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USAA Car Insurance Review

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USAA Auto Insurance Introduction

You may be best familiar with USAA's car insurance products. USAA is considered to be one of the best car insurance companies. So we at Way.com have decided to get some boots on the ground and review how the car insurance company USAA performs for its customers.

USAA, short for United Services Automobile Association, is a well-known insurance and financial services provider. USAA, which considers its consumers to be "members," has stringent requirements for its insurance plans and other goods

Pros and Cons

PROS CONS
Lowest average annual premium Eligibility restrictions
Positive customer interaction No Brick and mortar locations
Claims satisfaction Certain states limit coverage

Unique USAA auto insurance features

USAA focuses on providing the military community with several unique programs and discounts from other insurance companies. USAA member perks and shopping discounts have saved members over $370 million in categories including travel, fitness, and car care. Several fantastic bonuses are designed to save military families money, ranging from 30% off Goodyear tires to 15% off a new SimpliSafe DIY security system.

USAA's SafePilot program, available in most states, gives good drivers up to a 30% reduction on their insurance. The SafePilot app keeps track of things like harsh braking and texting while driving and when and how often you drive. Just for signing up, you'll earn a 10% discount.

USAA auto insurance coverages

Rideshare Insurance - In response to the expansion of ridesharing companies such as Uber and Lyft, USAA now offers rideshare insurance with guaranteed repairs at over 2900 locations nationwide. Your existing policy can also be supplemented with rideshare gap coverage. Generally, ridesharing firms cover some responsibility when drivers are on their way to pick up a passenger and until they leave them off, but not between rides; this coverage fills that gap. If you work for a delivery service, it may also cover you.

Mechanical breakdown insurance - Mechanical breakdown insurance is not available through USAA. Mechanical breakdown insurance (MBI) is a type of car insurance coverage only offered by a few insurers. It pays for repairs not caused by routine maintenance, wear, and tear, or an accident.

Emergency road service - With a plan that includes fuel delivery, jump starts, lockout services, and towing to the nearest repair shop, you'll be ready for any roadside emergency. USAA provides roadside assistance in an emergency, such as a flat tire or a tow.

Accident forgiveness - Accident forgiveness is available through USAA for further savings. We prefer USAA's accident forgiveness feature, which some competitors don't offer. When you have been accident-free for five years with USAA, the auto policy surcharge for your first at-fault accident will be eliminated. However, California, Connecticut, Delaware, New York, and North Carolina policyholders are not eligible for this choice. USAA will not raise your car insurance premiums after one at-fault accident if you have this add-on policy, free in some areas after five years of accident-free with the business.

Glass coverage - When you use USAA Auto Glass Network, you have the right to have your glass repaired or replaced at any business of your choosing.

Rental reimbursement - If your car needs to be repaired, USAA offers rental reimbursement. Get a rental car reimbursement while your car is repaired after an accident covered by your policy.

To understand types of auto insurance coverage in detail, check
https://www.way.com/blog/types-of-car-insurance-coverage/

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USAA auto insurance coverage limits

The average representative rate for a USAA customer with minimal coverage is $831. The representative rate increases to $882 for medium coverage and $939 for high coverage. To put it another way, increasing insurance coverage from low to high coverage costs only $9 per month.

Low Coverage: Liability limits set by the state.

Medium Coverage:

Amount of coverage Purpose of coverage
$50000/$100000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$50000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

High coverage:

Amount of coverage Purpose of coverage
$100000/$300000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$100000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

USAA auto insurance rates

According to our research, USAA is by far the cheapest of the leading auto insurance providers we rank, with an average annual rate of $882. In addition, among all the organizations in our rankings, this rate is 40% lower than the national average. Customers who qualify for USAA membership are likely to save a lot of money in general.

Keep in mind that your premium will be determined by various criteria, including the amount of coverage you choose, your age, where you reside, your driving record, and more.

USAA car insurance rates by age

  • USAA Rates for Teen Drivers - USAA can be considered one of the best car insurance for students. Teen drivers pay 40 to 43% less than the national average with USAA. Drivers who do not qualify for USAA membership may obtain lower rates with Allstate or Travelers.
Age Bracket and Gender Rates
18-year-old female driver $2721
18-year-old male driver $2961
  • USAA Rates for Young Adults - Young adult driver rates at USAA are the lowest in our survey, almost 30% lower than the national average. The General's rates compete for this group of drivers, while USAA's are the best.
Age Bracket and Gender Rates
<25 or 25-year-old female driver $1038
<25 or 25-year-old male driver $1092
  • USAA Rates for Seniors - Senior driver rates at USAA are the lowest in our survey, ranging from 34% to 36% lower than the national average. They're also 25% to 27% cheaper than The General's rates, which are the second-lowest for this category of drivers.
Age Bracket and Gender Rates
60-year-old female driver $762
60-year-old male driver $765

USAA car insurance rates by coverage

Type of Drivers USAA annual rates
Good Drivers $882
Drivers with a speeding ticket $1053
Drivers who cause at-fault accidents $1227
Drivers with a DUI $1671
  • USAA Car Insurance for Good Drivers - Good drivers who qualify for USAA membership may qualify for rates roughly 34% lower than the national average. Drivers who aren't eligible for USAA membership should acquire quotations from The General and State Farm.
  • USAA Car Insurance for Drivers With a Speeding Ticket - When a speeding ticket is added in, USAA's rates rise by around 20%, but they're still about 35% lower than the national average. Drivers who don't qualify for USAA membership should look into State Farm, which offers the second-lowest prices in this category.
  • USAA Car Insurance for Drivers Who Caused an Accident with Injury - After an accident, USAA's rates are roughly 35% lower than the national average. State Farm, which comes in second in this area, also has competitive rates, and however, they are 15% higher than USAA's.
  • USAA Car Insurance for Drivers With a DUI - Even though USAA has lower rates in every other category, drivers with a DUI may find State Farm more affordable. Nonetheless, USAA's rates are 21% cheaper than the national average.

