U.S.A.A. Insurance: Kia Coverage

USAA offers car insurance to current and former members of the military and their families. It is available in all 50 states and Washington, D.C. and has some of the lowest rates for both full and liability-only coverage. USAA's rates for a 40-year-old male with good credit and a clean driving record are $1,709 a year for full coverage and $435 for minimum coverage. These rates are well below the national average.

USAA offers insurance for a range of vehicles, including motorcycles, motorhomes, boats, and bicycles. It also provides insurance for Kia vehicles. However, some insurance companies have stopped covering certain Kia models due to a rise in thefts. Progressive and State Farm, for example, are not issuing new policies for select Hyundai and Kia vehicles. This is only a temporary measure for State Farm, and both companies will continue to insure existing customers.

USAA insurance rates for Kia vehicles

USAA insurance is only available to current and former members of the military and their families. It offers some of the lowest rates for both full and liability-only coverage and multiple discounts that can lower premiums.

USAA's rates are well below average. A 40-year-old male with good credit and a clean driving record will pay an average of $1,709 a year for full coverage and $435 for minimum coverage. That's compared to a national average of $2,299 for full coverage and $637 for liability-only.

People with speeding tickets and at-fault accidents typically pay more for insurance. USAA's rates are lower than typical for high-risk drivers, and the company will also consider drivers with DUIs, which some insurers won't.

USAA offers many money-saving discounts, including:

• Anti-theft devices: Discount for installing a car alarm or other security systems.
• Automatic payments: Save up to 3% by paying premiums through autopay.
• Basic driver training: Eligible drivers can save after completing a basic driver training course.
• Defensive driver training: Discount for completing an approved defensive driving course.
• Deployment/storing: Get up to 60% off if you store your vehicle during deployment (not available in Hawaii, North Carolina or Virginia).
• Good student: Drivers under 25 who maintain a B or better grade average can get up to 10% off.
• Loyalty: Discount of up to 10% after remaining a policyholder for three years.
• Multi-vehicle: Discount available if you insure two or more vehicles with USAA.
• Multi-policy: Customers who bundle USAA home and auto insurance can save up to 15%.
• Military on-base: Get up to 15% off comprehensive coverage if you garage your car on a military installation.
• Newer vehicle: Discount for vehicles that are no more than three years old.
• Pay as You Drive: Aimed at people who don't drive often, this pay-per-mile plan combines a fixed lower base rate with a variable rate determined by how much and how safely you drive.
• Safe driving: Discount for maintaining a good driving record for at least five years.
• SafePilot: Let USAA's usage-based insurance app track your driving habits and get up to 30% off for good behaviour behind the wheel. (Not available in California, Delaware or New Jersey.)
• MyUSAA Legacy discount: Earn up to 10% off if you were on your parent's USAA insurance and take over as the new policyholder. Available to drivers under 25 who haven't had any major violations in the past three years.

The average cost of insuring a Kia is $129 per month for a full-coverage policy. However, Kia insurance rates range from $91 per month to $162 per month, depending on the model and the insurance company.

The Kia Sportage, a compact SUV, is the cheapest Kia to insure. A full-coverage policy for a Kia Sportage costs around $111 per month. The most expensive Kia to insure is the Optima, at $162 per month for full coverage. The Optima is a sedan that was discontinued in 2020.

Geico has the cheapest car insurance for Kia owners, at $91 per month for a full-coverage policy. That's 30% cheaper than the average cost of Kia insurance.

The company you choose has a much bigger impact on the cost of Kia insurance than the model you drive. That's why it's important to compare quotes from multiple insurance companies to find the cheapest rate for you.

USAA insurance eligibility

USAA insurance is available to active, retired, and separated US military officers who have been honorably discharged. This includes pre-commissioned officers such as cadets and midshipmen at US service academies, in advanced ROTC or on ROTC scholarship, and officer candidates within 24 months of commissioning. Family members of current USAA members are also eligible for USAA insurance. This includes spouses, widows, widowers, unmarried former spouses, and children. If a USAA member has a child after joining, that child will become eligible for USAA membership. However, if the USAA member's parents are not members, the member cannot pass eligibility to them.

If you are unsure whether you are eligible for USAA insurance, you can contact the USAA New Member Team on 800-531-8722 and outline your personal situation.

USAA insurance discounts

USAA offers a range of discounts to its members, including:

Discounts for your driving history:

• Safe driver discount: For those with a good driving record for more than five years.
• Defensive driving: For those who take an approved defensive driving course.
• Driver training: For those who take a driver's education or driver training course.
• Good student discount: For students aged 16-25 who are enrolled full-time in high school or college and maintain at least a "B" average.
• SafePilot discount: For those who allow USAA to track their driving habits, including speed, acceleration, and braking.

