USAA Auto Insurance Review for 2024 (Rates & Coverage Options)

This USAA auto insurance review highlights the top benefits of USAA, including its low starting rates of just $22/month and its outstanding customer satisfaction ratings. With a claims satisfaction score of 90%, USAA stands out for its efficient claims process.

Nevertheless, while USAA provides competitive rates and excellent service, this can only be taken advantage of by military personnel and their families, restricting its availability.

The company’s online tools and resources benefit tech-savvy drivers who prefer managing their policies digitally. Clients ought to be aware of the constrained range of coverage choices available to higher-risk drivers.

USAA Auto Insurance Rating

Rating Criteria
Overall Score	4.8
Business Reviews	4.5
Claim Processing	5.0
Company Reputation	5.0
Coverage Availability	5.0
Coverage Value	4.7
Customer Satisfaction	4.7
Digital Experience	5.0
Discounts Available	5.0
Insurance Cost	4.7
Plan Personalization	5.0
Policy Options	4.7
Savings Potential	4.7

USAA is an excellent choice for military families seeking reliable auto insurance, but it’s always wise to compare multiple quotes to find the best fit for your needs. See if you’re getting the best deal on car insurance by entering your ZIP code above.

Essential Information About USAA

The USAA is recognized for its commitment to providing support to families and service members. It is reasonably priced and has many features that are specially tailored to meet the unique requirements of military people. Discover our comprehensive guide to “What is auto insurance?” for additional insights.

USAA Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

At an average monthly fee of only $59, USAA’s competitive price is evident, especially when accounted for in with the potential savings of up to 30% through the SafePilot program, which rewards safe driving behaviors.

USAA Auto Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 17 Male	Age: 17 Female	Age: 25 Male	Age: 25 Female	Age: 35 Male	Age: 35 Female	Age: 60 Male	Age: 60 Female
	$670	$620	$243	$240	$212	$212	$200	$200
	$620	$580	$221	$217	$200	$198	$185	$185
	$753	$730	$221	$218	$200	$200	$198	$198
	$453	$410	$170	$153	$149	$149	$130	$130
	$774	$730	$242	$238	$200	$200	$198	$198
	$472	$450	$153	$150	$133	$133	$120	$120
	$664	$630	$197	$190	$176	$176	$150	$150
	$469	$440	$193	$190	$166	$166	$130	$130
	$416	$400	$153	$150	$141	$141	$120	$120
	$375	$355	$146	$145	$125	$125	$105	$105

USAA provides a range of coverage alternatives to service personnel and their families at the lowest prices. It is regarded as one of the top auto insurance suppliers for veterans and the armed forces because of this.

USAA returning an additional $280M to members, bringing total to $800M. Members will automatically receive a credit to their auto and property insurance account. There is no need to call and no additional action is required. Learn more at https://t.co/bsVE9jEOAw pic.twitter.com/15nLJW0TuO

— USAA (@USAA) May 1, 2020

Regarding J.D. customer satisfaction, USAA likewise scores highly in strength and stability of finances via A.M. Best. Because USAA will support them in times of need, drivers who have insurance with the firm can feel comfortable.

USAA Auto Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$160	$188	$225	$270
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206
	$59	$67	$78	$108

Only military personnel and their families are eligible for coverage, offered in all 50 states, including Washington, D.C. USAA, which also provides insurance for homeowners, renters, boats, RVs, and motorcycles in addition to auto insurance.

Some drivers can also fully take advantage of life and health insurance, auto loans, and investment possibilities with USAA. This company is also a great choice for military personnel since it offers many coverage options, excellent ratings, and reasonable rates that offer peace of mind and financial stability.

USAA Insurance Coverage Options

USAA offers many car insurance coverages and other insurance products. Since USAA provides many products, drivers may find the company meets all their needs. For further details, check out our in-depth “What are the recommended auto insurance coverage levels?” article.

USAA Auto Insurance Coverage Options

Because of USAA’s all-inclusive approach to auto insurance, drivers can combine their policy with a number of benefits and services, such as reimbursement for roadside assistance and rental car costs.

Additionally, USAA offers options for policy suspension during deployments and savings for car storage, which can significantly reduce insurance costs for service personnel deployed far from home. The demands of military people and their families might be taken into consideration when customizing these options.

Other USAA coverages and products include:

• Homeowners
• Renters
• Life
• Pet
• Auto loans

USAA rates are typically lower than those of other insurance companies, so using the company for multiple needs saves money.

Rate Stability and Predictions

USAA’s rates are noted for their stability, which is a significant consideration given the potential fluctuations in the insurance market. Explore our detailed analysis on “How to Evaluate Auto Insurance Quotes” for additional information.

USAA Insurance Business Ratings & Consumer Reviews

Agency
	Score: 882 / 1,000 Above Avg. Satisfaction
	Score: A++ Excellent Business Practices
	Score: 96/100 High Customer Satisfaction
	Score: 1.74 More Complaints Than Avg.
	Score: A++ Superior Financial Strength

While nominal rate increases might occur, USAA’s history of careful rate adjustments suggests that any changes would be moderate and aligned with industry standards, ensuring that rates remain reasonable for the quality of coverage provided.

