Jeffrey Wade
USAA, or the United Services Automobile Association, offers auto insurance exclusively to U.S. military members and their immediate family members. This includes active, retired, and separated veterans who have been honourably discharged, as well as their spouses, children, step-children, and widows. USAA was founded in the 1920s by military members to provide insurance for each other's vehicles, and has since expanded to become a leading provider of insurance, banking, and investment solutions to military personnel.
| Characteristics | Values |
|---|---|
| Who is eligible for USAA auto insurance? | Active, retired, or separated veterans with an honourable discharge. Spouses, children, step-children, parents, and grandparents of eligible military members. |
| What documents are required? | Proof of military status, branch of service, rank, date of entry to active service, start and end dates of service, commissioning source, and government-issued ID. |
| What auto insurance coverages does USAA offer? | Accident forgiveness, bodily injury liability, uninsured and underinsured motorist, comprehensive coverage, collision coverage, roadside assistance, rideshare insurance, rental reimbursement, property damage liability, personal injury protection, car replacement assistance, glass coverage, GAP insurance. |
| What discounts does USAA offer? | Good driving record, defensive driving/driver training course, good student, bundled/stacked, new vehicle, driving less, multi-vehicle, anti-theft devices, annual mileage, driving research, premier driver, automatic payments, multi-vehicle, military installation. |
What You'll Learn
Who is eligible for USAA auto insurance?
USAA offers insurance for active, retired, and separated US military personnel with an honourable discharge. Immediate family members of military members and veterans are also eligible for USAA insurance. This includes spouses, children, step-children, and, in some cases, grandchildren.
USAA was founded in 1922 by 25 US Army officers who were unable to get car insurance. Today, it has over 13 million members and is a Fortune 500 company with more than $200 billion in assets.
- Active-duty, guard, or reserve military members
- Honorably discharged military veterans
- Pre-commissioned officers, warrant officers, cadets, and midshipmen
- Spouses of USAA members
- Widows, widowers, and unmarried former spouses of USAA members who had USAA auto or property insurance while married
- Children and step-children of USAA members
- Grandchildren of USAA members (if both parents and grandparents are also members)
- Parents of USAA members (if the parent is in the military and a USAA member, their children are eligible)
It's important to note that USAA membership cannot be passed on posthumously. If a parent who was eligible for USAA membership passes away without becoming a member, their children will not be eligible. Additionally, while membership can be passed down to children, it cannot be passed up to parents or across to siblings.
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What are the requirements to join USAA?
To be eligible for USAA membership, you must be either a current or former member of the US military, or be a family member of someone who is or was.
USAA was founded in 1922 by 25 Army officers who sought to insure one another's vehicles. Since then, it has expanded to include members of the Navy, Marine Corps, and Air Force, as well as veterans who have been honourably discharged. Cadets, midshipmen, and pre-commissioned officers are also eligible to join.
Family members who are eligible for USAA membership include spouses, children (including stepchildren), grandchildren (if their parents are also USAA members), and widows or widowers.
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What are the benefits of USAA auto insurance?
USAA is a great option for auto insurance, offering a range of benefits to its members. Here are some of the advantages of choosing USAA for your auto insurance needs:
Competitive Pricing
USAA consistently offers some of the lowest car insurance rates in the industry. Their prices are often significantly cheaper than the national average and other leading insurance providers. This is especially true for young drivers, who can get rates that are around half of the national average. USAA also provides discounts for drivers who keep their cars on a military base and offers lower rates for those with a good driving record.
Excellent Customer Service
USAA is known for its exceptional customer service and has received high ratings in this area. They have been praised for their responsiveness and ease of contact, with various surveys and studies placing them at the top when it comes to customer satisfaction.
Wide Range of Discounts
USAA offers a variety of discounts to its members, many of which are similar to those provided by other major insurance companies. These include discounts for good students, safe drivers, new vehicles, multiple vehicles, and more. They also provide unique discounts for military personnel, such as up to 15% off comprehensive coverage for vehicles garaged on a military base and up to 60% off for vehicles in storage while the owner is deployed.
