D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 13, 2021

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Company Details
Address: 9800 Fredericksburg Road
City: San Antonio
State: TX
ZIP Code: 78288
Phone Number: 800-531-8722
Website: www.usaa.com
Year Founded: 1922
AM Best Rating: A++
Company Rating 0 (0 reviews)

Just the Basics

  • Everyone gets a 5 percent discount just for trying SafePilot
  • Only members of the military, veterans, and their immediate family members can get car insurance from USAA
  • Discounts of up to 20 percent are possible depending on your driving habits
  • The amount of your discount varies from policy period to policy period

Our USAA SafePilot review will explain how you can save between 5 and 20 percent by trying out their usage-based car insurance program. Simply download the app, and USAA will monitor your driving habits while you are going about your daily commute or errands.

After you get your score, USAA will calculate your discount amount with telematics data using the mechanisms in your smartphone like GPS and Bluetooth.

Participating in USAA’s SafePilot program is a great way to offset the cost of your premiums due to other factors that affect the price of your car insurance such as your age and credit history.

If you aren’t happy with your USAA SafePilot discount, you can always shop around to make sure you get the best affordable car insurance. Enter your ZIP code now to compare quotes from multiple car insurance companies.

What is the USAA SafePilot program?

SafePilot is an app offered by USAA insurance to promote safe driving habits resulting in up to a 20 percent discount on your next six-month policy renewal.

Several of the top car insurance companies monitor your driving for only 90 days and you get only one chance to try for the discount.

SafePilot is different because of its commitment to preventing accidents.

SafePilot continually monitors your driving habits and recalculates your discount to be used on your next six-month policy period. The discount can vary from policy period to policy period.

You can use your USAA login to view each of your trips. SafePilot monitors the following driving habits:

  • Your vehicle location
  • Whether you are driving during the day or night
  • Hard braking
  • Any hands-free calls you make
  • How often and for how long you handle your phone
  • If you are the driver or the passenger

USAA feels safe driving is important and uses SafePilot to prevent distracted driving. Also, many fatal accidents happen late at night.

USAA is doing its part because in 2018, more than 2,800 people were killed and 400,000 were injured through some form of distracted driving, as the Centers for Disease Control and Prevention (CDC) reports.

SafePilot is especially helpful to promote teen driver safety. If the entire family participates in these efforts to reduce distracted driving, you will have for sure earned your discount.

One downside, however, is that SafePilot is always running in the background no matter if the app is open or not on your smartphone. This can lead to your phone battery being depleted or burning through your data plan.

If you choose to buy car insurance from USAA and use SafePilot, be sure to keep a phone charger in the car and consider an unlimited data plan with your cell service provider.

USAA promises to privatize your data and use it only for further research. Telematics is just beginning. In fact, USAA is adding features to SafePilot to collect data when you are in an accident.

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Is SafePilot worth it?

Usage-based car insurance is just one way to reduce the cost of car insurance, but it may not be for everyone. There are pros and cons when it comes to a program like SafePilot.

SafePilot is worth it when it comes to making you improve your driving habits and helping to prevent distracted driving. It is free and simple to use, and it can save you money.

USAA SafePilot program reviews provided by their customers are mixed. Even though the app is supposed to know whether you are a driver or a passenger, users say this is one weakness of their app.

If you would like to try out other usage-based car insurance programs, most companies will promote a trial period for any potential new customers.

Some companies offer great discounts on car insurance for military dependents, and stacking a military discount with a usage-based program discount could mean big savings.

That’s why it’s important to get car insurance quotes from multiple car insurance companies before choosing USAA and signing up for USAA SafePilot. Enter your ZIP code to compare quotes today.