USAA Car Insurance Review for 2024 [Read Before You Buy!]
Discover the benefits in our USAA car insurance review. Rates start at an affordable $21 per month for qualifying military members and their families. USAA military auto insurance offers comprehensive coverage and includes exclusive perks such as accident forgiveness and flexible payment plans.
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
USAA Car Insurance
Average Monthly Rate For Good Drivers
$21A.M. Best Rating:
A++Complaint Level:
LowPros
- Competitive rates for auto insurance, especially for safe drivers
- Offers accident forgiveness and roadside assistance programs
- Access to exclusive financial products, including banking and loans
- Discounts for bundling insurance policies and military affiliations
Cons
- Eligibility is limited to military personnel, veterans, and their families
- Premium rates may be higher for drivers with non-military affiliations
- Fewer local branch offices compared to other major insurance companies
Our USAA car insurance review discusses how this company stands out for its military focus. It offers some of the most competitive rates on the market, especially for active-duty service members, veterans, and their families.
With affordable USAA car insurance rates averaging $40/month, it remains a top choice for budget-conscious drivers. However, its biggest drawback is exclusivity, as membership is limited to those in the military.
USAA Car 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 | 4.6 |
| Plan Personalization | 5.0 |
| Policy Options | 4.7 |
| Savings Potential | 4.7 |
Keep reading to learn why the United Services Automobile Association (USAA) is a top contender for military personnel looking for trustworthy auto insurance, but it’s important to compare quotes from multiple providers to ensure you’re getting the best deal for your specific needs.
Our free online comparison tool above allows you to instantly compare cheap car insurance quotes — just enter your ZIP code to get started.
- USAA car insurance holds a 4.8 rating for reliability and satisfaction
- USAA industry ratings are high for its strong military support
- Military members can get rates as low as $22/month for minimum coverage
USAA Monthly Insurance Rate Breakdown
This table showcases the cost of USAA car insurance per month based on age, gender, and coverage level. It breaks down the cost variations between minimum and full coverage across different age groups.
USAA Car Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $96 | $245 |
| Age: 16 Male | $102 | $249 |
| Age: 18 Female | $78 | $180 |
| Age: 18 Male | $88 | $203 |
| Age: 25 Female | $30 | $80 |
| Age: 25 Male | $32 | $85 |
| Age: 30 Female | $28 | $74 |
| Age: 30 Male | $30 | $79 |
| Age: 45 Female | $22 | $59 |
| Age: 45 Male | $22 | $59 |
| Age: 60 Female | $21 | $53 |
| Age: 60 Male | $21 | $53 |
| Age: 65 Female | $22 | $58 |
| Age: 65 Male | $22 | $57 |
As expected, younger drivers face higher premiums due to their increased risk, with male drivers paying slightly more on average. However, rates decrease significantly as drivers reach age 25.
Driving history is one of the biggest factors that affect car insurance prices. Drivers with clean records benefit from lower rates, while infractions result in noticeable increases. The table below provides a clear view of how driving behavior directly impacts the cost of coverage for both minimum and full coverage options.
Rates do increase with each infraction, but USAA is much more forgiving after an accident or speeding ticket than other companies, making it an affordable option for high-risk drivers.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Comparing USAA Car Insurance to the Competition
The United Services Automobile Association consistently offers lower premiums for 45-year-old male and female drivers compared to other leading insurers, making it a strong contender for cost-conscious drivers.
USAA Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age: 45 Female | Age: 45 Male |
|---|---|---|
 | $162 | $160 |
 | $115 | $117 |
 | $139 | $139 |
 | $80 | $80 |
 | $171 | $174 |
 | $113 | $115 |
 | $112 | $105 |
 | $86 | $86 |
 | $98 | $99 |
| $59 | $59 |
USAA insurance rates are notably competitive. It’s usually the cheapest car insurance company in most states.
It even offers affordable auto insurance to high-risk drivers. Even after violations like a DUI or an accident, USAA’s premiums remain more affordable than most competitors’.
USAA Car Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One DUI | One Accident | One Ticket |
|---|---|---|---|---|
| $160 | $270 | $225 | $188 |
| $117 | $194 | $176 | $136 |
| $139 | $193 | $198 | $173 |
| $80 | $216 | $132 | $106 |
| $174 | $313 | $234 | $212 |
| $115 | $237 | $161 | $137 |
| $105 | $140 | $186 | $140 |
| $86 | $112 | $102 | $96 |
| $99 | $206 | $139 | $134 |
| $59 | $108 | $78 | $67 |
Despite rate increases after driving violations, USAA continues offering competitive pricing, making it an excellent choice for safe and high-risk drivers.
Read More: Allstate vs. USAA Car Insurance
How to Tailor USAA Car Insurance Coverage
USAA offers various coverage options, from primary liability to more specialized protections like rideshare insurance coverage and accident forgiveness.
USAA Car Insurance Coverage Options
| Coverage | Description |
|---|---|
| Accident Forgiveness | Avoids premium hikes after your first accident |
| Collision | Pays for car damage in a collision |
| Comprehensive | Covers non-collision damage like theft or weather |
| Liability | Covers injury and property damage you're responsible for |
| Medical Payments | Pays medical bills for you and passengers |
| Personal Injury Protection (PIP) | Covers medical costs and wages, regardless of fault |
| Rental Car Reimbursement | Covers rental costs during car repairs |
| Rideshare | Covers you while driving for Uber or Lyft |
| Roadside Assistance | Provides towing and emergency help |
| Uninsured/Underinsured Motorist | Covers accidents with drivers lack sufficient insurance |
Each type of coverage ensures that drivers are well-protected in various situations, whether on the road or dealing with unexpected damages. USAA also offers a wide range of insurance products and financial services for well-rounded service.