Accident Forgiveness
USAA offers accident forgiveness, meaning your rates won't increase after your first at-fault accident if you've been accident-free for five years. This benefit can be earned or purchased.
Coverage Options
USAA provides the standard coverage options, such as liability, comprehensive, and collision insurance. They also offer additional coverage options, including rental reimbursement, rideshare gap protection, and roadside assistance.
Easy Payment Options
USAA offers flexibility in payment options, allowing members to pay their premiums in full or split them into monthly instalments. They also provide the option of automatic payments, which can result in a discount of up to 3% on your policy premium.
Additional Services
In addition to auto insurance, USAA offers a wide range of other insurance products and financial services exclusively to its members. These include homeowners insurance, health and dental insurance, life insurance, investment services, and banking services.
Easy Cancellation
Cancelling a USAA policy is straightforward and can be done online, through their app, or by calling their customer service number. There are typically no penalties or fees for early cancellation, and any unused amount will be refunded.
Overall, USAA auto insurance is a great choice for those who are eligible, offering a combination of competitive pricing, excellent customer service, and a wide range of benefits and discounts.
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How do I get a quote for USAA auto insurance?
To get a quote for USAA auto insurance, you must first ensure you meet the eligibility criteria. USAA auto insurance is available to active, retired, or honorably separated officers of the US military, as well as their spouses, parents, step-parents, legal guardians, parents-in-law, and children. Grandchildren can also qualify if their parents and grandparents are USAA members.
Once you've confirmed your eligibility, you can request a quote from the USAA website, chat with a representative through the online chat feature, or call USAA at 800-531-8722 to speak with an agent. They will ask you a few questions and then provide information on your eligibility and quote.
To finalise your USAA membership, you will need to provide proof of your military status or that of your family member. This can include documents such as your branch of service, rank, date of entry to active service, and government-issued identification.
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How do I become a USAA member?
To become a USAA member, you must be either an active, retired, or honorably separated officer of the US military. If you don't have any military affiliation, you can still qualify if you are a spouse, parent, step-parent, legal guardian, or parent-in-law of someone who is. Additionally, if your parent or spouse is eligible for USAA membership but isn't a member yet, you can become a member yourself.
If you are directly associated with the military, you can complete the application process online or over the phone. You will need to provide a Social Security number and a valid government-issued ID, such as a driver's license, passport, or state ID card. Active-duty military members will also need their current military ID or orders, while veterans might need to submit a copy of their DD Form 214.
If you are applying as a family member, you will need to prove your relationship to the military member. Spouses need to present a marriage certificate, while children of USAA members must provide a birth certificate listing the name of the parent who is the USAA member.
It's important to note that eligibility for USAA membership has changed over the years, and there may be additional requirements or exceptions. If you are unsure about your eligibility, it's best to contact the USAA New Member Team at 800-531-8722 and outline your personal situation.
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Frequently asked questions
To qualify for USAA auto insurance, you must be an active, retired, or honorably separated officer of the US military. If you are not directly affiliated with the military, you can qualify if you are a spouse, parent, step-parent, legal guardian, or parent-in-law of a US military officer. Children and grandchildren of US military officers can also qualify if their parents or grandparents are USAA members.
If you are a US military officer, you will need to provide proof of your military status, including your branch of service, rank, and date of entry to active service. If you are a veteran, you will need to provide your branch of service and rank but will also need the start and end dates of your service. If you are a family member of a US military officer, you will need to provide proof of your relationship and their military service. You may also need to provide your Social Security number and the USAA number of the family member.
USAA auto insurance offers competitive rates and various discounts for its members, including discounts for good driving records, defensive driving/driver training courses, good students, bundled/stacked policies, new vehicles, driving less, multiple vehicles, and anti-theft devices. USAA also offers discounts from retail partners, such as car rental, shopping, shipping, moving, and storage discounts.
You can request a quote from the USAA website, chat with a representative through its online chat feature, or call USAA at 800-531-8722 and speak to an agent. They will ask you a few questions to determine your eligibility and provide you with a quote. Once your eligibility is established, you can set up your USAA membership, activate your online account, and make your first payment.
