USAA Car Insurance Review for 2022

USAA outperforms the competition with low rates and high customer satisfaction, claims to handle, and loyalty scores.

The Advantages and Disadvantages of USAA

Pros

National average rates at their lowest

Outstanding customer service ratings

Scores for effective claims handling

Cons

Only current or former military members and their immediate family members are eligible.

Is USAA Automobile Insurance a Good Deal?

Yes, USAA car insurance is a good option for members of USAA. At $875 per year, USAA offers the lowest average rates of the auto insurance companies we compared and ranks first in our Best Insurance survey. Additionally, they have the lowest rates for nearly every driver demographic group, except those with a prior DUI conviction.

Not only did rates play a role in USAA’s ascension to the top spot in our survey. Additionally, they received the highest marks in each of the subcategories we evaluated, including customer service, claims handling, and customer loyalty.

While USAA auto insurance has low rates and a high rating in consumer surveys, not all drivers qualify for coverage. To purchase insurance through USAA, you must be a member of the organization, which is limited to active and retired military personnel and their families.

If you’re looking for inexpensive car insurance but are not a member of USAA, you might consider Geico or State Farm. They are ranked second and third in the world for the lowest rates, respectively.

Customer Service at USAA

USAA ranks first in our survey of the Best Insurers for Customer Service. Only slightly more than 80% of their customers express complete satisfaction with their customer service. Additionally, 9% of respondents express some satisfaction with their auto insurance customer service.

USAA’s superior customer service scores put them well ahead of the other insurers we compared. State Farm auto insurance claims a runner-up spot, with 71% of customers expressing complete satisfaction with their customer service. That is still a respectable score, but it is down nine points from USAA’s.

USAA Claims Processing

USAA continues to earn high marks for claim handling, earning them another first-place finish in our survey. Around 81 percent of survey respondents report that filing a claim with USAA is extremely simple, and 74 percent are completely satisfied with the way their claim was resolved. Additionally, USAA customers express general satisfaction with claims-related communications, with 71% expressing complete satisfaction with the updates they received during the claims handling process.

While USAA continues to earn the highest marks in this category, it’s worth noting that Nationwide isn’t far behind. Nationwide customers, on average, are completely satisfied with their claims experience, providing USAA with some healthy competition.

Customer Loyalty Program at USAA

USAA’s high levels of customer satisfaction pave the way for similarly high levels of customer loyalty. Just over 76% of survey respondents indicated that they are “very likely” to renew their policy with USAA, while 15% indicated that they are “likely” to renew. USAA’s customer-first approach earns it high marks in our category of Most Likely to Recommend. 86 percent of respondents indicated that they would recommend USAA to other drivers shopping for car insurance.

Other insurers, such as State Farm, American Family, and Geico, earn high marks for customer loyalty, but they all fall short of USAA when it comes to complete customer satisfaction.

Complaints Against the USAA

Every auto insurance company, including USAA, receives at least some complaints. Despite USAA’s consistently high ratings for customer service and claims handling, some customers expressed concern about declining service or ineffective communication.

  • “Very polite, but there is always an issue or misunderstanding”
  • “Customer service was adequate, but managers failed to return calls and communicate effectively.”
  • “CS at USAA is simply not what it once was”
  • “[Customer service] is typically excellent, but COVID has made it more difficult.”

How Much Does USAA Auto Insurance Cost?

In our study, USAA has the lowest rates. The average driver will pay approximately $875 per year, which is 34% less than the national average. Additionally, USAA offers the lowest rates for a variety of our driver demographics, including teen drivers, senior drivers, drivers with poor credit, and drivers with a speeding violation or accident on their record. However, drivers with a DUI may find slightly lower rates with State Farm.

Keep in mind that rates vary and are subject to change based on your driving history, zip code, vehicle, credit history, and age. If you’re considering USAA insurance, you should request a free rate quote and compare it to other top performers in our study, such as Geico, State Farm, and Travelers.

Teen Drivers’ USAA Insurance Rates

USAAs young driver insurance prices are much lower than the national average, with drivers in this category paying between 40% and 43% less than the national average. Drivers who are not USAA members may also get low insurance rates through Geico or State Farm.

USAA had the lowest rates for young adult drivers in our study, around 30% lower than the national average. While USAA offers the best prices, Geico offers rates that are comparable for this category of drivers.

USAA’s senior driver rates are the lowest in our survey, coming in at 34% to 36% less than the national average. Additionally, they are 25% to 27% cheaper than Geico’s prices for this category of drivers.

USAA’s premiums for low-credit drivers are 28% less expensive than the national average. Drivers who are not qualified for USAA may still get affordable insurance via Geico or Nationwide.

Good drivers who qualify for USAA membership may qualify for premiums roughly 34% less than the national average. Drivers who are not USAA members may choose to get estimates from Geico and State Farm.

When a speeding ticket is added in, USAA’s premiums rise by around 20%, although they remain about 35% cheaper than the national average. Drivers who are not USAA members may choose to try State Farm, which offers the second-lowest rates in this category.

USAAs accident-related mortality rates are about 35% lower than the national average. State Farm, which comes second in this area, provides reasonable rates as well, however, they are 15% more than those offered by USAA.

While USAA offers lower rates in every other category, drivers with a DUI may get a better deal with State Farm. USAA’s rates, however, remain 21% cheaper than the national average.

USAA’s high or complete coverage costs 33% less than the national average. Geico and State Farm may also provide low prices for drivers who need a high level of coverage.

When drivers pick USAA for their minimal coverage, they may save 34%. They provide rates that are 34% less than the national average, while Geico, State Farm, and Travelers all offer prices that are less than the national average.

Discounts on USAA Automobile Insurance

Drivers who purchase USAA insurance may qualify for a variety of popular discounts, including multi-policy discounts, student driver discounts, and safe driver discounts.

In comparison to the other insurers in our analysis, USAA offered fewer discounts. For example, USAA does not give discounts for automobiles equipped with anti-theft or anti-lock braking systems, or for paperless invoicing. That is not to say, however, that consumers are not pleased.

On average, 62% of USAA customers expressed total satisfaction with the savings available. This is much more than the rates charged by the other insurers we compared.

Bear in mind that state-by-state reductions may apply. To determine if you qualify for any of the savings listed below, talk with a USAA representative.

Discount for safe drivers: Available to drivers who have a clean driving record for at least five years.

Discount for USAA SafePilot users: 10% discount for drivers who utilize the USAA SafePilot app.

Bundling/Multi-Vehicle discount: Drivers who insure two or more cars with USAA qualify for a discount.

Savings based on membership length: Discounts for drivers who renew their USAA vehicle insurance.

New Vehicle: Available to drivers who insure a vehicle that is less than three years old.

Discount for defensive driving: Available to drivers who complete an authorized driver skills course.

Annual Mileage Discount: Discount depending on annual mileage.

Discount for family members: 10% discount is offered to drivers who purchase a policy when their parents have USAA vehicle insurance.

Driver Training Discount: Drivers who finish a basic training course qualify for this discount.

Discounts for student drivers who maintain a minimum grade point average.

Vehicle storage discount: Up to 60% off when storing a covered vehicle.

Discount for Military Installations: 15% off comprehensive coverage is provided to drivers who park their car on post.

What Types of Automobile Insurance Does USAA Provide?

USAA provides both standard plans like a comprehensive, accident, and liability insurance, as well as other forms of coverage that may be purchased alone or as an add-on to existing USAA policies. By establishing a USAA membership account or login into an existing USAA membership account, you may get a free rate quotation for insurance products, including those listed below.

  • Liability
  • Comprehensive
  • Collision
  • Automobilists who are uninsured or underinsured
  • Protection against personal harm
  • Benefits that are extended
  • Assistance on the roadside
  • compensation for rental costs
  • Forgiveness of errors
  • Insurance coverage for rideshare drivers (in most states)

Other Products and Services Offered by USAA

  • Consumers and current members may access the website.
  • Auto, house, and other forms of coverage quotes are provided for free.
  • Membership portal for ID cards, billing, and other administrative functions.
  • Mobile application for policy administration, payment processing, and more.
  • Online claim submission
  • Products and services offered by banks
  • Services in investment management, wealth management, and financial planning
  • Assistance at the Roadside
  • USAA’s SafePilot program teaches safe driving techniques.