USAA's biggest limitations are its exclusive military eligibility, and it has fewer physical branches than other national providers.Dani Best Licensed Insurance Producer
These comprehensive options provide peace of mind and reflect USAA’s commitment to delivering flexible, tailored solutions for its members.
Unlocking Savings With USAA Car Insurance Discounts
USAA offers various discounts to help policyholders lower their car insurance premiums, from safe driving habits to bundling options.
USAA Car Insurance Discounts by Savings Potential
| Discount | |
|---|---|
| Vehicle Storage | 60% |
| SafePilot Program | 30% |
| Multi-Vehicle | 25% |
| Military Installation | 15% |
| Annual Mileage | 12% |
| Bundling Discount (Home & Auto) | 10% |
| Defensive Driving | 10% |
| Good Student | 10% |
| New Vehicle | 5% |
Whether storing your vehicle or enrolling in the SafePilot Program, USAA auto insurance discounts make quality insurance more accessible for military families.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
USAA Car Insurance Ratings & Superior Service
USAA insurance ratings reflect its strong reputation across various trusted agencies, showcasing its commitment to excellent customer service and reliability. With top marks from J.D. Power and A.M. Best, along with low complaint ratios, USAA remains a standout option for dependable coverage.
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 |
USAA customer service consistently earns high ratings, and positive online reviews show that drivers have difficulty finding cheaper coverage and better customer service elsewhere.
These ratings and customer reviews emphasize USAA’s ability to meet client expectations while maintaining superior service standards.
USAA Car Insurance: Benefits and Limitations
USAA offers a variety of advantages for its members. This combination of cost-effective options and specialized perks sets USAA apart from many of its competitors:
- Competitive Rates for Safe Drivers: USAA consistently provides lower premiums for drivers with clean records, making it a top contender for those seeking affordable coverage.
- Accident Forgiveness and Roadside Assistance: USAA includes valuable programs like accident forgiveness and 24/7 roadside support, enhancing policyholders’ peace of mind.
- Exclusive Financial Products: Beyond insurance, USAA grants access to unique financial services such as banking and loans, offering a holistic approach to member support.
- Bundling Discounts and Military Savings: Members can maximize savings by combining various insurance policies and receiving discounts specific to military families.
USAA remains a leading choice for military members, but certain drawbacks may limit its appeal to the broader public. These restrictions can be significant depending on individual circumstances:
- Limited Eligibility: Only active military personnel, veterans, and their families qualify for USAA membership, restricting access for the general population.
- Higher Premiums for Non-Military Drivers: Drivers without a direct military connection may find higher premium rates than more inclusive insurance providers.
- Fewer Local Branches: USAA has fewer physical locations than larger insurance companies, potentially making in-person services less convenient.
While USAA offers valuable benefits to its members, the exclusivity and limited physical presence can be drawbacks for some individuals.
Learn More: How much insurance do I need for my car?
USAA Car Insurance: Best for Military Members
The United Services Automobile Association is a premier choice for military members and their families. Our USAA car insurance review found competitive rates, exclusive benefits, and tailored financial services.
As part of USAA’s #RecycledRides program, we worked with Gerber Collision, VFW Post 2245, and the Gurnee American Legion to provide the gift of reliable transportation to this Sailor. #MilitaryAppreciation pic.twitter.com/bpWopQkCyG
— USAA (@USAA) June 4, 2024
Despite these drawbacks, USAA excels in providing comprehensive coverage, accident forgiveness, and unique coverages like rideshare insurance. The value of its personalized offerings and commitment to serving military personnel solidifies its position as one of the best car insurance companies for those who qualify.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Frequently Asked Questions
What are the benefits of USAA car insurance?
USAA provides military families with competitive rates, accident forgiveness, and flexible payment plans, along with excellent customer service.
What are the disadvantages of USAA car insurance?
USAA’s services are limited to military members and their families, and some customers report slower claim processing times. We offer insight into speeding up the claims process in our filing a car insurance claim guide.
Why is the United Services Automobile Association so successful?
USAA’s success comes from offering tailored insurance and financial services exclusively for military personnel, with a strong focus on customer satisfaction.
Is USAA only for the military?
Yes, USAA Insurance is primarily available to active duty, veterans, and their eligible family members.
Why do people use USAA car insurance?
People choose USAA auto insurance for its reliable coverage, military-focused benefits, personalized service, and telematics car insurance discounts.
Is switching car insurance to USAA worth it?
Switching to USAA car insurance can be worthwhile for military families, thanks to exclusive benefits and competitive rates.
Does USAA car insurance have a monthly fee?
USAA doesn’t charge a monthly membership fee, but insurance premiums can be paid monthly.
Can I cancel USAA car insurance anytime?
Yes, USAA allows you to cancel your insurance policies at any time without penalties. Learn how to cancel gap insurance.
What is USAA best for?
USAA is best known for offering specialized military car insurance with top-notch customer care.
Who owns the United Services Automobile Association?
USAA operates as a member-based organization and is owned by its policyholders.
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
AnTonyC
Active Duty and Veterans Beware!
Poteattony
Usaa not so great anymore
ioam
Customer service got bad
Sandy_H
Unresolved billing issue for months
davidwells
USAA: Always hire a lawyer
chanelcinq
Completely incompetent
HB23
Incompetent company
JonB36
USAA's exemplary service legacy has hit rock bottom.
Cvinny10_
Do NOT get this insurance
CGN_Demandante
Damaged Rental Van Payoff