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In an in-depth study, our review team rated USAA Insurance 4.6 out of 5.0 stars and named it the best for the military.
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Brogan is a senior writer based in Central Oregon. He produces in-depth automotive product guides on topics ranging from car warranties and insurance to tips on selling your car.
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Designed for military personnel and their families, USAA stands out for its low rates, discount opportunities and excellent customer service. Our research on the best car insurance companies includes collecting quotes from leading providers, scouring hundreds of online reviews and mystery shopping to learn more about customer experiences. Based on 1,950 hours of research and 8,500 data points, USAA receives a high overall rating of 4.6 out of 5.0 stars from our review team.
If you qualify for USAA insurance, take a closer look at the provider’s coverage options, average costs, and reviews to help you determine if the company’s auto policy is right for you. When shopping for car insurance, we recommend getting free quotes from multiple providers so you can compare coverage and rates.
Our goal is to provide car owners with the well-researched information they need to make informed decisions about insuring their vehicle. Our editorial team consists of experienced automotive researchers, writers and editors who adhere to strict guidelines to ensure our articles are objective and fact-checked.
To compile our product reviews and rankings, our team continuously evaluates over 40 car insurance companies to compare costs, coverage, affordability and customer service. Because cost is the bottom line for most insurance shoppers, we use data from Quadrant Information Services to compare thousands of insurance quotes. We’ve also surveyed 8,000 car insurance customers to find out what’s most important to drivers when buying a policy. Finally, we look at the company’s technology offering in terms of mobile app functionality and usage-based insurance programs.
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We rate USAA 4.6 out of 5.0 stars and call it the best in the military. Its comprehensive auto insurance coverage, nationwide availability, positive USAA Insurance reviews and high satisfaction ratings from J.D. Power makes it a smart choice for the United States military.
When evaluating car insurance providers, we consider the state of the industry, availability, coverage, costs and discounts, customer service and technology. Our overall USVA rating is based on a company’s performance in these six areas. Here’s more information on those criteria and how USAA fared on each.
Years in business and financial strength are key elements of our industry rankings. USAA was founded in 1922 and has an A++ financial strength rating from AM Best, the highest grade awarded by the organization. We give the company 4.8 out of 5.0 stars in this category, well above the average of 3.8.
When we rate an auto insurance provider in this category, we take into account how many states it serves, the overall size of the business, and any service exclusions. This is one area where we rate USAA significantly lower than its competitors. This is for the simple reason that USAA policies are only available to active duty military members, veterans and their families. With that in mind, we give the company 3.5 out of 5.0 stars for affordability.
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In addition to standard auto coverage options, USAA also offers rental car reimbursement, carpool insurance, accident forgiveness and new car replacement. The company also offers a usage-based SafePilot® program that can save drivers up to 30 percent through safe driving habits.
Our team conducted an extensive auto insurance survey of 388 USAA customers in August 2022. These respondents rated the company 3.9 out of 5.0 stars, which was the average rating among the 15 companies surveyed.
All things considered, we give USAA a solid 4.7-star coverage. That’s well above our average coverage rating of 3.5.
The cheapest car insurance companies have a hard time matching USAA when it comes to cost. The company’s average rates for both minimum liability and full coverage car insurance are significantly lower than other leading companies. For this review, we used cost estimates from Quadrant Information Services that covered a variety of states, ages, and driving records. Given USAA’s low rates and wide selection of discounts, we give the company a perfect 5.0 star rating in the cost category.
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We give USAA a strong 4.6 stars out of 5.0 for customer service. In our auto insurance survey, respondents with USAA policies gave the provider 4.3 out of 5.0 stars for overall customer satisfaction. It ranked third among 15 companies. We also considered USAA’s performance in several J.D. Power insurance studies, including one on satisfaction with car claims. Although the carrier is not officially ranked in these studies due to its eligibility restrictions, USAA scored near the top in every study we reviewed.
Availability of online quotes, mobile app reviews, and usage-based app ratings are some of the things we consider when evaluating a car insurer in the technology category. USAA offers quality deals here, which is why we give the company 4.7 stars out of 5.0. The SafePilot app has good ratings in both the App Store and Google Play, as does the main USAA app.
Company name: United Services Automobile Association (USA) Headquarters: San Antonio, Texas Founded: 1922 Availability: 50 states Members served: More than 12.8 million Market share: 92 percent in 2022 according to National Association of Insurance Commissioners (NAIC) AM best financial position strength rating: A++ (higher) BBB rating: not rated. Eligibility: Available only to US military members, veterans and their families
Pros USAA offers affordable average car insurance rates and many discounts It’s a good choice for military service members thanks to military discounts and resources The company has a Superior AM Best financial strength rating. You can buy a USAA policy in all 50 states.
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Cons USAA has strict eligibility requirements and is only available to military personnel and their families The company is not currently BBB rated
Comparing 1.5 million rate estimates across the industry, we found that USAA offers full coverage car insurance for around $1,368 per year, or $114 per month. That’s much cheaper than the national average of $2,106 a year or $176 a month. Here’s how USAA compares to other popular carriers in terms of cost:
*Note. Unless otherwise stated, the calculations are for full coverage auto insurance and reflect the profile of a 40-year-old driver with a clean driving record and good credit.
If you want the cheapest option available, you’ll want to get the minimum coverage allowed in your state. Our calculations show that USAA pays about $440 a year, or an average of $37 a month, for minimum coverage. That’s slightly cheaper than the national average of $823 a year or $69 a month.
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Below you can see how USAA’s monthly costs compare to the national average for different types of drivers. In general, USAA tends to be cheap for drivers with multiple violations on their records.
Your age has a big impact on what you pay for car insurance. Below you can see how the rate calculations change depending on the age of the driver.
We’ve compared US car insurance quotes based on a 40-year-old driver with a good driving record and good credit. Below you can see how USAA compares to the average cost per state. Overall, USAA is cheaper than average in most states.
The price of insurance is different for each individual. USAA uses the following information to determine your insurance premium:
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One way policyholders can save on USAA auto insurance is by qualifying for discounts. USAA offers many, which are detailed in the table below. Significant discounts include a 60 percent discount for storing an insured car while on deployment, for example, and a 15 percent discount for parking a vehicle in a garage on a military base.
Save money based on the number of miles you drive each year. This discount is only available to drivers over 19 years of age.
You can pay for your USAA insurance policy using a checking account, savings account, or credit card. You can even link your bank account to an automatic payment policy for which you will receive a discount.
Payments can be made by calling 1-855-430-8489, through the USAA website, through the USAA mobile app, or by sending a check or money order to the following address:
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USAA offers all types of standard car insurance, meaning you can get anything from your state’s minimum to full coverage with high limits. However, coverage is only offered to those who are or have been members of the military. Here are the main types of car insurance:
USAA members can also receive a variety of additional products and services, from roadside assistance to windshield coverage. Here’s a closer look:
This extra coverage gives you peace of mind if something goes wrong while you’re driving. Services include towing, lockout services, speed bumps, flat tires and gas
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