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USAA Insurance review 2025

Updated Feb 01, 2025
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

bankrate awards logo

BEST HOME INSURANCE COMPANY OVERALL (TIE)

4.5
Rating: 4.5 stars out of 5
Bankrate Score
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Auto

Rating: 4.3 stars out of 5

4.3

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Cost & ratings

Rating: 4.5 stars out of 5

4.5

Coverage

Rating: 4 stars out of 5

4.0

Support

Rating: 4.29 stars out of 5

4.3

Home

Rating: 4.8 stars out of 5

4.8

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Cost & ratings

Rating: 4.8 stars out of 5

4.8

Coverage

Rating: 5 stars out of 5

5.0

Support

Rating: 4.5 stars out of 5

4.5

Life

Rating: 4.4 stars out of 5

4.4

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Cost & ratings

Rating: 5 stars out of 5

5.0

Coverage

Rating: 3.5 stars out of 5

3.5

Support

Rating: 5 stars out of 5

5.0

About Bankrate Score

New

What’s new with USAA?

USAA car insurance review

BEST AUTO INSURANCE COMPANY OVERALL (TIE)

USAA consistently ranks high for customer satisfaction and affordability. Since coverage is limited to military members and their families, Bankrate awarded a tie.

See why USAA won
Awards
Green circle with a checkmark inside

Pros

  • Unique coverage options tailored to the military community
  • Outstanding J.D. Power scores
  • Average auto insurance rates are lower than national average
Red circle with an X inside

Cons

  • No brick-and-mortar insurance agencies
  • Customer service is not 24/7 or available on Sundays
  • Not all drivers are eligible
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Good driver, good credit
USAA full coverage premium
$1,960
National full coverage premium
$2,670
USAA full coverage premium
$3,608
National full coverage premium
$4,717
USAA full coverage premium
$2,344
National full coverage premium
$3,255
USAA full coverage premium
$2,826
National full coverage premium
$3,842
USAA full coverage premium
$3,697
National full coverage premium
$5,185
USAA full coverage premium
$4,783
National full coverage premium
$5,743
USAA full coverage premium
$3,333
National full coverage premium
$4,954
USAA full coverage premium
$3,955
National full coverage premium
$5,429
USAA full coverage premium
$2,422
National full coverage premium
$3,299
USAA full coverage premium
$2,162
National full coverage premium
$2,855
USAA full coverage premium
$1,960
National full coverage premium
$2,670
USAA full coverage premium
$1,794
National full coverage premium
$2,405
USAA full coverage premium
$1,960
National full coverage premium
$2,670
USAA full coverage premium
$1,794
National full coverage premium
$2,405
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
$1,960
$564
$2,883
$912
$2,379
$710
$3,309
$923
$2,028
$741
$2,825
$910
$2,151
$588
$2,159
$705
$1,808
$494
CSAA
$3,759
$744
$2,825
$910
$2,151
$588
$2,159
$705
$1,808
$494
CSAA
$3,759
$744
J.D. Power Auto Claims Satisfaction Study
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with USAA
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Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

USAA home insurance review

BEST HOME INSURANCE COMPANY OVERALL (TIE)

USAA has tied for the winner of the Bankrate Award for Best Home Insurance Company Overall for four years running. The company provides low rates, consistently high customer satisfaction and enhanced coverage included with its standard home insurance policies.

See why USAA won
Awards
Green circle with a checkmark inside

Pros

  • A++ (Superior) financial strength rating from AM Best
  • Replacement cost coverage is complimentary
  • Low average rates
Red circle with an X inside

Cons

  • Not all homeowners can qualify for USAA
  • Customer service hours are limited
  • May not offer as many discounts as some carriers
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$150K dwelling
USAA average premium
$795
National average premium
$1,388
$300K dwelling
USAA average premium
$1,232
National average premium
$2,258
$350K dwelling
USAA average premium
$1,363
National average premium
$2,517
$450K dwelling
USAA average premium
$1,628
National average premium
$3,039
$750K dwelling
USAA average premium
$2,386
National average premium
$4,333
$1,232
- $1,026
$2,002
- $256
$2,574
+ $316
$2,062
- $196
$1,881
- $377
$3,096
+ $838
$1,833
- $425
N/A
N/A
$1,729
- $529
$1,870
- $388
$3,096
+ $838
$1,833
- $425
N/A
N/A
$1,729
- $529
$1,870
- $388
J.D. Power Property Claims Satisfaction Study
Bankrate and Coverage Logo

Get personalized home insurance quotes

Answering a few quick questions to check your availability with USAA

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

USAA life insurance review

Green circle with a checkmark inside

Pros

  • Unlike auto and home, no military connection needed to be eligible
  • Able to convert a level term policy to a permanent policy after one year
  • Not all policy types include military features
Red circle with an X inside