Additional Insurance Provided by USAA

  • Insurance coverage for homeowners
  • Insurance coverage for renters
  • Insurance coverage for motorcycles
  • Insurance coverage for ATVs
  • Insurance for RVs and motorhomes
  • Insurance for antique and vintage automobiles
  • Insurance policy for boats
  • Insurance coverage for personal watercraft
  • Aeronautical insurance
  • Insurance coverage for condominiums
  • Insurance coverage for mobile homes
  • Agricultural and ranch insurance
  • Insurance coverage for landlords
  • Mobile phone security
  • Insurance provided under an umbrella policy
  • Insurance coverage for collectibles
  • Insurance against floods
  • Insurance for small businesses
  • Insurance on life
  • Insurance coverage for health
  • Insurance for dental care
  • Insurance for the eyes
  • Insurance coverage for accidental injury
  • Plans under Medicare
  • Insurance for animals
  • Insurance coverage for travel
  • Insurance coverage for unique events

FAQ

Where can I get USAA automobile insurance?

Members of USAA or other qualified customers may obtain vehicle insurance by visiting the USAA website and initiating the free quotation procedure. You may also purchase insurance by calling USAA.

How does USAA stack up against other auto insurance providers?

USAA is the clear winner in our vehicle insurance survey. Their average rates are cheaper than those of any competition, and they also score #1 in every performance category, including customer service, customer loyalty, and claims management.

Who should get USAA automobile insurance?

Drivers who are USAA members might consider purchasing USAA auto insurance. To join USAA, you must be a current or former military member, or the spouse or child of a military member.

What is the best way to contact USAA?

  • Website: www.usaa.com
  • Mailing address: 9800 Fredericksburg Road, San Antonio, TX 78288
  • Customer service phone number: 210-531-USAA or 800-531-USAA
  • Customer service email address: USAA Secure Message Center (must have a USAA login).
  • Twitter: @USAA

How We Discovered the Best Automobile Insurance Companies

At US News, our mission is to assist individuals in making life’s critical choices. Since 1983, our college rankings have established the standard for educational rankings. Our rankings in other sectors, including healthcare, government, and the automobile industry, assist individuals and thought leaders in making life-enhancing decisions. With our Best Car Insurance Rankings, we’re continuing to provide you with the knowledge you need to make the best life decisions.

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We questioned 4,806 individuals who had made a vehicle insurance claim or purchased a new auto insurance policy in the previous five years, inquiring about their car insurance firm. 252 respondents made a claim with USAA, and 141 initiated a policy with the company. These questions addressed satisfaction with the simplicity of submitting a claim, with customer service, with communication about claim status, with claim settlement, and with overall value. In general, customers who had made a claim were given more weight than those who had merely opened a policy. Additionally, we inquired if they would suggest a firm and whether they intended to renew their coverage. We utilized their replies to create our best car insurance company rankings, as well as sub rankings for the best customer service, claims management, and client loyalty, as well as this business profile.

Our Study’s Results

To get comparative insurance prices for this research, US News partnered with Quadrant Information Services to examine a report on insurance rates in all 50 states from the majority of the leading national auto insurance firms, albeit not all businesses operate in every state. Quadrant gathered publicly accessible data on automobile insurance rates that insurers publish with state regulators. Our research rates are based on profiles of male and female drivers between the ages of 25 and 35, as well as 60. The 2015 Honda Civic, the 2015 Toyota RAV4, and the 2015 Ford F-150 were utilized, with yearly mileage ranging between 6,000 and 12,000. Three levels of auto insurance coverage were employed, as well as three credit tiers: good, fair, and bad. Additionally, clean driving histories and records with one accident, one speeding infraction, and one DUI were utilized to calculate specific driver archetypes.

We calculated the typical rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year, have moderate coverage, decent credit, and a clean driving record. The prices shown are for comparison purposes only and should not be regarded as “average” rates offered by particular insurers. Because auto insurance prices are determined on an individual basis, your rates may vary from those shown here.

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