USAA Average Insurance Cost By State

       
Alabama $117 Minnesota $102
Alaska $93 Mississippi $84
Arizona $111 Missouri $72
Arkansas $81 Montana $81
California $168 Nebraska $99
Colorado $108 Nevada $141
Connecticut $123 New York $204
Delaware $81 New Mexico $99
District of Columbia $87 North Dakota $66
Georgia $135 Ohio $72
Hawaii $93 Oklahoma $117
Idaho $63 Oregon $87
Illinois $123 Pennsylvania $99
Indiana $75 Rhode Island $117
Iowa $81 South Carolina $105
Kansas $96 Tennessee $87
Kentucky $108 Texas $129
Louisiana $165 Utah $84
Maine $60 Virginia $93
Maryland $138 Washington $81
Massachusetts $126 Wisconsin $66
Michigan $126 Wyoming $108

USAA auto insurance discounts

Even though USAA has the lowest prices among the prominent auto insurance companies in our survey, discounts can help you save even more money on your auto insurance premiums.

If you are a current or prospective USAA client, speak with a representative to learn about the available discounts.

Many of USAA's discounts are standard in the auto insurance business, but some are unique because they serve military families.

The following are the discounts offered by USAA:

  • Discount for safe drivers
  • Discount on a defensive driving course
  • Student discounts
  • Discount on new cars with advanced safety or theft protection systems that are less than three years old.
  • Discount for multiple vehicles car insurance auto in storage gets a discount (such as during a military deployment)
  • Annual mileage discount
  • Loyalty discount
  • Bundling or multi-policy discounts
  • Discount for families
  • Discount for military personnel living on base
  • Discount for having a clean driving record
  • Discount for the SafePilot driver tracking program

USAA customer feedback and satisfaction report

Only consumers with a military tie are eligible to join. The current USAA customers in our survey claimed that they would recommend USAA to others.

The consumers are generally happier than customers of competing insurance firms, even if some of them believe there is space for improvement. Most USAA car insurance reviews mention prompt claims handling and trustworthy agents. Customer satisfaction is good in the majority of USAA insurance reviews.

In short, anyone who fits USAA's membership criteria should think about joining.

Way.com Summary

‘For individuals eligible for USAA membership, the inexpensive rates and excellent customer service make it an excellent choice. Despite the shortage of available discounts, it normally offers reasonable auto insurance rates. Because of its inexpensive rates, USAA is an excellent choice for auto insurance, particularly for young drivers. Overall, USAA is an excellent car insurance provider.’

About USAA Car Insurance

One of the best car insurance companies in the business is USAA. USAA insurance ratings are overwhelmingly excellent, and it's known for its low rates and extensive coverage options (including accident forgiveness). However, not every driver is eligible for coverage, and military personnel and their immediate family members are the only ones covered by USAA insurance.

Even though USAA does not have any public branches (apart from a few military bases), its customer satisfaction ratings are still very good. USAA's site has information about coverage options. Planners and calculators can assist you in determining your financial requirements.

The USAA app is available for Apple and Android smartphones and allows secure account access. You can pay invoices, obtain identification cards, request roadside assistance, and register a claim.

The company is based in San Antonio, Texas, and offers a variety of insurance products, including vehicle insurance, renters insurance, homeowners insurance, property insurance, life insurance, and more.

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A Brief History of USAA

The United States Automobile Association (USAA) was created in 1922 to serve the military community. Twenty-five army officers founded it to give car insurance to each other. It continues in this vein today, delivering various financial solutions to a variety of military personnel.

USAA is located in San Antonio, Texas, and serves approximately 13 million members in all 50 states with 48.8 million products.

USAA's Charitable Causes

The USAA Educational Foundation and The USAA Foundation Inc. offer support and assistance to military employee communities and the military community at large. These organizations attempt to create a positive impact in military communities by offering financial support to local NGOs whose needs correspond with the needs of USAA members through donations and partnerships.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much is USAA car insurance?

According to our research, USAA is by far the cheapest of the leading auto insurance providers we rank, with an average annual rate of $882.

Does USAA insurance cover rental cars?

If your car needs to be repaired, USAA offers rental reimbursement. Get a rental car reimbursement while your car is repaired after an accident covered by your policy.

Is USAA car insurance good?

For drivers eligible for USAA membership, USAA auto insurance is a smart alternative. USAA reviews from consumers often praise the company's low prices.

Who is eligible for USAA car insurance?

If you are an active, retired, or veteran who has been discharged honorably from the US military, you are eligible. The membership also extends to their qualifying family members, who are eligible to join USAA.

Will USAA insure a salvage car?

Yes, USAA will cover cars with a salvage title, and USAA would offer full coverage insurance if the car were restored and examined after recovering. A car with a salvage title, on the other hand, will not be covered by any reputable insurer because it is illegal to drive.

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