gave me an incredibly low offer for my car, so low that I am not able to buy a new car without taking out a loan.

I was struck by another car in a parking lot. I filed, the other driver didn't. His company said he wasn't covered. USAA had my car repaired and took action against the other driver. Eventually the other company paid, I was absolved of all expense and fault. The adjuster could not have been more knowledgeable, professional, and friendly. A real pleasure to deal with. Thank you.

USAA SUCKS!! As 30 yr, $7,000/yr premium USAA auto insurance customers, we don’t feel at all represented by USAA in recent auto accident & it’s Not the first time. Thankfully there weren’t any real injuries, thus the reason Los Angeles police refused to respond after being called by both drivers. Unfortunately lone Hispanic driver in 16 yr old truck is claiming some injuries now and has lawyered up accordingly. Can’t imagine what would happen to us if there were any REAL injuries. USAA representation is lazy and lacking, unacceptable when we need them most.

Well, it's been 6 weeks since the auto claim was filed with USAA.. And as of today, not one thing has been fixed on my car since USAA is still going back & forth with Lee's garage an authorized and very experienced MB auto shop. Other insurance companies send their adjuster/estimator right to the auto shop to evaluate the damage & estimate in person and approve THAT DAY... USAA has chosen to drag this out week after week negotiating very basic routine items on the estimate... This is beyond frustrating and you have turned a happy 23 yr USAA customer into one very disappointed and will never recommend USAA again...

I have been a member of USAA since 1973. They were once a good company which seemed to care about their members, but no longer. Now their only focus is how much money they can wring out of their members and how little they can pay on claims. Their latest trick seems to be to fail to send a bill and then charge late fees. I'm sure that adds up to a lot of money for the company. I strongly recommend that you look elsewhere for insurance and banking!

When I signed up about 1 yr ago my premium was set at $146 per month. My cars were 2018 & a 2019. Today I find out that my premium jumped to $157. (Great time for this with Biden's gas prices & high inflation!) So I called & they told me I lost a "New Car Discount"! Well those cars were not new last year & no one ever said my premium would jump less than a year later. I should have read reviews before I signed up! They say they're for Veterans but to me they like sticking it to Veterans!

I have zero faith or trust in USAA taking care of me as a customer. I was in an auto accident that was caused by the other party's drive shaft coming off on the highway in front of me. I took pictures of the party's truck along with a picture showing that his drive shaft was missing and had my passenger as a witness of what happened. USAA took this matter and did an arbitration with the other party's insurance. The outcome was that the other party was not at fault. I requested documentation regarding the arbitration and was told "The decision is considered work product and we are unable to release this documentation." How can I trust that USAA has my back if they will not release this info to me? VEHICLE CLAIM **

After being hit by a member of USAA insurance. My experience with them has been the worst!! Especially being a Vet (at one time last year I considered switching from State Farm to USAA). I'm glad I didn't. 1st the claim representative tried to tell me (my truck) was drivable (all the while I was informing them it wasn't) ... this was their way of trying not to cover a rental. Once they did finally approve the rental - they tried to put me in a compact (even after informing them I use my truck for work).

Auto Insurance through USAA costs 4 times as much or more than for example AllState with the exact same coverages. USAA touts itself as catering to the Military Only but in actual fact they are RIPPING off military members. In actual fact USAA has ZERO offerings that are fair priced. Stay far away from this company.

As a 52 year CUSTOMER (legitimately there are NO members!), my first 25 years ranged from excellent to good. After that period of time, customer service, pricing, employee credibility and product offering deteriorated to a barely acceptable level, at best, and made USAA indistinguishable from the other big insurance companies. It is my firm belief USAA in the past 20 years has operated solely for the betterment and welfare of its upper management. The primary corporate focus is the ever increasing of the customer base to increase management bonuses and salary levels. USAA has truly has lost its original purpose, focus and direction it had in its early years. Too bad. I remember what it was when I joined in 1970. Would I recommend USAA to those "eligible", absolutely not!

This insurance company is for military community. It is very expensive insurance! I saved over $2000.00 a year switching to Allstate. That is a lot of overcharging the military community. Top 3 most expensive insurance that I found.

USAA requires you to send in 3 forms every time your policy renews for Michigan in order to not pay pip. Problem is they charge for it anyway every time just hoping you don’t notice. Then you have to spend hours on the phone with them to get it fixed only for them to tell you they can’t refund the overage you have already paid. I’m done with this garbage company that preys on military. They should be shut down.

My personal experience with USAA is a complete nightmare. I moved out of Virginia due to military and the DMV in Virginia didn't see I had insurance with USAA. The Virginia DMV suspended my driver's license and I didn't notice, until my insurance rates went up. My premium went up to 600 dollars from 400. That was about a year later. Now they took away my good driver's discount and they won't lower the premium back down to 400 every 6 months. My driver's record shows I have a suspension. Thanks a ton USAA for screwing up my driver's record and don't admit. Don't waste your time with USAA, when you need them the most, they turn a blind eye and give you a nightmare.

USAA should not be in roadside assistance if they really don't want to take it seriously as a business offering. I called 10/17 to join. I would have gone with AAA because you know you can really count on them to sign you up on the spot and take care of you. But since I have several insurance policies with USAA, I asked them to have roadside assistance added to my policy.

