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.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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At a glance
BEST HOME INSURANCE COMPANY OVERALL (TIE)
4.5
Rating: 4.5 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4.3 stars out of 5
4.3
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
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
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
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Active military and veteran policyholders who value customer service, robust policy options and military-focused coverage over in-person support through local agents might consider USAA as their company of choice.
Highly rated customer satisfaction for auto insurance claims, according to J.D. Power 2024 studies
Military and family focus with exclusive eligibility for veterans, active military members and their families
Competitive rates for auto insurance, often below the national average for eligible members
Comprehensive coverage options for home insurance, including complimentary replacement cost coverage
Life insurance policies tailored to military needs, including severe injury benefits at no extra cost
Offers SafePilot program for auto insurance, rewarding safe driving with significant discounts
Auto
Avg. annual premium for full coverage
$2,068
Avg. annual premium for min coverage
$597
Home
Avg. annual premium for $300k dwelling coverage
$1,253
New
What’s new with USAA?
USAA has announced a new partnership with Aflac as of July 31, 2024, aimed at expanding the range of insurance products available to its members. This collaboration will provide USAA members with access to Aflac's supplemental insurance offerings, which are designed to complement existing health insurance and help manage financial impacts from unexpected health events like accidents, illnesses and hospitalizations. The new options include Accident Insurance, Cancer Insurance and Critical Illness Insurance, some with exclusive benefits for USAA members. This alliance aims to leverage both companies' strengths to deliver significant value and support to USAA members.
In December 2024, USAA settled a lawsuit alleging the company failed to protect the online personal information of its policyholders in 2021. A New York federal judge approved USAA’s $3.25 million settlement, which was paid out to 22,000 class action suit claimants.
USAA car insurance review
Thanks in part to USAA’s outstanding J.D. Power scores, online accessibility and low average premiums, we issued USAA’s car insurance a Bankrate Score of 4.2 out of 5. Our USAA review found that this carrier could be one of the best car insurance companies, assuming you meet its eligibility requirements. You must be an active-duty military member or veteran to qualify for membership with the United Services Automobile Association or its brand name, USAA. Certain family members are also eligible, including spouses and children.
USAA is available nationwide and can even help you get insurance coverage if you are stationed outside the U.S. in some cases. Whether you need minimum or full coverage, USAA offers all the standard coverage options plus a few extras, like roadside assistance and car rental reimbursement. USAA consistently receives high customer satisfaction scores from J.D. Power, although the carrier is not eligible for official ranking due to its eligibility restrictions. In the 2024 J.D. Power U.S. Auto Insurance Study, USAA is the highest-scoring company in every region of the country.
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.
When comparing car insurance quotes, comparing the pros and cons of USAA to other insurers can help you find what factors about insurance companies matter to you most.
Pros
Unique coverage options tailored to the military community
Outstanding J.D. Power scores
Average auto insurance rates are lower than national average
Cons
No brick-and-mortar insurance agencies
Customer service is not 24/7 or available on Sundays
Not all drivers are eligible
USAA car insurance cost
According to proprietary rate data from Quadrant Information Services, the average cost for a full coverage policy from USAA in May 2025 is $2,068 per year. A minimum coverage policy from USAA is, on average, $597 per year. For comparison, the May 2025 national average cost of car insurance is $2,692 and $808, respectively. However, car insurance premiums are highly individualized, so you may pay more or less than average depending on your rating factors. Obtaining a free car insurance quote is the best way to see what your rate with USAA can be.
How much is USAA car insurance?
Auto insurance companies look at several rating factors to determine your premium, including your driving history. Drivers that have at-fault accidents or moving violations on their driving records may expect to pay higher premiums, as demonstrated in the tables below.
DUIs are also usually heavily weighted during the underwriting process, but not all companies will offer a policy to drivers with this type of driving infraction. Although Bankrate sources proprietary rate data from Quadrant Information Services and tracks car insurance premium trends over time, you will need to contact an agent at your insurance company for more information on DUI rates and eligibility.
USAA car insurance quotes by age
The National Highway Traffic Safety Administration reports that 8.5 percent of all fatal car accidents in 2021 involved a driver under 20. Younger drivers typically pay more for car insurance than any other group due to their higher risk as long as they live in a state that allows insurers to use age as a rating factor. However, how much a young driver costs to insure may depend on whether they are listed on their parent's policy or if they have a policy of their own.
The rate data below may help paint a picture of how much extra young drivers cost to insure. Please note that these rates are based on a clean driving record.
*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.
Car insurance rates can vary significantly among companies due to differences in coverage options, discounts, customer demographics and underwriting standards. While some insurers may offer lower rates to attract a wider customer base, others might focus on providing more personalized services or specialized coverages, which could lead to higher premiums. USAA's car insurance rates are typically lower than the national average and are often more competitive compared to other major insurers on the list, such as State Farm Progressive and Allstate. This affordability is particularly noteworthy for USAA's target demographic of military members and their families, making it a potentially appealing choice for those eligible for its services.
To measure a company’s customer satisfaction, Bankrate’s insurance editorial team studies third-party scores issued by J.D. Power, which rates companies based on different areas of customer satisfaction up to 1,000 points for each study. The higher a company’s score, the higher that company’s level of customer satisfaction for the topic indicated. Since joining USAA is only allowed through a membership program, it does not have an official J.D. Power ranking, but it is provided with a score to allow consumers to compare it with other carriers. As you can see, USAA scores very well in J.D. Power’s 2023 Digital Experience study for servicing your policy online, but falls well below average when it comes to the opinion of customers trying to shop for insurance online.
