Paul Sanchez
USAA is an insurance company that offers a range of insurance products, including auto, home, and health insurance. It is known for its competitive rates, strong customer service, and efficient claims handling process. USAA's insurance rates are typically lower than the national average, making it a cost-effective option for many individuals. The company also offers various discounts and optional coverage features that enhance the value of its insurance policies. However, eligibility for USAA insurance is restricted to military members, veterans, and their families, limiting its accessibility to a wider audience. Overall, USAA insurance is worth considering for those who qualify, as it provides a combination of affordable rates, comprehensive coverage, and positive customer experiences.
| Characteristics | Values |
|---|---|
| Customer satisfaction | High scores in customer satisfaction surveys, with ratings of 4.7 out of 5 and 4.9 out of 5 in different surveys. |
| Affordability | Offers lower-than-average rates, with sample rates for young adult drivers 34-35% lower than the national average. |
| Eligibility | Only available to military members, veterans, pre-commissioned officers, and their families. |
| Claims handling | Positive reviews for its claims handling process, with some negative experiences also reported. |
| Coverage options | Offers a range of coverage options, including accident forgiveness, rental car reimbursement, roadside assistance, and rideshare coverage. |
| Discounts | Various discounts available, including bundling discounts, safe driver discounts, and loyalty discounts. |
| Availability | Available in most states, but not as widely available as some competitors. |
| Customer service | Scores well for customer service, with quick response times and efficient claim handling. |
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What You'll Learn
USAA's insurance rates
USAA scored 4.7 out of 5 in a national rating of the best car insurance companies, ranking second out of ten companies. It also earned the highest score (5 out of 5) in a consumer survey based on customer feedback. USAA's sample rates for young adult drivers (single 25-year-olds) are significantly lower than the national average, with rates 34-35% cheaper. For married 40-year-old drivers, USAA is the second cheapest, with sample rates hundreds of dollars below the national average. Similarly, USAA is the second cheapest for married 60-year-old drivers, with sample costs 36-37% lower than the national average.
Some people have praised USAA for its competitive rates, claiming that it is the cheapest option they have found. One person mentioned that USAA's rates are solid and worth the effort of qualifying for their insurance. Another person stated that USAA's rates are the best they have found, especially compared to other companies like Progressive and State Farm.
On the other hand, some individuals have found USAA's rates to be higher than those of other insurance providers. For example, one person from Florida mentioned that USAA's rates were more than double what they were paying with State Farm for the same coverage, despite having a spotless driving record. Another person from Oregon, who had been with USAA for 17 years, mentioned that they switched to another company because USAA raised their rates significantly. Additionally, a customer from California stated that USAA's rates were way too high compared to other companies.
It is worth noting that insurance rates can vary depending on various factors such as age, gender, driving record, location, and eligibility status. USAA's products are specifically targeted towards military members and their families, so rates may differ for those who do not meet this eligibility criterion.
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Customer satisfaction
USAA insurance has received generally positive reviews from customers, with high scores in customer satisfaction surveys. In a US News survey, USAA was rated the second-best car insurance company, scoring 4.7 out of 5. It also earned the highest score of 5 out of 5 in the consumer survey, indicating high customer satisfaction. Similarly, in a Bankrate review, USAA's car insurance received a score of 4.2 out of 5.
Customers have praised USAA for its competitive rates, strong service, and efficient claim handling. One customer mentioned that their claim was instantly approved, and they received a rental car on the same day. USAA's rates are often lower than the national average, especially for specific demographics such as young drivers, married couples, and those with a DUI on their record. USAA also offers various discounts, such as bundling home and auto insurance, accident forgiveness, and safe driving incentives through the SafePilot program.
However, there are also negative reviews from customers who have had unsatisfactory experiences with claim handling. Some customers have switched to other insurance providers due to disputes over liability determinations and claim payouts.
Eligibility is a significant factor in considering USAA insurance. The company primarily serves military members, veterans, and their families, so not everyone can access their products. Additionally, some customers have expressed a preference for working with local agencies instead of USAA's online and phone-based services.
Overall, USAA insurance is well-regarded by customers, especially those who value loyalty, value for money, and comprehensive coverage options. While there are some negative reviews, the majority of customers seem satisfied with the company's offerings, as evidenced by high survey scores and positive testimonials.
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Eligibility
USAA, or the United Services Automobile Association, was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Since then, it has expanded to serve millions of members from the military community, offering a range of financial services.
USAA is available in all 50 states and Washington, D.C., allowing members to retain their coverage even when relocating to a new state. The company also offers insurance coverage to those stationed outside the U.S. in certain cases.
While USAA primarily serves the military community, it has expanded its offerings through partnerships with other companies. In July 2024, USAA partnered with Aflac to expand its insurance product range. Additionally, USAA members can access the CarAdvise Fuel program, which offers fuel discounts at over 60,000 gas stations.