Discounts for your vehicle:

• New vehicle discount: For insuring a brand-new car.
• Multi-vehicle discount: For insuring more than one car on the same policy.
• Annual mileage discount: For those who drive less than 12,000 miles per year.
• Vehicle storage discount: For those who store their car.

Discounts for your policy choices:

• Family discount: For those who were previously listed as a named driver on a family member's USAA policy.
• Length of membership discount: For long-time customers.
• Military installation discount: For those who store their car on a military base.
• No payment plan fees discount: For those who pay their entire premium upfront.
• Multi-policy discount: For those who buy multiple types of insurance from USAA.

USAA also offers a student discount, a multiple product discount, and a basic driver training discount. Additionally, USAA members may be eligible for other savings such as AAA or other club savings, prepayment discounts, and security features discounts.

USAA insurance customer satisfaction

USAA insurance is available only to active military members, veterans, and their families. The company offers a wide range of insurance products and has received high marks in customer satisfaction surveys, including J.D. Power studies.

In a 2023 NerdWallet survey, USAA received an overall satisfaction score of 81 out of 100, higher than the average score of 78 among the seven insurers included in the survey. USAA also received positive feedback in J.D. Power's 2023 U.S. Insurance Shopping Study, although it wasn't ranked due to its limited availability.

In a 2022 MarketWatch Guides survey, USAA policyholders gave the company a 4.3-star rating out of 5 for overall customer satisfaction and a 4.1-star rating for satisfaction with the claim outcome or settlement. In the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, USAA ranked fourth in customer satisfaction for claims.

However, USAA has received mixed reviews on other platforms, such as Trustpilot and the Better Business Bureau (BBB). On Trustpilot, USAA has an average rating of 2.7 out of 5 stars, with some customers complaining about poor communication, unhelpful customer service, and unexpected rate increases. Similarly, the company has a 1.1-star rating on the BBB website, with some reviewers citing issues with claims handling and customer service.

Overall, while USAA has received recognition for its customer satisfaction in some surveys and studies, there are also critical reviews highlighting areas for improvement, particularly in terms of communication and handling of claims.

USAA insurance compared to competitors

USAA insurance is available only to those with military affiliations, including military personnel, veterans, and their families. It offers a wide range of insurance products, including auto, homeowners, health, life, and property insurance.

USAA is ranked as the best car insurance company by U.S. News, with its rates often being cheaper than the national average. It also outperforms its competitors in customer satisfaction, claims handling, and insurance premiums. However, its availability is limited due to its exclusive focus on serving military personnel and their families.

USAA vs Geico

USAA is ranked higher than Geico in U.S. News' review of car insurance companies. USAA offers cheaper rates for various categories of drivers, including teens, young adults, adults, seniors, and drivers with poor credit, speeding tickets, accidents, or DUIs. Geico, on the other hand, is a viable alternative for those without military connections, as it offers a variety of policy discounts and rates that are generally below the national average. Geico also offers mechanical breakdown insurance, which USAA does not.

USAA vs Progressive

Many USAA customers have reported switching to Progressive and finding cheaper rates for identical coverage. Some have reported saving around half of what they were paying with USAA.

USAA vs State Farm

State Farm is another popular alternative to USAA, with some customers reporting significant savings on both auto and homeowners insurance. State Farm is particularly attractive for students and younger drivers due to its good student discount and programs for younger drivers.

USAA vs Erie

Erie Insurance has been mentioned by several USAA customers as offering comparable auto insurance rates and significantly lower homeowners insurance rates for identical coverage.

USAA vs AAA

AAA has been reported by a USAA customer to offer better home and auto insurance rates than USAA, with home insurance being half the price for better coverage.

USAA vs American Family

American Family Insurance is another alternative that some USAA customers have switched to, with one customer reporting savings of around $2000 per year on home and auto insurance.

USAA vs Travelers

Travelers Insurance is recommended by MarketWatch as a great option for most drivers, offering a wide range of coverage options and policy add-ons. It also has a usage-based IntelliDrive program that helps drivers stay safe and obtain discounted rates.

USAA vs Other Competitors

Other insurance companies that USAA customers have mentioned switching to include Farm Bureau, Allstate, and Plymouth Rock.

While USAA has a strong reputation and performs well in various aspects, it is always a good idea to compare quotes from multiple providers to ensure you are getting the best coverage at a competitive price.

Frequently asked questions