I know several people that use USAA and none of them, including me, have good comments about them. But just recently is the straw that broke the camel's back. I applied for term life insurance, got quoted $21 or so. Went through all of their hoops and **, they come back and say “hey, you have chronic pain, so we will have to charge you $45 per month instead of the $21.” I was confused, because 99% of Veterans have chronic pain so it leads me to believe that they don’t approve very many Veterans for affordable life insurance. I had a feeling they were going to do that, from what I read, but I wanted to get some coverage for my family.

Never have I had a worse overall experience with a company than I have with USAA. One of my top 10 worst experiences of my life, including deaths in the family, was when we got a mortgage through USAA. Back when we were a customer, their inability to process mortgage loan effectively cost us money due to a hard close.

Went up 400.00 more for a 6 month Premium despite no Accidents or Tickets. You ARE NOT helping Veterans so please Spare me with the sales pitch! Been with you for decades, Time to switch to a MUCH wallet-friendly Policy.

What they tell you over the phone and what they do in reality is totally different. Had Vehicle Insurance and one of their Credit cards. Have since last year lost over $2800.00 in extra fees and higher adjustments they added to our accounts since we opened the programs. I believe they call this a Bait and then Switch style of getting you to join and then raising prices and fees so fast that you can not recover fast enough to get out faster. Avoid or shop around.

Do not believe the commercials. This is the type of Insurance company to annually raise rates but in your time of need make minimal efforts during a claim . Absolutely a more expensive choice with a less than caring staff that will allow weeks to pass without a follow up on your claim and will have you taking things into your own hands (I.e. calling shops, making arrangements). TBT I had to take my car from the shop it was towed to after almost two weeks of phone tag with USAA. My car was not even looked at because a third party was unable to come take pictures within that timeframe. Instead of waiting any longer I had the car towed and fixed at another shop and paid CASH! And my rate from USAA went up. Will not be paying.

USAA panders to the military and veteran communities with flag waving and clever proclamations of “serving” when in fact it serves only its own interests. Despite my great driving record and no losses on the account, USAA just raised my auto insurance rate by 20%. In a 90-minute conversation with three agents, I was served three different reasons. It turned out that the agents were making the reasons up on the spot.

Have an RV that had a roof in perfect condition. Storm caused damage which additionally caused water damage. USAA adjuster lied and said it was due to wear so they wouldn't have to pay anything... Avoid USAA at all costs!

USAA allowed my abusive ex to cancel my insurance policy in violation of the law. He cancelled all of my policies after I reported him for domestic violence and strangulation. I got in an accident the next day and USAA refused to cover the claim.

Some drunk driver hit my son at a red light so hard it lifted up my 3500 lbs. 350 van. After it took them over a week to accept liability (even though driver was given sobriety test put in hand cuffs then hauled away) they didnt send out an adjuster. I had to get pictures taken of damage (which was over 5 grand) then sent a quote for 3 grand claiming some damage was done prior to accident (it wasnt). Then when I try to go thru shop they go thru I'm told I can't get estimate from them because USAA already sent out estimate so I would have to change estimate app to drop off for repairs instead.

I have tried three times over the past few years and every time I complete all the info, including my USARMY service number the site states that I am not eligible for insurance. This is frustrating that a Vietnam Vet again is snubbed for his service. I will never try again that's for sure.

Then after the call decided to cal USAA maybe I might get a rep who’s like the old USAA reps that care and will try to help u and believe u. In doing so I got lucky not only they were able to remove the accidents on my record they were able to see that it wasn’t me at all if the lady took only 2 to 5 minutes extra I would have never been in a $226 a month Policy. Unreal they verified it was my ex husband on both accidents and his mistress no I was never involved there it was right it my file why the lady didn’t care to look is beyond me. All I can say just keep trying to call if ur not happy are someone isn’t acting like the old USAA just keep trying because there’s good reps there u just have to keep trying. Thanks for fixing my problem my rate is perfect for my auto and renters. $187 awesome

Filed a claim with USAA 4 weeks ago for hitting a deer. vehicle is not drivable as the antlers took out several internal parts. USAA asked for photos. we sent those in. We received an email stating someone would contact us in 2 business days. They never happened. I called USAA and asked for an update. They said it would be 2 business days. That was 2 weeks now and just again they stated 2 business days. They blame COVID. I have no idea how COVID affects the ability to look at pictures, but I guess that is what all companies are going to blame poor performance on now. It has been almost 4 weeks now. No movement at all. Will not renew service from them in the future and I hope no one else makes the mistake of using them.

I have had USAA auto insurance for several years. I have had myself and my son covered. I've never had an accident or needed their assistance so I've never had an issue. Recently my son got pulled over, he didn't have proof of insurance. He went to court and the court provided a very specific letter they required to submit to prove his insurance. I have reached out to USAA no less than 8 times trying to get this letter. All I get is a basic email that the courts won't accept. I've been promised a call back from a supervisor and this never happened either. If you don't need anything, they are fine. But if you need help or run into any issues, they will not help you at all. I am beyond frustrated with USAA and will be switching to a new insurance company.

I’ve been with USAA for 25 or so years and am slowly taking my business elsewhere. Several examples of how they’ve gone downhill but the latest is that they lost the title to a car I recently paid off. Navy Federal is the place to be and their rates are better.