Cons

  • Medical exams are required for level term, universal life and simplified whole life
  • Universal life is not available in New York and must be quoted over the phone
  • Guaranteed whole life not available in Montana

Compare life insurance providers quickly and easily

See which provider is right for you.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare USAA with other insurers

Badge Icon Featured

USAA

USAA
Rating: 4.6 stars out of 5
4.6
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Cost & ratings

Rating: 4.7 stars out of 5
4.7

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4.4 stars out of 5
4.4

Geico

Geico
Rating: 4.3 stars out of 5
4.3
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Cost & ratings

Rating: 4.5 stars out of 5
4.5

Coverage

Rating: 4 stars out of 5
4.0

Support

Rating: 4.4 stars out of 5
4.4

Liberty Mutual

Liberty Mutual
Rating: 4 stars out of 5
4.0
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Cost & ratings

Rating: 3.4 stars out of 5
3.4

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 3.9 stars out of 5
3.9
OVERVIEW
Info Icon
As one of the few insurance companies that offer a discount to active-duty military members and veterans, you could earn savings off your Geico auto insurance policy if you meet its military discount eligibility criteria. Although Geico stands for Government Employee Insurance Company, you don’t have to be a military member or government employee to be eligible for a policy.
Liberty Mutual is a well-known insurance company, but what may not be as commonly known is that it offers a savings for military members who are active duty, in the reserves or retired. Teachers may also be interested in obtaining a quote for Liberty Mutual for its unique teacher’s auto insurance coverage options.
STANDOUT FEATURES
Info Icon
Online Reviews Icon
Robust digital tools
Lightbulb Icon
DriveEasy telematics program
Loan Icon
Long list of potential discounts
Location Icon
Local agencies available
Loan Icon
Offers a military discount
Badge Icon
Sells multiple insurance products
AVG FULL COV. AUTO RATE
Info Icon
$2,172 No rates available
J.D. POWER AUTO SCORE
Info Icon
692/1000 717/1000
AVG HOME RATE
Info Icon
No rates available No rates available
J.D. POWER HOME SCORE
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Not Scored 869/1000
AM BEST RATING
Info Icon
A++(Superior) A(Excellent)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth USAA insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is USAA a good insurance company?

Reddit User 1*
Oct 18, 2023
USAA claims
"I’ve had competitive rates with them but that’s not the same experience for everyone. 3 claims in 10 years with them. I’ve been satisfied with them handling each claim. No long holds, handle it mostly efficiently, ect."
Reddit User 2*
Dec 4, 2023
Is USAA worth it?
"I have been with USAA for 40 years. The first 27 years were wonderful. The last 13 have been increasingly hellish."
Quora User 1*
Feb 28, 2019
How are USAA products?
"Every year around Christmas time I get a refund on the premiums I paid for the year (taken from my “subscriber savings account”), which while not guaranteed to be distributed, has been several hundred dollars every year."
via Quora
Quora User 2*
Jan 22, 2024
What is your review of USAA insurance?
"Instead of helping veterans in a tight spot, they punish you and expect you to pay higher premiums. Totally taking advantage of their "so-called" military community. I personally find this practice disgusting."
via Quora

Methodology

Auto

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Home

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2017 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

What policyholders are saying about USAA

CTA USAA has 25 reviews

USAA has 25 reviews

Dive into community reviews below and see what others think about USAA.

4.6 Star Icon
25 ratings
Info Icon
80% of consumers
recommend this insurer
Score breakdown
5 stars
76%
4 stars
4%
3 stars
20%
2 stars
0%
1 star
0%
Score by category
Overall rating 4.6 / 5
Original cost 3.9 / 5
Coverage 4.4 / 5
Customer Support 4.5 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about USAA.
Search Icon
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Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
USAA had offered me a considerably lower quote than any other company at the time when I was shopping around for insurance. Since then, because of their excellent service, I have remained with the company.
How does this insurer compare to insurance companies you’ve had in the past?
USAA is wonderful and compares favorably or exceeds all other insurer companies in any areas that you can think of.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It was cheaper than any other option.
How does this insurer compare to insurance companies you’ve had in the past?
I like them. I don't have to wait a long time to get a real person who speaks English.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Good rates
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I’d recommend because of great customer service. I’d leave if they no longer covered my area
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They are attentive, a little expensive
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The dividends
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
This is my first insurance company I've used and it does what I think it should.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They communicate well
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
This insurer exceeded my expectations.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
This insurer offers very reasonable rates, and their customer service is terrific. I can not think of any reason for leaving then for another comp.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
THey are extremely respectful and are very easy to work with
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The price is reasonable and the support is great. I can't imagine leaving this company
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Had for 40 years
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Has best prices. am satisfied
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would stay for the total cost. i would leave if another company could offer lower prices
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Customer service is a little better but claims process is not as friendly as others.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Stay with them for ties to the military. Leave them because of difficulties I had with their claims process.
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute