If you or your parent or spouse is in the military, USAA Insurance is an excellent insurer to work with. Its mobile app and online account management make it simple to file claims, pay premiums, and print identification cards.

USAA also offers good coverage options, including coverage for rideshare drivers. USAA offers a wide variety of discounts, which you can benefit from as well.

Read USAA Reviews

The Good

  • Positive Reviews
  • High Financial Strength Ratings
  • Good Coverage Options
  • Rideshare Coverage Available
  • Variety of Discounts
  • Easy to Work With

Positive Reviews

Best Company has received many USAA auto insurance reviews. An overwhelming majority of reviews are 4 or 5 stars. 

Reviewers praise USAA for its customer service and competitive rates. Several reviews also reflect claims satisfaction.

With such a high level of customer satisfaction, you can be confident when working with USAA for car insurance coverage.

High Financial Strength Ratings

USAA has received high financial strength ratings, which means that the insurance provider is financially stable and likely to be able to meet its claims obligations.

High ratings are common among top insurers.

Good Coverage Options

USAA offers excellent coverage options. It's policies can include the following coverages:

  • Comprehensive and collision coverage
  • Liability coverage
  • Personal injury protection (PIP)
  • Extended benefits coverage (added with medical payments coverage)
  • Uninsured and underinsured motorist bodily injury and property damage coverage
  • Roadside assistance
  • Rental reimbursement
  • Accident forgiveness (free after 5 years without any at-fault accident)

With so many kinds of coverage, you can easily find a good policy that meets your needs.

Rideshare Coverage Available

USAA stands out from other auto insurers for its rideshare coverage offering. This coverage starts at $6 per month and can be added to your existing policy to bridge the gap in coverage.

Variety of Discounts

USAA offers many discounts. You can take full advantage of these discounts to save money on your car insurance policy.

USAA offers the following discounts:

  • Safe Driver
  • Defensive Driving Course
  • Driver Training (for people under 21)
  • Good Student
  • New Vehicle
  • Multi-Vehicle
  • Annual Mileage
  • Vehicle Storage
  • Family Discount
  • Length of Membership Savings
  • Military Installation (garage vehicle on base)

If you buy a USAA car insurance policy and renters or homeowners insurance, you can save 10 percent on your renters or homeowner policy.

While this discount applies only to renters and homeowners insurance, you can still benefit if you need either of those insurances and an auto policy.

Easy to Work With

USAA has a reputation of being easy to work with and accessible. You can benefit from these features from start to finish when you purchase a car insurance policy from USAA. 

You can get a insurance rate quote online, manage your policy, print identification cards, file claims through USAA's online claims center, and adjust your payment schedule. USAA even has a secure mobile app that you can use to view your auto identification card, request roadside assistance, report claims, and view the accident checklist.

With so many convenient and accessible features, working with USAA can be an excellent experience.

Additional Products and Services

USAA offers several other types of insurance products. You can find home insurance, life insurance, renters insurance and more.

You can also find financial services like loans and banking through USAA.

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The Bad

  • Must Meet Eligibility Requirements
  • Some Types of Coverage Not Available Everywhere

Must Meet Eligibility Requirements

If you want to buy car insurance from USAA, you'll need to become a USAA member. U.S. military members and veterans, pre commissioned officers, their spouses and children can all join. USAA does not charge a membership fee.

If you're not eligible for USAA membership, you'll need to look into other options.

Some Types of Coverage Not Available Everywhere

You'll need to work with USAA directly to understand specific offerings in your area. While many of its services are available widely, not all of its coverage options are. For example, accident forgiveness coverage isn't available in all states. 

While this variation can be frustrating, USAA offers many good policy options and discounts that you can benefit from. 

The Bottom Line

USAA is an excellent company to work with if you're connected to the military. USAA car insurance reviews on BestCompany.com are overwhelmingly positive. 

You'll benefit from good coverage options, including the ability to add rideshare gap coverage. You'll also find good discounts and excellent service.

We recommend working with USAA to learn more about your coverage options.

User Reviews

Star Rating

4.7
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351 Reviews

Review Breakdown

5 star
83%
4 star
11%
3 star
3%
2 star
1%
1 star
2%

Sentiment Criteria

Value for your money
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William

May 26th, 2020 DETAILS arrow_drop_down

New to USAA. Heard of them but had not used. Initial contact was very professional and informative. I a so glad I contacted them.

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William Crandall

May 26th, 2020 DETAILS arrow_drop_down

41 years of the best service possible!!!!! They have always been there for me. A truck ran a stop sign and totaled my vehicle. USAA represented with others insurance company and the other insurance company admitted total fault.

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Larry Luter

May 26th, 2020 DETAILS arrow_drop_down

I've been with USAA for 44 years. I have never in all those years had an issue with products or services.

