USAA Auto Insurance

USAA Auto Insurance Logo

8.5

Overall Score

USAA Auto Insurance

Services for military members and families

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USAA insurance was founded on the principles of people helping people, when 25 military men agreed to insure each other's vehicles when no one else would. Memberships are open to U.S. military service members, veterans with an honorable discharge and their eligible family members, with some policy types available to the public.Since its founding, USAA has expanded the services they offer to include other types of insurance as well as banking for all Armed Forces members, past and present, and their families.

The Good

  • Coverage features
  • Service coverage
  • Discounts
  • File/Track Claims

Coverage Features

All policies are custom-created to meet the insured's needs, budget and state minimums. Additional coverages can be added into the policy.

  • Property damage liability
  • Bodily injury liability
  • Uninsured and underinsured motorist
  • Comprehensive coverage
  • Collision coverage
  • Liability coverage
  • PIP
  • Extended benefits
  • Roadside assistance
  • Rental reimbursement
  • Accident forgiveness

Service Coverage

The company provides their products and services in all 50 states, which can only be said about a handful of the largest insurance companies. This availability is somewhat tempered by the fact that only service members and their immediate family have access to their services. USAA also offers a great opportunity for members who want to add a policy to their home, with up to 75 percent of the home's insured value with no depreciation factored for all members.

Discounts

  • Driver training
  • Multi-vehicle
  • Family tradition
  • Good student
  • Safe driver
  • Accident forgiveness

Membership savings include discounts for family members, multi-product savings, long-term customer rewards and discounts for vehicles stored in military installation garages. A free mobile phone app for iPhone, iPad, Android and even Windows Phone provides access to insurance, banking and investment services. Members can check balances, pay bills, access auto ID cards and do many other essential things.

Agents and reps of USAA are exceptionally friendly and helpful. Based on our experience and hundreds of online reviews from numerous websites, USAA employees tend to be highly professional, compassionate, understanding and willing to assist members in expediting claims based on individual needs.

File/Track Claims

The claims process appears to be efficient and fair, and claims can be filed either over the phone or online at the USAA website. Claims can be tracked online, or a USAA rep can guide members through the process step by step. They provide a lot of help throughout the claims process, including locating a repair facility, renting a replacement vehicle, and facilitating replacement of stolen or damaged electronic equipment.

The Bad

  • Coverage limitations
  • Service hours
  • Qualified clients
  • Claims process

Coverage Limitations

USAA doesn't have as much policy flexibility as other major insurance companies. Some optional coverages are only available in limited areas. For example, accident forgiveness in not available to members in North Carolina, California, New York, Maine or Delaware.
Roadside assistance is provided through USAA towing and labor coverage at a super low rate, but the coverage is fairly limited. For example, they will only tow to a local repair shop within 14 miles. If a customer needs to go farther than that, they will have to pay for it. Compare that to AAA, which tows up to 100 miles.

Service Hours

For some reason, USAA has limited service hours for their claims office, which can be frustrating for members trying to get hold of a rep during off hours. The website can be used to file a claim 24 hours a day, seven days a week, but some people prefer to call and speak to an actual human being. For those individuals, the limited hours will be especially annoying.

Qualified Clients

Of course, the biggest negative that can be said about USAA is that they only offer their services to military personnel and their qualifying family members. This means most people cannot take advantage of their affordable rates, even though the company operates in all 50 states. Though they have flirted with offering limited services to non-military customers over the years, it is doubtful that this will ever be the norm.

Claims Process

Though customer service seems to be really good on the whole, there have been a number of complaints from members who have had trouble with the claims process. Most of these complaints have to do with response times. However, a number of people have noted a tendency to declare a damaged vehicle a total loss even when the damage is not severe.

The Bottom Line

Any military personnel or qualifying family members will do well to consider USAA for their insurance needs. They provide some of the most affordable rates on the market, much lower than many of their competitors. Combined with a few good discount options and great customer service, it is difficult to think of a good reason for those who have access not to take advantage of these great rates.

They don't have the widest number of insurance options, but what they do have is great and covers all of the essentials. Claims service hours are limited, which can be frustrating, but the ability to file and track claims online should help. USAA is definitely worth looking into for all your insurance needs and comes highly recommended.

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User Reviews

4.6

113 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

Sort by:
Joni
May 21st, 2018 Edmond, OK DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

Excellent service, great customer service, easy to submit claim, long time customer

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Edward Whaley
May 21st, 2018 Joplin, MO DETAILS
Value for your money
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Company trustworthiness

When you talk they listen If you ask a question they answer itl If you have a problem they help you.

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Philip C Major
May 21st, 2018 Manhattan, KS DETAILS
Value for your money
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Company trustworthiness

Great Service, Great Price. They have always provided prompt coverage for any claims and cover both my home and auto

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Juan Martinez
May 21st, 2018 Harlingen, TX DETAILS
Value for your money
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Usaa can assist you 24/7 it's on line access is wonderful. Their representatives are always friendly and knowledgeable. Yes its a little pricier than others but well worth it

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Friend
May 21st, 2018 Waverly, GA DETAILS
Value for your money
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I have been with them over 25 years and enjoy their friendly and helpful staff.

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Megan
May 16th, 2018 DETAILS
Value for your money
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They have been amazing! I’m currently living in Canada but had to get a driver’s report from them right away for my husband’s new insurance. They instantly got it for me & the customer service rep from USAA was super helpful and sweet. Definitely go with them!

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Ashlee M Jessen
May 16th, 2018 Provo, UT DETAILS
Value for your money
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I've never had a bad experience with USAA. I was nervous because there's no brick and mortar where we live, but they've always been fast to help me over the phone and the app is great.

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David Kruger
May 11th, 2018 DETAILS
Value for your money
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I have been insured by USAA since 1953 and have excellent service for these 65 years.

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Gollaher Michael
May 11th, 2018 DETAILS
Value for your money
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Company trustworthiness

They did not cover my son's accident five years ago. Used a lawyerly gimmick to opt out.

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Paul
May 7th, 2018 Phoenix, AZ DETAILS
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Best price and rates and excellent customer service

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Rob
May 7th, 2018 Malta, OH DETAILS
Value for your money
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Company trustworthiness

When I call for insurance questions, they always do an insurance survey to be sure I'm covered at a good rate.

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Mel Shipton
May 2nd, 2018 Salt Lake City, UT DETAILS
Value for your money
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Haven't found better customer service with any other insurance company!

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Katie Hope
May 2nd, 2018 Easton, PA DETAILS
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Company trustworthiness

Fantastic service! Fast and easy. Get a real person every time you call! Trustworthy, knowledgable would highly recommend!

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Marlene
May 1st, 2018 Taylorsville, UT DETAILS
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Daughter had accident that totaled car. They took care of paying off car quickly.

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Dallin
April 30th, 2018 Provo, UT DETAILS
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USAA is the best I love their services and have nothing but good to say about them!

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Jeffrey Foutz
April 23rd, 2018 American Fork, UT DETAILS
Value for your money
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Company trustworthiness

Rates are fairly low. They're easy to get a hold of when needed. Getting to the correct representative to get things done on policy can be very time consuming and a bit of a pain.

Helpful?
Anne Marie Milne
April 20th, 2018 Layton, UT DETAILS
Value for your money
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Company trustworthiness

My partner comes from a military family. Feel very honored she gets to have the insurance because her father served. I feel so honored with anything that the military does. Such great pride for my father in law.

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Chase Huntzinger
April 16th, 2018 Provo, UT DETAILS
Value for your money
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Company trustworthiness

Not the best rates but good service. But still would recommend.

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Jeff Martin
April 12th, 2018 Layton, UT DETAILS
Value for your money
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Company trustworthiness

Love the way they handle my policy and those of many of our military personel.

Helpful?
Kathy McLean
March 26th, 2018 Arlington, TX DETAILS
Value for your money
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Company trustworthiness

They go above and beyond! Prompt on service and use Service King here in TX and they are wonderful.

