BestCompany.com is trying to work directly with this company to verify the accuracy of the information on this page. Thank you for your patience as we make sure we’re getting it right.
Are you a representative
of this company?Claim this Profile
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.
All policies are custom-created to meet the insured's needs, budget and state minimums. Additional coverages can be added into the policy.
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.
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.
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.
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.
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.
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.
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.
As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. For more information on how we rank companies, click here.
All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.
Excellent service, great customer service, easy to submit claim, long time customer
When you talk they listen If you ask a question they answer itl If you have a problem they help you.
Great Service, Great Price. They have always provided prompt coverage for any claims and cover both my home and auto
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
I have been with them over 25 years and enjoy their friendly and helpful staff.
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!
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.
I have been insured by USAA since 1953 and have excellent service for these 65 years.
They did not cover my son's accident five years ago. Used a lawyerly gimmick to opt out.
Best price and rates and excellent customer service
When I call for insurance questions, they always do an insurance survey to be sure I'm covered at a good rate.
Haven't found better customer service with any other insurance company!
Fantastic service! Fast and easy. Get a real person every time you call! Trustworthy, knowledgable would highly recommend!
Daughter had accident that totaled car. They took care of paying off car quickly.
USAA is the best I love their services and have nothing but good to say about them!
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.
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.
Not the best rates but good service. But still would recommend.
Love the way they handle my policy and those of many of our military personel.
They go above and beyond! Prompt on service and use Service King here in TX and they are wonderful.
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.
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.
Prompt response. Excellent coverage and takes care of customer. Non-profit
Best customer service by far. Geared towards veterans
Outstanding Customer Service, excellent claims process, great website
They provide Great service at low rates, while maintaining quality
Helpful, professional, and responsive when assistance is needed.
They take care of their people; they are fair in claims department. The banking is the best. Military supported by us.
alway been there if and when we need them.
I think their rates are competitive. They have always been easy to work with.
I have had 4 accidents in 60 years. Each time USAA went beyond what was legally required to assist me and my family.
After 53 years and never a problem when I had to file a claim, how else would I rate them?
This company goes out of their way to handle a claim fairly and swiftly.
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.
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!
Had them for over 40 years and service has always been top quality.
We have had them for 50 years. Claims have been resolved quickly and easily.
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
Sorry folks at USSA and very sneaky. Over 20 years and I would rate them lower than 1 if I could.
Affordable prices, great friendly customer service, and excellent coverage