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Carolyn

May 26th, 2020 DETAILS arrow_drop_down

They have always been wonderful to work with! If there is a problem, they go beyond what is expected!

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Lori Bain

May 26th, 2020 DETAILS arrow_drop_down

They are responsive, courteous, professional, and always handle things quickly.

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GordonEllison

May 26th, 2020 DETAILS arrow_drop_down

Wife was victim of State Farm insured car accident. USAA handled our claim very professionally as to value of her car and subsequent medical charges.

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L Wakefield

May 26th, 2020 DETAILS arrow_drop_down

45 yr member. Zero problems, fast resolution for every claim.

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James P. Blok

May 26th, 2020 DETAILS arrow_drop_down

I have been a USAA car insurance customer for over 45 years. They have always provided high quality coverage at reasonable and fair prices. USAA has also handled my claims and other situations quickly, fairly and professionally. It is one of the few corporations in America that still functions openly and with the utmost integrity.situations

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LINDA D.

May 26th, 2020 DETAILS arrow_drop_down

Have been a member since 1971. Professional and knowledgeable and service minded.

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Deb

May 26th, 2020 DETAILS arrow_drop_down

I recently was in a parking lot fender bender. It wasn’t my fault. It was a little awkward resolving the claim during a pandemic, but we got it done.

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Arthur Gresham

May 26th, 2020 DETAILS arrow_drop_down

All my claims, whether my fault or others, have been equally fairly treated, and resolved.

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Dave Brucker

May 26th, 2020 DETAILS arrow_drop_down

First class. Been a member/insured for 63 years! Never a problem. Always great service.

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Jack Bartscher

May 26th, 2020 DETAILS arrow_drop_down

Over 40 years with them. Great rates, super staff, always there when you need th. Simply the best.

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G Frank Rogers

May 26th, 2020 DETAILS arrow_drop_down

I've never had a bad experience USAA. This includes claims as well as other times they have assisted me. I also receive regular dividends as well. My adult children have thier own insurance with USAA too.

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Martin Boyle

May 26th, 2020 DETAILS arrow_drop_down

USAA always handled my claims promptly and fairly.

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VICTORIA CLARKE

May 26th, 2020 DETAILS arrow_drop_down

My husband has hit two deer in the past. USAA treated him with courtesy and respect. The repair process was seamless. A+

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Denise Pavan

May 26th, 2020 DETAILS arrow_drop_down

Quick responses/assistance with claims. Staff are very well versed in customer service

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Judith Tribby

May 26th, 2020 DETAILS arrow_drop_down

Excellent and timely service. Representatives are always professional. USAA is easy to deal with and is an excellent value.

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Ronald Kemp

May 26th, 2020 DETAILS arrow_drop_down

Always responsive to customer needs. Friendly responsible and reasonable able. I have been a customer with USAA for over thirty years and have been totally satisfied with the service. Most of my former work associates were customers and to my knowledge have been happy clients.

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Randy Federspill

May 26th, 2020 DETAILS arrow_drop_down

The BEST customer and employee focused insurance company! A member since I was 16yo over 40 years ago.

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Gregory H. Talley

May 26th, 2020 DETAILS arrow_drop_down

Excellent customer service. Great discounts. Excellent value package. Dividens to all customers. 100 percent military support and respect towards service members and their family.

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James Strassburg

May 26th, 2020 DETAILS arrow_drop_down

Even after purchasing a new car my coverage went up much less than I had expected. I’ve Ben with USAA for over 5 years and my premiums have not had large increases after the initial policy renewal like other companies I’ve had.

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Deborah S

May 26th, 2020 DETAILS arrow_drop_down

I have been with USAA for more than 10 yrs now and without a doubt the best insurance company I have ever had. Their customer service is excellent, their rates are really good, and in time of crisis they are there for you, which I know from personal experience.

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Les Sweigart

May 26th, 2020 DETAILS arrow_drop_down

Have been with this company for 50 years and have home, cars, umbrella and other policies with this company.

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Russel Blatt

May 26th, 2020 DETAILS arrow_drop_down

I've been with them for 62 years, multiple children, multiple cars, a few accidents, and they've always come through.

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Linda J. Greth

May 26th, 2020 DETAILS arrow_drop_down

Always there for us no matter what. Great service and customer care.

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Debra Lang

May 26th, 2020 DETAILS arrow_drop_down

Lost a car in a fla. hurricane and I had a check from USAA immediately

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Frank Brierton

May 26th, 2020 DETAILS arrow_drop_down

They are HONEST and dependable,. trustworthy. loyal, and with a.reasonable cost

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TIMOTHY

May 26th, 2020 DETAILS arrow_drop_down

Outstanding service, excellent value. Subscriber Savings Account provides Holiday Cash dividends and Senior members receive a separate dividend!