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Nancy Presnall
March 26th, 2018 Enid, OK DETAILS
Value for your money
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Company trustworthiness

Great coverage and service. They stand behind their policy holders in every way. I have had my auto and homeowners policies with them for about 15 years, and when rental houses were acquired they were insured with USAA too. Claims have all been handled fairly and professionally. I have no complaints at all and would recommend USAA without reservation. I referred a friend and she was ineligible, and USAA even helped her find a company that would cover her.

Helpful?
Paul Weimar
March 26th, 2018 Jensen Beach, FL DETAILS
Value for your money
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Company trustworthiness

Lowest rates and top notch service. I've been with them since 1985. Every time I try to get the same coverage elsewhere, I found they are the lowest.

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John Alcorn
March 26th, 2018 Hattiesburg, MS DETAILS
Value for your money
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Company trustworthiness

Prompt response. Excellent coverage and takes care of customer. Non-profit

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Clint
March 26th, 2018 Gilbert, SC DETAILS
Value for your money
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Company trustworthiness

Best customer service by far. Geared towards veterans

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ElaineSweidel
March 26th, 2018 San Antonio, TX DETAILS
Value for your money
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Company trustworthiness

Outstanding Customer Service, excellent claims process, great website

Helpful?
Frankie Light
March 16th, 2018 Media, PA DETAILS
Value for your money
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Company trustworthiness

They provide Great service at low rates, while maintaining quality

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Karen
March 16th, 2018 Portland, OR DETAILS
Value for your money
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Company trustworthiness

Helpful, professional, and responsive when assistance is needed.

Helpful?
Anonymous
March 16th, 2018 Chandler, AZ DETAILS
Value for your money
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Company trustworthiness

They take care of their people; they are fair in claims department. The banking is the best. Military supported by us.

Helpful?
Anna
March 16th, 2018 Niles, MI DETAILS
Value for your money
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Company trustworthiness

alway been there if and when we need them.

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VAnce VanderBurg
March 16th, 2018 Niles, MI DETAILS
Value for your money
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I think their rates are competitive. They have always been easy to work with.

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Gene Gaines
February 21st, 2018 Sterling, VA DETAILS
Value for your money
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Company trustworthiness

I have had 4 accidents in 60 years. Each time USAA went beyond what was legally required to assist me and my family.

Helpful?
John Thompson
February 12th, 2018 Helotes, TX DETAILS
Value for your money
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Company trustworthiness

After 53 years and never a problem when I had to file a claim, how else would I rate them?

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Neil Minton
February 12th, 2018 Carrollton, TX DETAILS
Value for your money
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This company goes out of their way to handle a claim fairly and swiftly.

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Colvin Doughty
February 12th, 2018 Bellevue, WA DETAILS
Value for your money
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Company trustworthiness

Though I've had little need for their service whenever I've contacted them they have responded efficiently and effectively. When I've had an accident I felt I was fully and well represented.

Helpful?
Dennis Kimberlin
February 12th, 2018 Phoenix, AZ DETAILS
Value for your money
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Company trustworthiness

Been with them for 34+ years. The reason is that they are trustworthy and treat military retirees with respect. You can probably get insurance for less but will the quality of service be the same? I don't think so!

Helpful?
George Johnston
February 5th, 2018 Tampa, FL DETAILS
Value for your money
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Company trustworthiness

Had them for over 40 years and service has always been top quality.

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Eugenia Marcus
February 5th, 2018 DETAILS
Value for your money
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Company trustworthiness

We have had them for 50 years. Claims have been resolved quickly and easily.

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John Johnston
February 5th, 2018 Jacksonville, NC DETAILS
Value for your money
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Company trustworthiness

Because they have great prices on auto, insurance,home insurance and a lot more to offer plus they take care of people who serve for our country and the people that work there are always there for you I would like to thank all the people that work there they do an outstanding job thanks

Helpful?
Ken Harrison
February 5th, 2018 Mount Pleasant, TX DETAILS
Value for your money
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Company trustworthiness

Sorry folks at USSA and very sneaky. Over 20 years and I would rate them lower than 1 if I could.

Helpful?
Luke
February 5th, 2018 Heber, UT DETAILS
Value for your money
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Company trustworthiness

Affordable prices, great friendly customer service, and excellent coverage

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