I have been an auto insurance customer of USAA for over 38 years. I have only had 2 comprehensive claims in that time, the first over 20 years ago and the most recent and ongoing began on May 23 of this year. My car and I were victims of malicious felony vandalism. My car was shot with a gun through the engine. Evidently USAA has NO tow service or claims dept service on the weekends at all. They sent my car to Caliber Collision in Knoxville, TN. TWICE. I live in Virginia and after the second repair managed to drive home. A few days later my car stopped dead again in the middle of the highway. That was 8 days ago. They towed it to Caliber Collision in Sterling, VA, 8 days ago. I am on my third rental, however the USAA allowance for a rental car has run out and now I am expected to pay out of pocket while I wait for the incompetence of the claim department to continue. I was told that Caliber was going to pay for continued rental, we shall see.

Be prepared to lose money like they "lose" the automatic payment they pulled out of your account. I would not trust these people with your Money or livelihood. With the 100% computer based system of customer service, you can expect to be hung up on, disconnected, ignored, and made to feel insufferably inferior. Product: USAA Insurance Car Insurance.

USAA auto insurance is a waste of money, and frankly, a scam. I was in a serious car accident four years ago. It took USAA one week to reimburse me for all damages to my vehicle and to determine that I was not at fault in the crash. HOWEVER, they STILL have not paid out on the injury claims related to the accident and I carried a 250K PIP policy with them. All premiums were paid on time every month.

I have had USAA for 7 years. I have term life, auto and home with them. Obviously the term life does not change but what I just received from USAA for my auto policy renewal was absolutely staggering. I will start off by saying that I have NEVER had any issues with their customer service. In my opinion I have been guided and treated great while with them. My auto premium was between 530-690 for 3 years on 3 vehicles. Actually the first year I had the auto it was 530 then slowly crept upwards from there. I understand rates fluctuate so I really did not question it. I even got a 120.00 discount during the whole Covid fiasco due to less drivers being on the road. When my renewal arrived June 21 of this year it was for 1295.00 for 6 months. I had to wipe my eyes, clean off my sunglasses and get a 2nd opinion of what I was reading and sure enough 1295.00. DOUBLED. I have 0 tickets, accidents, claims, NOTHING....0 and it doubled.

USAA is as great as they say... until there is a claim. I've been with USAA for 42-years starting out as a young Army officer. And, I've had only 2 claims in that period of time; both comprehensive and non-collision. Never had a wreck. USAA is great when you're moving about the world, but once you are settled in a community you need an in-person agent to deal with, and that's what you don't have with USAA. I have never met anyone with USAA except by phone, email or FEDEX. The first claim was 20 years ago, the second and last claim was over a month ago. In both cases, it took nearly a month for USAA to get back with me, and even took me making calls to check on claim progress to get a response. Worse, USAA contracts with third-party servicers to handle much of the claims process, and the red tape is excessive. The third-party has me running around getting notarized signatures, finding a long-misplaced title to a car.

My car was hit by someone with USAA insurance. My car was totaled and when I agreed to the settlement they gave 3 additional days where they'd pay for the rental car. When I received the paperwork from USAA for the settlement the next day, my name was misspelled. Since it requires a notary - I was unable to sign it with the misspelling. I was depending on the settlement for the down payment on a replacement car and I thought the least they could do for a delay due to their clerical error was to extend the car rental out a few extra days.

Hope you never have to call in and deal with these guys with their automated system or the poor customer service. I'm in sales at a large Ford dealership and was trying to get proof of insurance on one of their clients. Sat on hold for 20 minutes, to wind up being told that she was sending me proof of insurance via email. Had to provide her with several pertinent personal information items about him of course. Never asked for the customer to get on the phone to verify anything. 30 minutes later after I have not received proof and have sent the customer on his way, I called back in to be told by a woman that she can't send proof without him getting on the phone to verify something. World is full of idiots.

I have been a USAA member for over 35 years, and have seen ever increasing problems with USAA automation, can't get logged in, system won't recognize login, system won't send security codes for some action but will for others.... Now I have "Clinton" in tech support on the line who is making excuses and telling me he has to research a problem for an incident ticket I submitted over two weeks ago. Turns out "Clinton" does not have the access to USAA's web to fix the problem.... Now waiting for someone else.... Bottom line: Stay away from USAA.

My husband was the Army man so he got us auto insurance through USAA then he passed away last September. I got a letter from USAA a couple of weeks ago saying they cancelled our policy because he passed away??? WHAT THE HELL. I HAVE A CLEAN RECORD. DONT GET USAA INS. YOU CAN'T TRUST THEM.

This isn't our first run around with USAA over the last 40 years of coverage, with high premiums but it's the worst to date. We filed a claim for roof damage last fall. The initial inspector said there was hail damage on the pergola, which was within a year old but not on the roof because it had been repaired though this is incorrect as it was a new roof when we purchased the house and we have not had it repaired. He also approved interior damage which is strange if there's no roof damage. Later they sent a second inspector who said we had heat damage even tho our shingle roof is less than 10 years old and USAA denied the claim again because that's not covered. The third company they chose for an "independent" inspection sent 5 inspectors. Their result said we had footprints on our roof, heat damage and hail damage but not significant enough and it would just buff out on its own.

