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USAA car insurance review Oct 2020

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Enjoy stellar customer support plus coverage tailored for military members.

TrustPilot Reviews: 1.4 / 5.0 (528 reviews)'s rating: 5 / 5


  • Get a quote if you want the best rates and customer service.
  • Pick something else if you’re not affiliated with the military.
  • Veterans and military members can make the best use of perks.


Roadside assistance

New car protection

Accident forgiveness


States served All 50 states
Roadside assistance Optional
Accident forgiveness Yes
New car protection No
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone
Rideshare coverage Yes
SR-22 support Yes


  • Save when you bundle your home and car insurance
  • Driver & vehicle discounts
  • 24/7 claims service through USAA’s free mobile app
  • Membership savings
  • Get dividends from company profits
  • Flexible premium payments


  • Limited to current and former members of the US military and their families only
  • Online only support
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes, up to 10%
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount Yes
Usage-based discount Yes

Expert review

Jing Jun Ma

Review by

Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.

Expert review

Military members and their families can get some of the lowest rates and best customer service in the industry. And you don’t have to be in the military, though you do have to be related to someone who has a connection. Customers praise its cheap rates and great claims support, and USAA consistently tops the charts for customer satisfaction.

However, the list of drivers who will qualify is small, and while online account management is great, the online quoting process is lengthy. If you do qualify, it could be worth the extra time to get a quote and potentially save hundreds of dollars a year.

Best of 2020
Finder experts pick USAA as a 2020 best brand for car insurance.

Who qualifies for USAA car insurance?

You don’t need to be in the military to qualify for USAA car insurance, but you will need a connection with the military. Basically, you can qualify if you have ever been in the military or military training, or if your parent or spouse has ever had USAA car insurance. You can qualify if you meet one of these criteria.

  • Current US military members. People who are currently serving in the Air Force, Army, Coast Guard, Marines, National Guard, Navy or Reserves.
  • Veterans. People who have retired or left the military with an honorable discharge.
  • Spouses. People whose spouses had USAA car or property insurance while married. Also applies to former spouses who were widowed or divorced and not remarried.
  • Family of military members. Current spouses and people whose parents have ever had USAA auto or property insurance.
  • Military students. Cadets at US academies, students in advanced ROTC or on ROTC scholarship and officer candidates within 2 years of commissioning.

USAA monthly car insurance quotes

18 year old man$91$98
18 year old woman$79$94
25 year old man$41$65
25 year old woman$43$64
35 year old man$30$38
35 year old woman$31$39
45 year old man$29$37
45 year old woman$35$38
56 year old man$34$33
56 year old woman$34$34
Ready to get insured?
Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members.

Need help? Talk to a customer specialist


How to apply for USAA car insurance

In order to enroll in USAA auto insurance, you’ll first need to be a member of the institution.

  1. Start by determining your eligibility for a USAA membership.
  2. Once you’ve joined USAA, log in and follow the steps to set up your online account.
  3. After you’ve logged in and set up online access, enter your details and get a free customized quote.
  4. Read through the full details of your quote and then sign up to get coverage that can start today.

What info do I need to apply?

You’ll enter basic contact information about yourself, and you’ll need some personal information about whichever member of your family was in the military, including their Social Security number.

  • Your birthdate, contact info and Social Security number (SSN)
  • Information about you or your family member’s military service, such as a military number or SSN
  • Your passport or permanent resident card if you’re not a US citizen

Does USAA have insurance agents?

USAA doesn’t sell insurance through local agents, but some specialty products like motorcycle or commercial auto insurance are sold through third-party companies. If you don’t live near a branch location, you can contact a representative by phone at 800-292-8045.

USAA insurance locations

USAA only has four branch locations nationwide. If you’re near one of these locations, you could meet with a representative about your insurance or financial needs. Contact or visit a location at:

LocationPhone numberAddress
Annapolis, Maryland1-410-919-9197125 Prince George St
Annapolis, MD 21401
Colorado Springs, Colorado1-719-244-90411855 Telstar Drive
Colorado Springs, CO 80920
Highland Falls, New York1-845-839-7021529 Main Street
Highland Falls, NY 10928
San Antonio, Texas1-210-301-994710750 McDermott Fwy
San Antonio, TX 78288

What car insurance coverage does USAA offer?

Choosing the right car insurance provider also means finding a policy that works for your situation. USAA offers a range of coverage options to get you the protection you need.

  • Bodily injury liability. This protects you if you injure someone with your car, but it doesn’t cover damage to you or your car.
  • Collision coverage. Pays for damage to your car when your car hits or is hit by another car.
  • Comprehensive coverage. Covers you for damages other than a collision, like vandalism, weather or theft.
  • Emergency roadside service. Helps if you break down and you need roadside repairs.
  • Personal injury protection coverage. Pays for the medical expenses of an injured driver and passengers in your car.
  • Property damage liability. Protects you if your car damages someone else’s property.
  • Rental reimbursement. Covers the cost of a rental car while yours is being repaired.
  • SR-22. A certificate of insurance for users who’ve have DUI convictions or are caught driving uninsured.
  • Temporary or nonowner insurance. Temporary liability coverage for rented or borrowed vehicles used stateside, including for personal leave or temporary military assignment.
  • Uninsured motorist coverage. Covers you for damages and injuries caused by an uninsured driver.

What extra benefits and add-ons does USAA offer?

USAA offers additional programs and features to supplement its car insurance coverage:

  • Car buying support. USAA’s Overseas Vehicle Purchase Program helps military members get a car if they’re stationed overseas for more than 30 days, with car purchase discounts and delivery to duty stations.
  • Manage your account online. When you can’t get to an agent in person, USAA’s convenient online tool makes it easy to file an claim, pay bills, request ID cards and more.
  • Member rewards. Once you become a USAA member, you can earn membership rewards and discounts, similar to a AAA membership. You don’t have to sign up for USAA car insurance to receive these rewards.
  • Pay based on your schedule. If your paydays don’t fall on a typical schedule, which is common with military pay schedules, you can set up premium payments based on when you get paid.

What discounts can I get with USAA?

USAA understands the unique needs of military members and their families and offers all the standard discounts plus several rare discounts you won’t find elsewhere.

  • Accident forgiveness. After five years of no accidents, your premium won’t go up after one at-fault accident.
  • Bundling. Get an auto insurance policy to save 10% off your USAA homeowners or renters insurance.
  • Defensive driving. Improve your driving skills and reduce your premiums by taking an approved course.
  • Driver training. Drivers under the age of 21 can get better rates upon completion of a basic driver training course.
  • Family loyalty discount. If you’re under 25 and moving to your own policy with USAA after being on your parents for at least 3 years, you could save up to 10%.
  • Good student. You can receive discounted rates for maintaining good grades as a student.
  • Length of membership savings. Save more money on your policy based on how long you stay with this provider.
  • Low mileage discount. If you’re deployed and don’t use your car much, you’ll save based on your annual mileage.
  • Military installation discount. Save up to 15% on comprehensive coverage when you store your vehicle on a military base.
  • Multivehicle. Receive a discount when you extend your coverage to two or more vehicles.
  • New vehicle. Reduced premiums on vehicles that are less than three years old.
  • Safe driver. Receive a discount for maintaining a clean driving record for three years.
  • Vehicle storage. Save 60% on your insurance when you securely store your car for periods of nonuse.

    How does USAA bundling work?

    USAA offers standard options for bundling car and property insurance together. But taking advantage can turn into savings magic, whittling 10% off your total premiums. You can bundle these policies with car insurance to save:

    • Life
    • Annuities
    • Umbrella
    • Small business
    • Rental property or landlord
    • Dental or vision
    • Medicare

    Pros and cons of USAA car insurance


    • Long list of discounts. Get discounts for safe drivers, good students, safe cars and more.
    • 24/7 claims service. Report or check on your claim through USAA’s free mobile app.
    • Membership savings. Enjoy extra discounts for being a USAA member.
    • Flexible payments. Pay premiums yearly, monthly or on your military pay schedule.


    • Limited membership. USAA is only available to current and former members of the US military and their families.

    Compare USAA to other companies

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    All 50 states
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    All 50 states
    Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
    Liberty Mutual
    All 50 states
    Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
    All states except AK, DE, HI, MT, NH, VT, WY
    Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
    AZ, CA, IL, NJ, OR, PA, VA, WA
    Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.

    Compare up to 4 providers

    Alternatives to USAA

    Who has better insurance than USAA?

    USAA car insurance reviews and complaints

    Of the many financial institutions that offer auto insurance and other financial services to members of the military, USAA is one of the highest rated. This company repeatedly gets high scores for customer service and online experience with its focus on quality customer support and an easy online process through its app and website.

    USAA is one of the highest ranking auto insurance providers according to J.D. Power and a handful of other online resources. But not all of the reviews are positive.

