U.S. Auto Insurance: Usaa's Cost And Coverage

USAA is an auto insurance company that offers insurance to active military members, veterans, and their families. USAA is the fifth-largest auto insurer in the country and offers a wide variety of insurance products. USAA has high customer satisfaction ratings and gets top marks for its customer service. The company also offers investing and banking services.

USAA's auto insurance costs $1,432 per year on average for full coverage, which is more than $500 less than the national average. USAA also offers minimum coverage, which is about $733 less than the national average. USAA's rates are cheaper than other large insurers, but the company sells policies only to active and former military members and their families.

USAA car insurance rates for young drivers

USAA is a great option for young drivers who are current or former military members or the immediate family members of military personnel. The company offers low-cost car insurance with a variety of discounts and has been rated highly for its customer service and claims handling.

USAA's average rate for a good driver is $1,364 per year, according to a 2024 Forbes Advisor analysis. This is 33% cheaper than the national average. USAA also has the cheapest rates for many driver profiles, including young drivers.

WalletHub's analysis of 17 major car insurance companies found that USAA provides inexpensive coverage to teen drivers and their families, with an average annual rate of $1,289. USAA also offers driver training and good student discounts, and drivers can choose from a variety of coverage options.

USAA's rates for young drivers are cheaper than the national average for all ages. Its car insurance for an 18-year-old driver is 37% cheaper than the national average, while its rates for 75-year-old motorists are 29% cheaper.

However, USAA's rates for adding a 16-year-old driver are higher than many competitors and the national average. Adding a young driver to a parent's policy can be a more affordable option.

USAA offers a wide range of discounts that can help lower the cost of car insurance for young drivers, including:

• Annual mileage discount
• Anti-theft device discount
• Automatic payments discount
• Bundling home and auto insurance discount
• Defensive driving discount
• Driver training discount
• Family (legacy) discount
• Good student discount
• Length of membership discount
• Military installation (on-base) discount
• Multi-vehicle discount
• New vehicle discount
• Safe driver discount
• Vehicle storage discount

Overall, USAA is a great option for young drivers who are current or former military members or their family members, offering low rates and a variety of discounts.

USAA car insurance rates for adults

USAA is a financial services company that offers auto insurance exclusively to military personnel and their families. USAA auto insurance rates for adults vary depending on factors such as age, driving record, location, and vehicle type.

For a 35-year-old driver with a clean driving record and good credit history, the average cost of full-coverage insurance from USAA is approximately $1,512 per year or $126 per month. This is significantly cheaper than the national average of $2,008 per year for the same demographic.

USAA also offers competitive rates for younger drivers. An 18-year-old driver can expect to pay around $86 per month for a minimum coverage policy, which is almost half the national average for this age group.

In addition to affordable rates, USAA provides a range of discounts for its members. These include discounts for safe driving, vehicle storage, bundling policies, multiple vehicles, good students, and more.

It's important to note that USAA insurance is only available to current and former military members and their families, so not everyone can take advantage of their low rates. However, for those who are eligible, USAA offers some of the cheapest car insurance rates in the nation.

USAA car insurance rates for seniors

USAA is a highly-rated auto insurance company that offers the lowest rates for senior drivers. USAA is available to current and former members of the military and their families.

USAA is rated No. 1 in the best car insurance companies rating. It stands out for its customer service, claims handling, discounts, and as an insurer for senior drivers. USAA also has the lowest average annual rate overall, and comes in well below the national average in many specific driver categories.

USAA offers the most affordable full-coverage insurance for military-affiliated seniors at $1,158 per year or $97 per month. USAA also has the lowest sample rates for both female and male senior drivers, averaging hundreds of dollars less than the national average.

USAA's rates for 65-year-old drivers are $1,057 per year or $88 per month for full coverage. For 75-year-old drivers, USAA's rates are $1,260 per year or $105 per month.

USAA also offers a variety of possible discounts for its policyholders, including:

• Bundle and save (multi-policy discount)
• Military on-base discount
• Good student discount
• Clean driving record discount
• Safe driver discount
• Defensive driver training discount
• Basic driver training course discount
• Newer vehicle discount
• Anti-theft devices discount
• Deployment/storing discount
• Driving less discount
• Loyal member discount
• Multi-vehicle discount
• MyUSAA Legacy discount
• SafePilot Program

USAA's SafePilot Program tracks your time behind the wheel and rewards you for safe driving habits. To receive a discount of up to 30% (10% just for enrolling), you need to download the SafePilot app to your smartphone and enrol in the program. The app will record data such as how often you drive, whether you use your phone while driving, and if you've been in a crash.

USAA also offers rideshare coverage in every state except Hawaii, North Carolina, Michigan, Montana, New Mexico, New York, South Carolina, and Virginia.

USAA car insurance discounts

USAA offers a variety of discounts for its policyholders. While the company does not disclose how much customers can save by taking advantage of these discounts, many companies advertise comparable discounts of 20-30%. Here is a list of some of the car insurance discounts offered by USAA:

• Safe driver discount: Also known as the Premier Driver Discount, this requires you to have a clean driving record for at least five years.
• Driver training discount: Drivers under the age of 21 can take a basic driver training course for a discount.
• Good student discount: College students and teenagers can qualify for discounts if they have a "B" average from the preceding semester. Students must be enrolled full-time and maintain a 3.0 GPA.
• New vehicle discount: If your vehicle is less than three years old, you might receive a discount.
• Multi-vehicle discount: You might get a discount if you have policies on two or more vehicles.
• Annual mileage discount: Drivers who are 29 years of age or older can get a discount based on the number of miles driven each year.
• Family discount: USAA offers up to a 10% discount for former dependents under the age of 25 with a clean driving record. They must have had coverage on their parents' policy for at least three years.
• Military installation discount: You can get up to a 15% savings on comprehensive and collision coverage when you keep your vehicle on a military base.
• Stored-vehicle discount: You can receive up to a 60% discount on your premiums if you're deployed and store your vehicle. The vehicle cannot be driven for at least 30 consecutive days.
• Bundle and save (multi-policy) discount
• Defensive driver training discount
• Basic driver training course discount
• Anti-theft devices discount
• Deployment/storing discount
• Driving less discount
• Loyal member discount
• MyUSAA Legacy discount
• SafePilot Program: USAA's optional SafePilot Program tracks your driving habits and rewards you for safe driving. To receive a discount of up to 30% (10% just for enrolling), you need to download the SafePilot app to your smartphone and enrol in the program.

USAA car insurance coverage

USAA is an insurance company that offers its services exclusively to active, reserved, and retired military personnel and their family members. USAA is rated as the No. 1 insurance company in terms of customer service, claims handling, and discounts. It also has the lowest average annual rate overall, coming in well below the national average.

USAA offers car insurance policies with a range of coverage options, including:

• Bodily injury liability (BI)
• Property damage liability (PD)
• Comprehensive coverage
• Medical payments (MedPay)
• Personal injury protection (PIP)
• Uninsured/underinsured motorist (UM/UIM)
• Rental car reimbursement coverage
• Accident forgiveness
• Guaranteed asset protection (GAP)
• Car replacement assistance (CRA)
• Mechanical breakdown insurance (MBI)

In addition, USAA offers various discounts and add-ons to its car insurance policies, such as:

• Bundle and save (multi-policy discount)
• Military on-base discount
• Good student discount
• Clean driving record discount
• Safe driver discount
• Defensive driver training discount
• Basic driver training course discount
• Newer vehicle discount
• Anti-theft devices discount
• Deployment/storing discount
• Driving less discount
• Loyal member discount
• Multi-vehicle discount
• MyUSAA Legacy discount

USAA also offers rental car insurance, which covers theft, damage, administrative fees, and more. This insurance is available to those who rent a car using their USAA credit card or those who have a personal auto policy with USAA that includes liability, comprehensive, and collision coverage.

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