USAA ID Protection


Overall Score

3 User Reviews

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United Services Automobile Association (USAA) is an insurance company that was founded by 25 army officers in San Antonio, Texas, in 1922. The privately-held company offers its services exclusively to former and current members of the military and their families. USAA has over 11 million members and approximately $213 billion owned or managed assets.

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The Good

  • Affordable Monthly Plans
  • Daily Credit Monitoring

Affordable Monthly Plans

USAA offers three different identity theft protection plans for individuals and families. One plan is free, one costs $7.95 per month, and one costs $12.95 per month. These plans feature credit reports and scores, dedicated fraud support services, and more.

Daily Credit Monitoring

USAA's free plan offers daily credit monitoring and alerts with Experian. The company's higher-tiered plans provide monitoring from all three major credit bureaus: Experian, TransUnion, and Equifax.

The Bad

  • Service Limitations
  • Lack of Information

Service Limitations

Customers must either be a military member or the relative of a military member in order to sign up for USAA's services.

Lack of Information

USAA states that it provides identity theft protection expense reimbursement policies to members; however, the company has not disclosed the exact coverage amount. It is also unclear how much the company will reimburse identity theft victims for lost wages and other expenses.

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The Bottom Line

USAA provides identity theft protection exclusively to past and present military members and their families. The company offers affordable monthly plans that include comprehensive credit monitoring services. However, USAA has not disclosed how much identity theft insurance coverage its customers receive. 

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