Filing a Claim with USAA: A Step-by-Step Guide

While you can file a car insurance claim with USAA on the mobile app, you can also call USAA if you prefer to speak with someone. The USAA claims phone number is 1-800-531-8722, and the USAA customer service phone number is also available.

How does USAA handle total loss anyways? First accident – solo wreck. Collision center mechanic believes it will be totaled but she has some more checks to do. I have GAP insurance and full coverage.
byu/FreeAtLast25U inUSAA

While rare, most USAA complaints revolve around claims and customer service. However, USAA still has very high satisfaction ratings since most drivers are very satisfied with how claims are resolved. Drivers can also use the USAA app or website to access policy information, pay bills, or apply for loans.

SR22 Insurance Coverage

USAA offers SR22 insurance filings for those required to prove financial responsibility following serious driving offenses. This coverage is crucial for drivers looking to reinstate or maintain their driving privileges under state requirements. Get more insights by reading our expert “What does standard auto insurance cover?” advice.

USAA simplifies obtaining SR22 certification, integrating it seamlessly with existing auto insurance policies, which helps minimize the hassle for members needing this service.

USAA Insurance Rates Breakdown

Many factors affect auto insurance rates, including age, driving history, and credit score. Therefore, USAA auto insurance quotes are different for each driver. The map below gives an idea of auto insurance rates nationwide.

USAA auto insurance rates are the lowest, but you’re only eligible if you’re a military member or family member. Other drivers don’t qualify for coverage. Most states require at least a minimum amount of liability coverage. However, liability coverage only pays for damages to others. Therefore, drivers should add collision and comprehensive coverages to protect their vehicles.

Full coverage auto insurance includes liability, collision, comprehensive, and other required coverages. While more coverage equals higher rates, you’re better protected and pay less out of pocket if your vehicle gets damaged.

This table shows average rates based on full coverage from USAA and other top insurers. We’ve also put together a table showing monthly rates based on minimum coverage.

USAA vs. Competitors: Full Coverage Auto Insurance Average Rates From Top Providers

Insurance Company	Monthly Rates
	$160
	$117
	$139
	91
	$80
	$174
	$115
	$105
	$86
	$99
	$59
U.S. Average	$119

As you can see, USAA rates are the cheapest regardless of coverage. Considering full coverage is only around $11 a month more than liability-only coverage, choosing the most protection available makes sense.

Impact of Driving History on USAA Auto Insurance Rates

Auto insurance companies check driving records, so drivers with accidents, tickets, and DUIs see the highest rates since they’re more likely to cost the insurance company money. While USAA rates increase with speeding tickets or accidents, they almost double with a DUI.

Drivers with multiple dings on their driving record see extremely high rates. Additionally, drivers with multiple infractions may be considered high-risk and require costly special coverage.

The Effect of Credit Scores on USAA Insurance Pricing

Your credit score affects many aspects of your life, such as loan rates, credit card interest rates, and apartment qualification. However, many drivers aren’t aware that their credit score can affect their insurance rates. While some states, like California, don’t allow insurers to use this factor to determine rates, most states allow auto insurance companies to use credit scores.

USAA vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Credit Score

Insurance Company	Good Credit	Fair Credit	Bad Credit
	$166	$197	$296
	$116	$136	$203
	$140	$161	$269
	$82	$100	$148
	$177	$226	$355
	$72	$90	$120
	$120	$133	$166
	$109	$138	$206
	$91	$118	$200
	$114	$138	$193
	$83	$104	$155

Most insurance companies believe drivers with good credit are more likely to avoid filing a claim and will pay for damages themselves. On the other hand, drivers with poor credit are more likely to file a claim and possibly miss payments. USAA uses credit scores to calculate insurance rates. This table shows how much more drivers with fair or poor credit pay for USAA coverage.

USAA drivers with poor credit pay double compared to drivers with good credit. The good news is that you can raise your credit score by making on-time payments and using credit responsibly.

USAA Discounts Available

We’ve already shown that USAA auto insurance is the cheapest. However, there are ways to get even lower rates. The easiest way to lower rates is to take advantage of auto insurance discounts. USAA auto insurance discounts are based on the driver, policy, and vehicle. In addition, drivers can bundle eligible discounts for the most significant savings.

USAA Auto Insurance Discounts

Drivers can also participate in the USAA SafePilot program to earn additional savings. SafePilot is a telematics program that monitors your driving habits, such as speed and hard braking. As a result, drivers who exhibit safe driving can save up to 30% on their auto insurance.

Lastly, look closely at your policy. Lower coverage amounts and raised deductibles to lower your rates. However, doing so means higher out-of-pocket costs if your vehicle gets damaged.

USAA Auto Insurance: Military-Focused Service

USAA’s customer service is structured around the needs of military families. It offers 24/7 support through various channels, including a comprehensive auto insurance phone system, online portals, and mobile app support. Check out our in-depth “Comprehensive Auto Insurance Claim” article for further details.

This ensures that members can reach out for assistance, manage their policies, and file claims anytime and from anywhere, which is particularly beneficial for families dealing with irregular schedules or deployments. Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.