My father died December 2020. He had policies with USAA. I have been trying since then to cancel these policies. Each employee I speak with gives different instructions. I have sent documents and they lose them. They say they can't cancel because the notary stamp on the document isn't raised enough. They do not know how to work their phone system - someone called and left her name and extension number. I could not return the call because the telephone system would not allow an extension number. I spoke with an employee, she didn't know what extension numbers were. I have had to report them to the Maryland Insurance Administration and if they send my Dad's account to collections, I will have to hire a lawyer.

When this issue was escalated above the offending agent and leadership at USAA made aware of the bad faith aspects of the issue, they immediately put a stop to it. Honesty compels me to note that there is ambiguity in this particular claim and USAA would not be faulted for engaging in a resolution process. The bad faith conduct, however, was stopped and, unsurprisingly, once removed, facilitated an amicable understanding. Appreciate what the leadership did.

WORST INSURANCE COMPANY TO DEAL WITH EVER!!! I got hit by their driver on January 25, 2020. It is now March 25, 2020 and my vehicle is still sitting at the shop awaiting approval to be fixed. My car has a custom wrap on it and they sent me to Caliber Collision to get an estimate to fix. NOTE: Caliber Collision DOES NOT handle custom wraps. Caliber quoted me to fix my damages and PAINT my vehicle and advised that I would still need to take it elsewhere to have the custom wrap taken care of. USAA then in turn cut me a check (that I have not cashed) for Calibers estimate which did not include the cost of my custom wrap. I have been doing all the back end work including now having to pay for a rental that they stopped paying for because of the initial and incorrect estimate provided by their preferred shop Caliber Collision.

I, like many of my fellow Texans, filed a Home Insurance claim following the February Winter Storm that devastated millions across Texas. Due to the recent winter storm, along with a devastating hail storm the year prior, my roof has significant hail damage and has been leaking for over a month now. USAA assigns an adjuster to my home who takes 3 weeks to arrive. When the guy shows up, he doesn't have a ladder, is afraid of heights and doesn't even know it's a roof claim. I call USAA and they tell me they must get a report from the guy before they can do anything. After calling my contractor up who has a ladder I convince my adjuster to go up there with him and take photos my contractor has marked with chalk, he spends 3 minutes on the roof and then quickly comes back down and takes off.

14 years ago USAA was the best, hands down. My liability only policy doubled over the years even though we've not had a ticket or accident in over 20 years. I was informed by USAA that rates are no longer based off of your driving record, it is based on other drivers who have the same car as you that USAA had to pay a claim on. As of today, I had to switch to another insurance company that offered me a full coverage policy with a $0 deductible for a lower rate than what I was paying for liability only through USAA.

My car was towed to executive Auto repair on December 18th. The motor was blown and the job was only supposed to take one to two weeks. The owner never got the car back to me until January 12th. Day after day after day he had every excuse. He said Toyota parts were not in. I checked with numerous Toyota parts departments at dealerships and they had no issue with any delivery of hearts. I called 911 to claim that it was stolen because I never saw it in the garage. Cops didn't care. USAA insurance would not do anything. The man lied and lied and lied.

I paid for a rider on my insurance that is supposed to pay me 20% of the value of my car in the event it is determined a total loss. My car was determined a total loss over 1 month ago. I have spent over 20 hours on the phone with representatives - all of whom stated they would call me back and get answers as to why I have not been paid. I need the money to purchase another car, and they only paid for a rental car for 1 month, so I have been paying for my own rental car for 2 weeks outside of their limitations. And I still don't have any answers as to why they have not paid me and there are NO NOTATIONS in the computer system about my multiple calls or the situation at hand! I am livid! I would never recommend these people to anyone for car insurance, or otherwise! Incompetent and rude. I am disgusted and disappointed.

I am a 42 year member of USAA Insurance, and a 36 year customer of USAA Savings Bank. USAA's customer service used to be 100% above any competition, but in the last 3 years USAA has grown too large, resulting in customer service degrading significantly.

I had an auto claim where the appraiser from USAA took a week to look at the car at the mechanic shop, then wrote an inaccurate appraisal (he put knuckle bushing which is a $50 piece vs a knuckle which is about $300) and it took another week to get the correct piece approved so the mechanic could start work. So it took 2 weeks total to even start while my car just sat there. Because of this, I went beyond my allowed time for the rental car and had to pay out of pocket for the extra time. USAA said they would not reimburse me even though the delay was their fault. So potentially, USAA could sit on your claim as long as they want and they don't care how that affects your rental car coverage. Poor service - very disappointed.

I've been a USAA member for 15 years, and USAA is NOT the company it used to be! They have cut corners to save money (mostly in who they hire), and sadly, it shows. I was hit by a drunk driver while stopped in a turn lane waiting for a light. He briefly stumbled out of his car, caught his bearings, then took off. Fortunately no one was hurt, but the other driver didn't stop and they didn't catch up with him until later. I wasn't too worried about it at first, but later was concerned as USAA eventually assigned me at fault, citing that the damage was on the front end of my vehicle, and since he executed a hit-and-run, there was no way to prove he was intoxicated.

I finally got help on this but still not thrilled with the experience.

Automated system horrendously terrible. The company will not answer the phone you can spend hours trying to contact them. Worst setup I've ever seen of any company in the entire United States. If you've had an accident, if you're injured if you're stranded, doesn't matter. They will not answer. They don't give a damn and they will not change it knowing the system is unreachable. How would you like to spend 4 hours trying to set up towing service and then having to fight to have the proper charges put onto your account. The company is just something's going to start over there. They're an embarrassment.

I have 3 cars with 3 drivers (1 kid). USAA quoted $694 a month while State Tarm quoted me $364 a month. This apple to apple coverage. Don't go to USAA. I asked an explanation but they could give me an answer.

We had damage to our roof. 2 adjusters came out. 1st one said we were responsible for the repairs. 2nd one reported no damage and a 3x5 slab of roofing was on the ground the next day. We called again and after a very long pass around, the agent had the audacity to say "Well, maybe it's your neighbor's roof." We paid out of pocket. They were rude at best. Motor broke on the driver window. Called to get it fixed...not covered. Advised we wanted full glass after paying out of pocket again. Was told ok. Called on windshield replacement and was told 500$ deductible. I was furious. When I said I would not pay it they said too bad. I spoke with satellite and was told the glass didn't even cost that much. 200 less. I called them and 2 agents told me in TX IT IS NOT OFFERED. Blatant lie. I called them on it and they finally admitted USAA does not. TX does! Don't go with them. They RIP off our beloved VETS.

I have been with USAA for several decades and they are the worst company I have ever dealt with. I am finally leaving their auto insurance division. I left their credit card services years ago for the same reason: total incompetence. And don't be fooled by their catchy but annoying advertisement song. This company does not care and this is my experience after years of being with them. They used to be smaller but have grown and no longer offer quality service, to say the least. Save yourself hours and hours of headache and frustration and steer far clear of them. I cannot express how awful they truly are. If I could give negative stars I would; they don't deserve even one.

USAA required 10 minutes from the time of my breakdown until the time of arrival for their roadside assistant to be on-site and resolved my problem within 30 minutes. IF YOU NEED MORE THAN THAT it is a hoax.

1. If your car is involved in an accident, make sure you choose the place for repairs. Best option for first choice is the repair facility from a dealership for your make of vehicle. If the insurance company makes the first choice then you’re giving them the right to choose the facility for future repairs. By making that first choice yourself, you keep the power of choice to go anywhere you want for future repairs. In my case, I allowed the insurance company (USAA) for the person who hit my car to make the first choice. They sent my car to an autobody repair facility for body, engine, axle repairs. The autobody facility never could properly fix engine/axle parts. I lost my right to take it elsewhere.

I locked my car accidentally while engine was running and set my heater on high. I called a USAA Roadside assistance customer service and robot assistance was super slow and talked too much before I got to talk to the representative, with another 20 mins talking to representative for documentations, plus 5 mins wait for the document to send to the road side assistance, and another 60 minutes waiting for a person to unlock my car. Totally, I waited almost 2 hours for my car to unlock, to be honest I tracked my time. Waste of money to pay for Roadside assistance. I couldn't have just break my window and get in the car and pay for my window to fix later.

USAA overall is fantastic. Their Roadside Assistance is outsourced to another company, Ajeero, and it's not very good, unfortunately. They took about 3 hours to get to me when my car needed to be towed. The issue seems to be their techs are based in one city, and if you're in a suburb it takes them forever to get to you

USAA Roadside Assist has Great customer service. The company they contract with keeps you informed the whole time via text. The contracted garages are always prompt. I wish that the telephone hold was not so long.

While I won't get into the whole story, I'll abridge my history and what happened. I'm a very careful driver. I don't drive too slow, but I don't drive fast, either. I follow the laws of the road, enough so that I even have annoyed loved ones with how they drive and have bad habits with certain things, such as braking at the last minute for a light or not using a turn signal at all. I'm constantly scanning the road for potential dangers. This may sound rather paranoid, but I was taught that it's better to think everyone else will do the unexpected than to think everyone will do what they're supposed to. This isn't a perfect world, after all.

Serve your COUNTRY! Get in one accident and they throw you in the GUTTER! I would never let a service member go to this trash Democrat Company. It's so SAD and Worse than OBAMA and BIDEN.... Criminals!!!!

I understand that USAA was not fully responsible for these delays and I appreciate that they were willing to make amends under the circumstances.

My husband first signed up with USAA in 1949. I became a member upon our marriage. My two sons also went on our policy when they began driving in the 1970's, and when we adopted a daughter, she too was on our policy. It is now 70 years later and I am still driving and still more than satisfied with USAA's service.

USAA is a RACIST establishment!!! THANKS CARRIE **!!! USAA is a RACIST establishment even if you're a Vet or know someone who is a Vet, or they don't care about the people they hire. STAY AWAY!!!! CARRIE ** (KAREN) should not be allowed to do anything that deals with customers. They lie repeatedly to cover up their mistakes. When we live in a world where everything can be pulled back up. I have a recording of Carrie ** (Karen) and how I was talked to and belittled when your member was at fault. I will be tagging what I was able to record on every social media platform as USAA does not care about minority CARRIE **'S wonderful customer service. YES CARRIE YOU KNOW YOU DROPPED THE BALL AND MESSED UP AND THEN YOU WANT TO BE RUDE AND NASTY!!! Thanks USAA about only caring about non minorities! Wonderful what some minorities have done and fought for this country!!!