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Nicholas

May 26th, 2020 DETAILS arrow_drop_down

We have had USAA insurance for almost 50 years. They are a class act and immediateky respond to any call. Luckily, we have had to use them for accidents only 2 times

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Diane Lower

May 26th, 2020 DETAILS arrow_drop_down

Have had them since 1974. Very responsive, agents assigned to claims kept me informed and worked hard for me. Always paid what was in contract without any legal push.

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Devin Cutter

May 19th, 2020 Long Beach, CA DETAILS arrow_drop_down
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My family has used USAA’s banking and auto insurance for three generations. Naturally, I was skeptical. When it was time for me to choose my own car insurance, I was in college and needed to save money and spend as little as possible. I did a lot of research and cost comparison, and USAA offered the best coverage with the best rates. I have been extremely happy with their service for all these years, and luckily have not had to file any claims (knocking on wood as I type this). When I started with them, they offered me student discounts and deductions based on number of years without accidents. Most recently, during the Covid stay-at-home orders, they gave customers cash back for not driving, no questions asked. I 100% recommend USAA to anyone who is able to use their services.

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Mike

May 12th, 2020 Trenton, NJ DETAILS arrow_drop_down
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They provide Great Customer Service & unbeatably price

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Terance La Croix

May 12th, 2020 Nuevo, CA DETAILS arrow_drop_down
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USAA is excellent car insurance. I’ve been with them for over 20 years and has two claims that where taken care of very quick.

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Mike Greer

May 12th, 2020 Fairfield, CA DETAILS arrow_drop_down
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Great company. Good customer service. Minimal calls you have to make for service. Very helpful.

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Chris M

May 8th, 2020 Duluth, GA DETAILS arrow_drop_down
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I have had USAA for several years before I decided to switch. During that time USAA has had amazing customer service, but has been fairly expensive. So I'm giving it 3 stars because they are expensive and they do not know what they are talking about. The last couple months I had USAA I had some issues with the bill and each representative I talked to could not explain to me what the problem was with the bill. They kept having to get another representative and overall they could not help me lower my bill because for some crazy reason, the last premium they calculated was for 5 months (instead of 6) and they could not help me at all by making it 6 months again, no matter how many times I called and tried. We switched because they were unclear about explaining the bill every single time.

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Tom George

May 5th, 2020 Las Vegas, NV DETAILS arrow_drop_down
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Excellent claims service. We have had to file two separate claims. Each time USAA was quick to take care of out needs.

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Peter Caesar

April 30th, 2020 Charlotte, NC DETAILS arrow_drop_down
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Been with USAA for over 17 years. Never had any issues with car insurance or claims. Great customer service.

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Nathan

April 28th, 2020 North East, MD DETAILS arrow_drop_down
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Best car insurance I've ever had. Plenty of discounts and customer service is awesome. Everytime I call they are incredibly helpful. They called the tow truck companies several times and without a charge since it was under a specific distance from home.

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Kain

April 17th, 2020 DETAILS arrow_drop_down
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excellent. been with usaa for years dont see ever changing

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Kristen Vineyard

March 17th, 2020 Providence, UT

I love you guys! The service is great and I feel like I always get treated like family!

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Mark

March 16th, 2020 DETAILS arrow_drop_down
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Fast easy great service - could get better with lower prices

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Brayden Ibert

March 11th, 2020 Covington, LA

Had an accident with a person covered with USAA. The representative was difficult to work with.

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Michael Howard

March 10th, 2020 DETAILS arrow_drop_down
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Precisely on time with all transactions and requests.

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Jerry Anderson

March 10th, 2020 DETAILS arrow_drop_down
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Great service and easy to contact. They have always been outstanding for all my claims.

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Debbie

March 10th, 2020 DETAILS arrow_drop_down
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Very responsive to the needs of clients.

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cindy m

March 10th, 2020 DETAILS arrow_drop_down
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I have used usaa for over 25 years, best rates, great service, wonderful agents, highlly recommend

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Aaniyah Crawford

March 10th, 2020 DETAILS arrow_drop_down
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Love them all around . Always amazing and always helpful. Never a bad moment with them. Very friendly

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Cole Bailey

March 7th, 2020 Houston, TX DETAILS arrow_drop_down
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I use USAA with my family’s auto insurance. It is a really big help and we have a discounted price compared to other agencies.

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Logan Hudson

March 7th, 2020 Norcross, GA DETAILS arrow_drop_down
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I have been a USAA auto insurance member for 5 years now, and I can say the price is very affordable for my age. The customer service over the phone has been superb and I can see myself sticking with USAA.