USAA's eligibility requirements restrict its products to a specific group, but within that group, it offers competitive rates and comprehensive coverage options for auto, home, and life insurance.
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Home insurance perks
USAA is a popular insurance company, especially for those with military affiliations. USAA offers a wide range of insurance products, including home insurance, and has received positive reviews for its coverage options, customer service, and claims handling.
USAA home insurance policyholders have reported high levels of satisfaction with the company's value, customer service, claims handling, and overall satisfaction. The company provides comprehensive coverage options, reasonable premiums, and additional perks, making it a popular choice for individuals seeking home insurance.
Competitive Pricing and Discounts
USAA is known for offering competitive rates that are often lower than the national average. Their premiums are affordable, with policies costing an average of $193.44 per month, which is well below the national average of $231.39. USAA also offers various discounts through their perks program, including discounts on hotels, rental cars, cruises, and other travel-related expenses.
Comprehensive Coverage Options
USAA provides comprehensive coverage options for homeowners, including standard coverages such as dwelling coverage, personal property coverage, and liability protection. They also offer supplemental policies like jewelry insurance and identity theft coverage, with a standard coverage of $5,000. Additionally, USAA offers coverage for high-value homes, earthquake, sinkhole, and water backup, as well as coverage for personal computers and technology.
Excellent Customer Service
USAA is renowned for its quality customer service, with low consumer complaint rates. They are known for their responsiveness and efficiency in handling claims, ensuring a smooth and stress-free experience for their policyholders.
Military-Focused Perks
USAA caters specifically to the needs of military personnel, veterans, and their families. They offer military-focused coverage options, such as no deductible on covered losses for personally owned military gear and clothing for active-duty and reserve members. USAA also provides extended replacement cost coverage for dwellings, ensuring additional protection beyond standard dwelling coverage.
High Customer Satisfaction Ratings
USAA has consistently received high ratings and positive reviews from its customers. In various surveys and ratings, USAA has scored 4.7 out of 5, 4.8 out of 5, and even 4.9 out of 5 stars, outperforming many of its competitors. These ratings reflect the overall satisfaction and loyalty of USAA's customer base.
In conclusion, USAA home insurance offers a range of perks that make it a compelling choice for eligible individuals, particularly those with military affiliations. Their combination of competitive pricing, comprehensive coverage, excellent customer service, and military-focused perks sets them apart in the home insurance market.
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Claims handling
USAA has received mixed reviews for its claims handling. According to a US News survey, USAA placed third in claims handling, scoring 4.3 out of 5. This is slightly above the average score of 4.2, indicating that USAA customers are generally more satisfied with the claims handling process than the average insurer. Only 2% of respondents indicated that they were very dissatisfied with the claims handling process.
Some customers have praised USAA for its efficient claims handling, with one customer stating that their claim was instantly approved, and another mentioning that they were satisfied with how their three claims in ten years were handled.
However, there are also negative reviews, with one customer reporting a horrible experience with their two claims, stating that USAA found them 100% liable in an accident where the other party hit their car at excessive speed in a parking lot. Another customer mentioned that USAA changed their assessment of fault from 90% to 50% in an accident where the other driver backed into their car.
In terms of home insurance, USAA has been praised for its handling of claims following the California wildfires in January 2025. The company reported that it expected to pay out $1.8 billion in claims, and as of February 5, 2025, it had received more than 3,500 claims, with 86% of claimants receiving initial payments.
Overall, while there are some negative reviews, USAA generally receives positive feedback for its claims handling, with customers reporting efficient and satisfactory experiences.
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Frequently asked questions
USAA is rated highly for auto insurance, with a score of 4.7 out of 5, and is the second cheapest option in many driver categories. USAA's auto insurance rates are typically lower than the national average and are often more competitive compared to other major insurers. However, some customers have had negative experiences with USAA's claims handling process, while others have praised it.
USAA is rated highly for home insurance, receiving 4.9 out of 5 stars overall, and is the highest-rated company for loyalty, value, and bundling of home and auto insurance. USAA's home insurance rates are 3% cheaper than the national average, with an average premium of $193.44 per month. However, USAA's home insurance is not available to those who aren't military-affiliated.
USAA is a good choice for teens and young adults as their rates are significantly cheaper than the national average for these age groups. For example, USAA's average rate for an 18-year-old driver is 51% cheaper than the national average. USAA also offers various discounts for young drivers, such as the USAA SafePilot program, which offers discounts of up to 30% for good driving behaviour.
USAA's rates for drivers with a DUI on their record are over $1,200 less than the national average. Therefore, USAA is a good option for those with a DUI who are looking for more affordable insurance rates.
USAA is a good choice for military members and their families as it offers military-focused options and discounts. USAA's rates are lower than the national average, making it an affordable option for this demographic. Additionally, USAA scored highly in customer and claims satisfaction surveys, indicating that military members and their families would likely be satisfied with the company's service.
