USAA Auto Insurance Review


  • Year Founded1922
  • Types of CoverageComprehensive, collision, liability, uninsured and underinsured
  • Available Discounts12
  • Purchasing OptionsOnline, phone, agent
  • Customer Service1-800-531-USAA (8722)
  • Official Websitehttps://www.usaa.com/


  • Consistently exceptional customer service: USAA tops J.D. Power rankings for customer satisfaction and AM Best for financial strength year after year.
  • Several financial products available: In addition to several types of insurance, USAA also offers banking and investment services.
  • Multiple additional military resources: As a military-only provider, USAA offers exclusive resources to its members.


  • Military families only: USAA car insurance is only available to active-duty and retired military as well as their family members.
  • Membership required: Even if you are military, you must join USAA as a member before purchasing auto insurance.
  • High number of complaints: Although USAA rates high in other areas, it struggles with its NAIC rating that reports a high number of consumer complaints.


United States Automobile Association (USAA) is a popular name in the insurance industry and for a good reason. For several years running, USAA has topped customer satisfaction and financial ratings for auto insurance with some of the cheapest rates available. It is also active within the military community, helping active-duty and veteran military families with the unique challenges they face. 

Today, it offers several types of insurance for your family in addition to auto insurance, such as homeowners insurance, renters insurance, life insurance, and health insurance. There are also several financial products available, including bank and investment products. With easy online quotes and special resources specific to military life, USAA is an ideal car insurance company for your auto insurance. 

Company Overview

Established in 1922 to serve the military community, the United States Automobile Association (USAA) was founded by 25 Army officers to provide each other with car insurance. It continues in that vein today, offering several financial products to several different members of the military community. USAA is headquartered in San Antonio, Texas, where it offers 48.8 million products to over 13 million members. 

Who USAA Serves
Type of militaryEligible parties 
Active-dutyU.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, and Reserves
Former military Retirees and those separated with an Honorable discharge 
Cadets and midshipmen Individuals at U.S. service academies, in advanced ROTC or on ROTC scholarship

Officer candidates within 24 months of commissioning 
Family Widows, widowers and un-remarried former spouses of USAA members who had USAA auto or property insurance while married

Individuals whose parents have or had USAA auto or property insurance

USAA auto insurance may be underwritten by a different provider, including USAA Casualty Insurance Company, USAA General Indemnity Company, and Garrison Property and Casualty Insurance Company.


Types of Coverage

USAA offers auto insurance for a variety of vehicles beyond the traditional standard vehicle, such as insurance for motorcycles, RVs, boats, classic cars, and umbrella insurance.

USAA auto products are only available to the military community and those related to them.


Comprehensive car insurance is a major component of your auto insurance company, providing insurance coverage if you have an incident while driving. This can include several types of damages, including fire, hail, and flooding. 


Also standard is collision coverage, which provides protection if you are in an accident with another vehicle or with stationary subjects. If you finance or lease your vehicle, you are likely required to carry this coverage.


When you are found legally responsible for an accident, liability insurance provides protection if there is injury or death to another party.  

Uninsured and Underinsured

Not all drivers on the road may have auto insurance. Uninsured and underinsured insurance protects you and your passengers should you sustain injuries from an accident with a driver who does not have any or enough car insurance coverage.

Optional Coverage

Roadside Assistance

USAA also offers roadside assistance for troubles you encounter along your travels, such as a flat tire or a tow. 


Rental Reimbursement

If your car needs repair, USAA offers rental reimbursement, which will pay for the cost of a rental car while your vehicle is in the shop. 

Rideshare Insurance

In response to the rise of Uber and Lyft, USAA also offers rideshare insurance with guaranteed repairs at more than 2,900 locations across the country. Rideshare gap coverage is also available for your existing policy. 


USAA offers 12 car insurance discounts for its members.

According to USAA, the average member saves an average of $725 per year when switching to their auto insurance.

Driving Discounts

  • Safe driver: USAA rewards you when you have a good driving record for at least five years.
  • Defensive driving: There are additional savings when you pass an approved driving course.
  • Driver training: You can also earn savings when you complete a basic driver training course. (Not available in HI and NC)
  • Good student: There are additional discounts for teens and young adults who maintain good grades in school. (Not available in HI and NC)

Vehicle Discounts

  • New vehicle: When you have a new car, you earn savings if your car is less than three years old. (Not available in Puerto Rico)
  • Multi-vehicle: You can save on all of your car insurance premiums when you insure multiple vehicles from the same household.
  • Annual Mileage: You can receive cheaper car insurance rates when you maintain a low mileage each year. (Not available in HI and NC)
  • Vehicle Storage: USAA will offer up to 60% off when you keep your insured vehicle in storage. (Not available in HI, NC, and VA)

Membership Discounts

  • Family Discount: If your parents also have USAA auto insurance, you could receive a discount of up to 10% off on your policy.
  • Length of Membership Savings: The longer you are a USAA member, the more you could save with its member loyalty discounts.
  • Military Installation Discount: You can receive up to 15% off your policy when you garage your vehicle on a military base.

Bundle Discount

  • Bundle: When you bundle your car insurance with homeowners or renters insurance from USAA, you can receive up to 10% off your auto insurance policy.

Additionally, USAA offers accident forgiveness for extra savings. When you are accident-free for five years at USAA, the auto policy surcharge will be waived for your first at-fault accident. However, this option is not available for policyholders in California, Connecticut, Delaware, New York, and North Carolina.