    Reviews on Trustpilot seem to be slightly more negative, but the majority of these complaints address concerns with mortgages and other financial products, not car insurance. USAA is also not accredited with the Better Business Bureau as of October 2020 and holds a B+ rating for not responding to customer complaints.

    Most USAA auto insurance customers seem very satisfied with the service. After browsing multiple forums for any downsides to this provider, the general consensus was that customers seem to be very happy with the prices, claims and customer service that this provider offers. Even comparison sites like NerdWallet and WalletHub agree that anyone who can qualify for USAA should get a quote because of its top notch customer service and cheap rates.

    USAA user reviews

    1.4 / 5.0 (528 reviews)
    • Got removed from a joint bank account without my acknowledgment or signature. Do not recommend...
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    • Been with USAA over 32 years using almost every product. They have gone downhill so...
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    • I disputed some charges from a private merchant that had me pay him with Zell...
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    • We had our garage broken into and about $1,000 worth of stuff stolen from us...
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    • A pipe burst in the ceiling of the home I am renting. I told USAA...
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    • Hurricane hit my property in Pensacola. Roof needs to be replaced plus additional $6000 in...
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    USAA customer reviews

    USAA review: Adrienne’s experience

    profile pic

    Adrienne Fuller

    Head of Publishing

    I’ve been a USAA member for more than 10 years, having held renters, personal property and auto insurance policies. USAA representatives are always friendly and available with little or no wait times when I call, though customer service is not open late.

    I brought my policy to a friend who runs a local insurance agency to see if I could get a better deal. He told me, “Don’t bother — I won’t be able to get you this coverage for a better price.”

    I’ve gotten two mortgage preapprovals through USAA, but didn’t end up using them because the rates weren’t as low as going through a broker.

    At least as far as insurance goes, I fall into their tagline: It’s safe to say that I’ll be a USAA member for life.

    USAA review: Roslyn’s experience

    profile pic

    Roslyn McKenna

    Insurance Publisher

    I applied for a quote with USAA when my policy was up for renewal. The quote process to become a member is quite lengthy, so be prepared with info on your military connection, such as a Social Security Number and details about your or your family member’s service. Also note that your family member will get an email or call to notify them that you’ve set up a membership.

    After going through the entire process and getting a car insurance quote, unfortunately the rates I was quoted were roughly 30% higher than my current policy. I know USAA is well known for having the best service, but I decided to stick with Geico because I like the online account management and cheap rates.

    However, now that I’m a member, I can use my USAA membership to get other insurance quotes and get discounts unrelated to car insurance.

    Frequently asked questions about USAA car insurance

    Car insurance ratings

    ★★★★★ — Excellent

    ★★★★★ — Good

    ★★★★★ — Average

    ★★★★★ — Subpar

    ★★★★★ — Poor

    We analyze the best car insurance providers and rate them one to five stars based on factors that are most important to you.

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    1. Default Gravatar
      July 20, 2018

      Hi, I would like to know the rules for a 15-year-old drivers get using my vehicle to learn how to drive, I am insured with usaa and we all live in the same household

      • Avatarfinder Customer Care
        July 23, 2018

        Hi Kristin!

        Thanks for your message!

        The rules for a 15-year old looking to learn how to drive depends on the state you live in.

        As for the state of Florida, the Florida Department of Highway Safety and Motor Vehicles (DHSMV) has implemented a graduated driver licensing (GDL) law. The program requires all teen drivers to achieve certain milestones prior to obtaining a driver’s license. Many of these milestones are based on age and experience.

        For driver’s under the age of 18, must complete the following stages of the Florida GDL program:

        Learner’s permit – starts at age 15
        Intermediate driver’s license/provisional license – 16 to 17 years old.
        Full privilege driver’s license – 18 years old.

        For more information, you can contact DHSMV.

        Hope this helps!


    2. Default Gravatar
      December 11, 2017

      I am currently looking for a short term (temporary) insurance for our truck when we come into the USA, our coverage that we have now, does not allow for short term. Thank you

      • Avatarfinder Customer Care
        December 12, 2017

        Hi Janet,

        Thanks for reaching out to us. I hope all is well with you today.

        Kindly go to this page for a list of short-term car insurance options. We have a panel on the said page wherein you may enter the zip code in your area so you would be able to view the list.

        Please take time in reviewing the relevant information as well as the Product Disclosure Statements / Terms & Conditions of each option before making a decision on which one would suit your needs.

        I hope this helps.

        Warm regards,

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