I have been with USAA for 25+ years. They denied a claim without even letting me explain what happened. I tried calling over 15 times without a call back. I emailed the executive office and Mr. Peacock with no response. I filed a BBB complaint and was called by one of the managers with whom I left 3 messages for. She was pissed that she forced to call me back. She told me my claim was denied. I asked how they could deny A claim without getting my side of what happened. She said she was going to listen to my phone conversations as I called over and over again trying to find a fair objective person. I believe it's in retaliation because of a recent settlement from them.

Been with USAA since 2007, had a few minors along the way, mostly vandalism, ppl keying and etc, storms causing a limb to fall and break the windshield. Hurricane Micheal destroyed our pool, and damaged our sheds and roof, their adjuster short changed us, ending up having to pay out 8000 out of pocket. Recently while shopping at Walmart, we found someone damaged our vehicle, I noticed a rock lodge in the gap between the glass and hood, and seen a crack about 8 inches, not knowing much about it we arrived home, as soon as we started to unload the car we seen damages on the passenger rear panel and bumper, no paint on vehicle or scuffs just a long dent and deep scratches.

Usaa has always been fabulous from their timeliness to their amazing customer service. Their auto insurance is affordable and easy to file a claim with. We’ve had to file a claim a few times over the last decade and have always been impressed with their service.

After 8 years of auto/home with them, I was shopping around for other auto insurance. I found out from those companies when comparing prices I had an auto claim. I said no, I haven’t had a claim since 2005 and that was when someone hit me at a stop light. I was told I had a “zero payout” claim in 2018. I had called USAA to ask about coverage when I hit a very large pothole and worried about damage to my undercarriage. Fortunately, just got a new tire and paid for an alignment and had no issues. Thought nothing of it until Allstate, Geico, etc told me about this “claim”. I opened a complaint with the state department of insurance and the USAA response was inaccurate (dates) and they didn’t address the fact they also documented this claim as “multiple car”. I called several times before opening the complaint, too. Stay away from USAA, horrible customer service.

Good Insurance, has been there when I had a claim. Helps its customers out while Covid 19 is attack our Americans. They do help when renewing policy time comes along with discounts with premiums, when eligible. They listen to me, and discuss, when needed.

Prices are very competitive. You get a quick response on the phone from people who really know how to speak ENGLISH. We were able to get coverage for both cars and our home with ease and huge discount. I would recommend this company to anyone who qualifies.

We have been a loyal USAA member for more than 35 years; we bank with USAA. All our home, rental insurance and auto insurance are with USAA. Our retirement investments are with USAA. We felt very good about USAA; that is until this time. We filed an auto claim. First USAA stated they absolutely needed pictures from dealer service center. But when the pictures were ready, the field appraiser simply refused to receive the pictures, without pictures and within 20 minutes the claim was denied.

Unfortunately, we were hit by a vehicle with USAA. Got their information. Pictures of the scene. Pictures of the vehicle. When we made the claim, USAA told us the individuals weren't in the state and refused to see any of the evidence. Because we didn't have their insurance, they left us in the cold. Be careful if dealing with them or considering them.

I've been with USAA for over 12 years straight, no accidents and here is my first experience with them. So we're moving from San Antonio to Jacksonville NC for a PCS move, about 4 hours into our trip we're hit by a semi truck and he decides to keep on going after he hit us. We of course called the state troopers to report the hit and run, the trooper puts together all the information and we call USAA while we're sitting on the side of the road with the trooper. They're asking us a ton of questions which is no big deal, mind you that we were also towing my wife's car on a trailer when all of this happened which is important to know. We tell USAA that we're in the middle of a PCS move and about the hit and run, how it went down and all. I tell them my wife's car is on a trailer and when they schedule a tow truck it needs to be equipped to pick up the trailer as well as tow my truck which is totally messed up.

I recently had occasion to file my first (and hopefully last) accident claim with USAA. It was a comprehensive claim resulting from damage to my vehicle due to rocks coming from a dump truck ahead of me on an Interstate highway. I have front and rear dashcams, so there was no doubt that I was not at fault. I was about four seconds behind the truck (not tailgating), and there was nothing I could have done to prevent the truck from dropping rocks.

This company is not really about insurance, but about mass marketing. Poor service once you sign up, and will do anything to keep from paying any claim. Expect to be assaulted by marketing, by email, phone, and regular mail...Run don't walk away from this company if you expect them to treat you as a human.

The insurance cost is 5x what I could get another policy for locally... We only stuck with it as it minimized bill pay and combining our car, house, credit card etc directly with our bank. Let me put it this way... We are charged and have almost $500,000 insured on our home alone (paid 27,000 for the whole house) but forcibly insured for 125k+ of valuables.. Just sayin if I paid 27k for a house there isn’t anything close to 100k inside! Car insurance keeps increasing yet we’ve gotten older (late 30’s) no tickets or accidents.. Took over an HOUR on the phone to have a person removed from our car insurance we didn’t even add..

My significant other (for which I am also on his auto policy) has had his auto insurance policy with USAA for years and only called to update our physical address and they couldn't change it because he didn't know when he initially started driving, he only knew it was in his lower 30s for which was over 20+ years ago. They expected him to contact the DMV in NJ (where he hasn't lived in over 15 years) to get that information when they have had access to his driving records since he first got his policy with them almost 10 years ago. But that really wasn't the main issue, the Customer Service Rep was so rude and unprofessional and couldn't explain why they needed this information at this point and not when he first got his policy. USAA is a great bank but their insurance department sucks.

They have gone DOWNHILL in service. I used them years ago and they were professional and responsive. They are now almost impossible to deal with, incompetent, and unprofessional and you can't easily get a hold of anyone to speak with and you can't speak to a supervisor. They mess up policies and then it's difficult to get it fixed. They are no better than the generic ones like Geico. So bad and I'm so disappointed in their service. Don't use if you don't have to!

As a retired USAA employee I really expected better customer service. While working there we always heard about bad reviews our company received but thought these were isolated incidents. I have since found the customer service and ability to service members is very sub par. I will be seeking other insurance companies for my families auto and homeowners insurance (4 autos and 2 homes). They take incompetence to a new level. In these trying times, members should not have to be dealing with things that should be taken care of by a company that claims “they are here to serve” those that have served.

I was hit head on at no fault by an out of state USAA insurer crossing our ongoing traffic flow on October 7th 2018. This resulted in not only totaling my brand new Mercedes, but significant head damage smashing my head and breaking my windshield. I have spent more than 6 months in rehab for severe head trauma until all my medical benefits ran out! I lost all my income and am still battling to settle with this unreputable firm! Now due to COVID-19 I have no hope of taking them to court anytime in the near future. They simply ignore every request from my attorney, and even after conducting a ZOOM deposition meeting with their attorney.

I have had two claims since I have been with USAA and neither were no fault. USAA is the worst insurance company I have ever worked with. I agree with the scam reviews as this has been as far from my experience as imaginable. They lie, they cheat, the left hand has no idea what the right hand is doing and it's been complete chaos. I had a claim with Geico, they picked up my car, dropped off a rental and I never did anything except let them know what happened. USAA has had me running around for weeks and has never taken ownership. BTW, they are in no way associated with the VA or the US Military, that is nothing more than a marketing ploy. I have known many who are using USAA with Zero military background. I thought being a vet counted for something but the whole thing is a ruse.

I had a car accident recently. It was not my fault. It was the other driver's fault. She bought her auto insurance from USAA. So I claimed the accident with USAA. They didn't contact the other driver for this accident in two weeks. Even though they assigned this claim to a specific guy (adjuster), it was very hard to contact this guy. They never answered my email messages. Every time a different adjuster answered my call and everyone gave me a different story. They promised they would pay the rental car. But finally, they refused to pay the rental car and enforced me to pay the rental car. Their service was pure garbage and it was a nightmare to deal with USAA!!!!

USAA in 2008. When married to an officer they were an outstanding franchise. Today suffering from PTSD. This bank has is disrespected me. Requesting to speak to supervisor deny permission to speak to supervisor. Demands case number when case number wasn't even involved. Altogether they do not care about their customer service or satisfaction unless you're on their upper echelon list. If you're not an officer they don't care about you if you are an enlisted. After they started life insurance they have provoked every act of duty soldier member enlisted.

Horrible insurance company. I’ve paid them thousands of dollars over 20 years and when I have a claim on the med pay or on the collision they don’t want to pay any of my medical bills or my passenger's medical bills. Have to argue all the time with them. Call customer service or no help. Tired of giving them thousands of dollars a year for 20 years. Every year they seem to get worse and more expensive.

USAA claims to serve those who serve (and their families), but they only serve their own interest. I am a retired (service disabled) Marine with over 20 years of active service in two war conflicts. I have been with USAA for decades and have paid into my auto policies over the year amounting to hundreds of thousands of dollars. I have a clean and excellent driving record with only minor incidents like cracked windshield or hit by a tree.

They talk about members being family, revering veterans and their service, being a partner. Lies. My wife and I are veterans, our fathers are veterans, our son is active duty. All they care about is profits - don't be fooled by their marketing campaigns. Have the unfortunate luck to be in two accidents in a year, with one not your fault, and they cancel your Insurance - even when it is against the law to do so during the Pandemic. Then, they try to cover themselves and commit fraud by sending you a form to sign stating you asked for your policy to be cancelled. Don't be a sucker - find another reputable company and do your homework. You can find insurance at a lower cost.

Thinking about USAA? We have been dealing with them for years and they give us the peace of mind knowing we have insurance, but why do we have insurance, because we have to (not too much choice), and we expect to have the insurance do what is should, pay claims to everyone's mutual and hopefully, agreeable end. Have had the insurance to over 20 years, they helped with a property damage claim and a vehicle claim and it all went well. Now we have another vehicle claim, (someone broke out the back window of the car). Immediately USAA responded, but they put me in charge of gathering the information because they don't have an adjuster that will look at the car. The dealership wants to put the car BACK into "dealership quality", but USAA wants to use parts from the junkyard because they are cheaper. I'm sure there is somewhere that says they have every right to do so, but really?

This happened a few years ago when we lived in VA. We'd been USAA members for 30+ years and the only auto claim we had filed with them was for a broken windshield. My wife was rear-ended by another USAA member. USAA did fine at paying her medical expenses and at the obvious repairs to the car. However, things went downhill from there. When I got the car back, I started down the road and the Check Engine light came on. I drove to where I could pull over and called USAA. We got a tow truck to take the car back to the repair shop. Apparently in that short time, the engine burned up because the engine problem was a blocked oil tube. USAA told me there was NO WAY it could have been caused by the accident. I finally got the adjuster to admit that the ONLY way it could have been caused by the accident was if there was sludge in the engine and the accident knocked it free and then that sludge got sucked into the oil pipe.

I had this insurance for 3.5 years. I even had 2 credit cards and a bank account open with them. It's a good thing I didn't refinance my car through them. Because when it finally came time to file an insurance claim when my car was hit overnight in a parking lot, I was accused of trying to scam them. They denied my claim, then they closed my bank account and cancelled both of my credit cards and said that if I tried to get a lawyer they would pursue me criminally. I had an independent inspector come out from the state and they said that USAA was known for this type of shady deal. I hope they get exposed and go out of business for this type of shady business.

I had a claim filed with USAA. We were both USAA members, so it should have been a walk in the park. USAA wanted the rentacar back, before they ever paid me to get another one. They totaled out my car for a bumper, because they did not want to pay to replace it. It has taken a ridiculous amount of time to get paid. They also put five day holds on money orders or treasurer's checks over a hundred dollars. I am getting more and more disgusted with USAA, and I am going to start searching for another insurance company.

USAA is the worst insurance company! I have been a loyal customer of theirs for 33 years (since 1987). This is the 2nd time I needed them and they have let me down each time. I pay a lot for my coverage and I maintain a $500 deductible on my insurance. Hurricane Isaias hit yesterday and brought down trees and destroyed my fence. They conveniently let me know today that wind damage does not have a $500 deductible, but 1% of the total policy, which is roughly $8,000.00. What a crock and a scam. They let me down during Hurricane Irene as well when there was flooding in my basement and they wouldn't pay because the flooding came from rain water and not from a busted pipe. Don't ever use USAA.

USAA may not be the cheapest priced insurance, but you get what you pay for. I prefer to pay a few extra dollars for the greatest customer service experience ever. They have the experience part for the customer in mind with every transaction. I Have, at times, considered switching to a cheaper insurance, but when I hear of the customer service experience at the cheaper, I am reassured that USAA is right for my needs.

I get a great discount combining car insurance with, checking, savings, and renter's ins. I left another ins company when that one had no one to report a theft to after 5 pm and then it was a third party. USAA uses their own employees to process claims which I, unfortunately, had to use 2 weeks after starting car ins. when a drunk driver hit me. The USAA rep was very easy to deal with. Their preferred auto repair shop was very easy to deal with. Everything was repaired and done 3 days after the crash.

USAA insurance coverage covers everything you need. When I was in an accident, they sent funds before repairs were even made. The service is fast and quick. Customer service is excellent. You can depend on USAA in good times or bad. The Website and mobile app is easy to use as well. I would not want to be with any other car insurance company. And they support Veterans and their families.

This company puts its customers ahead of profits. With no shareholders, USAA puts its value on the service that it delivers to its customers, through better rates and discounts for bundled services. It also has a military exclusivity to it.

There is no comparison when it comes to customer service. Their rates can not be beat. They have a ton of different products and services and would recommend them to anyone who meets their eligibility.

The customer service is open 24/7-365. They can e-mail you a claim form at any hour. Their service is the best, and they have the lowest rates of any major co. I had an accident once but waited a week after making the claim, they went ahead and sent me a check. Their discounts to their members on all kinds of services really adds up to some fantastic savings. Their claim service is the best I have ever used. I would not think of using another insurance co. If I ever had a problem I would want USAA behind my back, their support and service is second to none.

USAA is hands down the best insurance provider. I have yet to have a bad customer service interaction. They have always come in clutch in an accident. Plus great discounts not only for the insurance, but helping in car shopping! Love this company!

Any time we need to call, we're met with caring, friendly people who either know the answers or can direct us without 15 transfers followed by a disconnect. Can't beat the cost and USAA has awesome service. We had a wear and tear incident a while back, we called to see if it would be covered, were told no and accepted that. Two weeks later, we received a letter saying the contract had been reviewed and it would be covered, all on their own initiative. Also, we save money because USAA "only sells us what we need!"

I was hit by a swerving pickup truck as I was STOPPED at a stop sign. The Police report confirmed this with a diagram and pictures. Also my phone interview [before the police report] was the same as the report. Made no difference; The company refused to pay for the considerable damage to my car. This is just plain corruption.

USAA has been the very best car and housing insurance company I have ever used in my 50+ years of driving, I am now 76 years old. True, this company mainly insures Military people, both active, inactive or disabled, which in and by itself, has turned out to be an excellent idea. The customer service representatives are knowledgeable, kind, courteous, respectful and work very hard to satisfy your needs or claims.

They need to shorten their customer service wait time. Other than that, I am satisfied with their coverage, rates, ease of their website and overall service.

I've had USAA, at different times throughout my life, and have had it for 7 or 8 years straight now. I broke my back in a car accident, an off duty cop pit maneuvered me, and my car hit a wall, during evening rush hour, rolling over 4 times, and his friends issued me a reckless driving ticket. I sent USAA pictures of the damage, gave them my statement about what really happened, before I beat the ticket in court, they sent me my $100k uninsured motorist coverage. I never even asked for it, though they knew I practiced personal injury law for over 30 years.

I have been with USAA since 1991, I have only made two claims. One for my daughter who got into an accident and one for me when I lost a windshield to a rock on the interstate. Each time the claims were handled with little action by me. I was pleased at the outcome and payoff for the claims. My only concern is, I wish insurance rates were lower and offered better opportunities for discounts.