U.S. Auto Insurance: Who Qualifies?

USAA is an insurance and financial services company that primarily serves military service members and their families. It was founded in 1922 by 25 U.S. Army officers who wanted to insure each other's vehicles. Today, USAA has over 13 million members and is a Fortune 500 company with more than $200 billion in assets.

USAA offers insurance for active, retired, and separated veterans with honourable discharges, as well as their immediate family members. This includes spouses, children, stepchildren, and widows. In addition to auto insurance, USAA provides a range of other insurance products, such as homeowner's insurance, life insurance, and renter's insurance. They also offer various banking and investment services.

Eligibility for spouses and children of USAA members

Spouses and children of USAA members are eligible for membership. This includes stepchildren and adult children. However, grandchildren are only eligible if their parents are also USAA members.

Spouses of USAA members must provide their Social Security number if their spouse is already a member. If the spouse is a veteran or currently serving, their profile will need to be created first, and their entry to active service date or service start and end dates will need to be provided.

Children of USAA members must be added to an eligible parent's car insurance policy until they are 18 years old. After this, they can purchase a policy in their name.

It is important to note that parents of USAA members are not eligible for membership. Additionally, USAA membership cannot be passed on posthumously, so children of deceased USAA members are not eligible for membership unless their parent was a member while alive.

How to qualify as a US military member

To qualify for USAA auto insurance as a US military member, you must be an active, retired, or honorably separated officer of the US military. This includes:

• Active-duty military members of the US Army, Navy, Air Force, Marines, Coast Guard, National Guard, and Reserves
• Veterans who have retired or been honorably discharged from the US military
• 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

If you are a US military member, you can also pass your USAA membership down to your spouse and children. However, it is important to note that USAA membership cannot be passed on posthumously, so if you are deceased, your family members will not be eligible for USAA membership unless they join while you are still alive.

To sign up for USAA, you will need to provide proof of military service, such as a current military ID, orders, or a copy of your DD Form 214. You will also need to provide a valid government-issued ID, such as a driver's license, passport, or state-issued ID card.

How to qualify as a veteran

USAA is a member-owned insurance and financial services company that primarily serves military service members and their families. It was founded in 1922 by 25 Army officers who wanted to insure each other's vehicles.

USAA offers insurance for active, retired, and separated veterans with an honourable discharge. This includes:

• Active-duty military members of the U.S. Army, Navy, Air Force, Marines, Coast Guard, National Guard, and Reserves.
• Veterans who have retired or been honourably discharged from the U.S. military.
• Pre-commissioned officers such as cadets and midshipmen at U.S. service academies, in advanced ROTC or on an ROTC scholarship, and officer candidates within 24 months of commissioning.

If you are a veteran, you will need to provide your branch of service and rank, as well as the start and end dates of your service.

USAA also offers insurance for immediate family members of military service members and veterans, including spouses, children, step-children, and widows/widowers. However, family members of deceased military service members are only eligible for USAA insurance if their deceased relative was a USAA member.

How to qualify as a cadet or midshipman

To qualify for USAA auto insurance as a cadet or midshipman, you must be enrolled in a US service academy or be within 24 months of commissioning. This includes being in advanced ROTC or on an ROTC scholarship.

Cadets and midshipmen are considered pre-commissioned officers and are eligible for USAA membership. USAA was founded by military personnel who were unable to obtain car insurance due to being considered a high-risk group by insurance companies. Therefore, USAA was founded to provide insurance coverage for military members and their families.

To apply for USAA membership, you will need to provide the following information:

• Social Security Number
• Valid government-issued ID (e.g. driver's license, passport, state-issued ID card)
• Proof of commissioning status (e.g. statement from commanding officer, current orders)

How to qualify as a widow or widower

To qualify for USAA auto insurance as a widow or widower, you must meet the following criteria:

• You must be the widow or widower of a deceased USAA member.
• Your late spouse must have had USAA auto or property insurance while they were alive.
• You must not be remarried.

If you meet these requirements, you are eligible for USAA membership and can sign up for auto insurance. USAA offers insurance for active, retired, and separated veterans if honorably discharged. The company was founded to serve military personnel, so it provides outstanding customer service and affordable insurance rates to this constituency.

In addition to auto insurance, USAA offers a range of other insurance products, including health, life, homeowners, renters, and pet insurance. They also provide financial services such as banking, investment, and loan services.

To sign up for USAA auto insurance as a widow or widower, you will need to provide documentation proving your marital status and your spouse's USAA membership. You may also need to provide a Social Security number and a valid government-issued ID.

Frequently asked questions