In addition to these scores, we also reviewed USAA’s AM Best rating, which analyzes a company's financial strength and creditworthiness. USAA earned the highest score possible, indicating it is considered extremely financially sound.
USAA auto claims satisfaction
USAA earned the top spot in the 2024 J.D. Power U.S. Auto Insurance Study in every region by a significant margin. It also scored well above average in the 2024 U.S. Auto Claims Satisfaction study. However, due to USAA’s eligibility requirements, J.D. Power does not include it in its official ranking. Still, these high scores may indicate that most of USAA’s auto policyholders are satisfied.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 697 to 890.
End of interactive chart.
USAA auto insurance customer complaints
According to the NAIC complaint index, USAA’s private passenger auto insurance product has averaged above or slightly below the baseline over the past three years. Shoppers wary of this want to talk to a friend or family member currently insured with USAA to better understand the policyholder experience, seeing that the most recent year for the index does show the company receiving higher than average complaints about its auto insurance.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.98 to 1.36.
End of interactive chart.
USAA car insurance discounts
USAA may have some of the cheapest car insurance, but it also offers plenty of discounts that could help you save even more. Although not all of these discounts are available in all states, some stand-out savings opportunities include:
Military on-base discount: If you garage your car on a military base, you could save up to 15 percent on your comprehensive coverage.
Annual mileage and storage discounts: Military members may drive their cars less than average. With USAA, you could receive a discount for low annual miles or if you put your vehicle in storage.
Family discount: Drivers whose parents have a USAA auto policy could save up to 10 percent on their own auto policy.
SafePilot: Drivers could save up to 30 percent through USAA’s telematics-based discount, SafePilot.
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
Your information is kept secure5 digit Zip code is required
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
No matter where you live in the country, USAA could be one of the cheapest homeowners insurance companies for those that qualify. Because of its superior financial strength, high customer satisfaction ratings, coverage options and more, our insurance editorial team issued USAA’s home insurance a Bankrate Score of 4.7 out of 5.
In our USSA review, we found that USAA home insurance comes with all the standard coverage types — including dwelling, personal property, other structures coverage, additional living expenses and liability coverage — and can also be personalized to suit your needs. Coverage even includes military uniforms that are damaged while on active or reserve duty. Optional coverage types include home-sharing coverage, earthquake coverage and flood insurance. The company also earned a top score in the 2024 J.D. Power U.S. Home Insurance Study, the highest score of any company included in the study.
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.
Shopping for the best homeowners insurance can be daunting, but making a list of pros and cons may be beneficial.
Pros
A++ (Superior) financial strength rating from AM Best
Replacement cost coverage is complimentary
Low average rates
Cons
Not all homeowners can qualify for USAA
Customer service hours are limited
May not offer as many discounts as some carriers
USAA home insurance cost
As with its auto insurance, many homeowners may find cheaper-than-average rates with USAA after comparing home rates with other carriers. Nationally, the average cost of a homeowners policy in May 2025 is $2,329 per year for $300,000 in dwelling coverage. In comparison, USAA’s average annual homeowners insurance rate is $1,253 for the same coverage level.
$150K dwelling
USAA average premium
$808
National average premium
$1,437
$300K dwelling
USAA average premium
$1,253
National average premium
$2,329
$350K dwelling
USAA average premium
$1,387
National average premium
$2,600
$450K dwelling
USAA average premium
$1,657
National average premium
$3,141
$750K dwelling
USAA average premium
$2,436
National average premium
$4,437
Compare USAA homeowners insurance rates
Homeowners insurance rates can vary significantly by company, influenced by factors like location, home value and coverage options. USAA's rates for homeowners insurance are typically lower than the national average and tend to be more competitive than the rates offered by many providers on this list. It's important to note, however, that individual rates may vary and are influenced by a variety of factors specific to the homeowner and the property insured.
To measure a company’s customer satisfaction, Bankrate’s insurance editorial team studies third-party scores issued by J.D. Power, which rates companies based on different areas of customer satisfaction up to 1,000 points for each study. The higher a company’s score, the higher that company’s level of customer satisfaction for the topic indicated. Since joining USAA is only allowed through a membership program, it does not have an official J.D. Power ranking, but it is provided with a score to allow consumers to compare it with other carriers.
USAA homeowners claims satisfaction
USAA’s score for overall customer satisfaction in the 2024 J.D. Power U.S. Home Insurance Study was 737, the highest of all the companies included (although it is not officially ranked). USAA also received a high number of customer satisfaction points in the 2024 J.D. Power U.S. Property Claims Satisfaction Study. Like the company’s auto product, these high scores could show that homeowners are happy with USAA’s customer service and claims handling.
J.D. Power Property Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 737 to 869.
End of interactive chart.
USAA home insurance customer complaints
USAA fares better with its homeowners insurance product on the NAIC complaint index, which shows USAA home insurance consistently far below the industry baseline. This means that, on average, fewer homeowners customers complain about USAA than the average company.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.45 to 0.52.
End of interactive chart.
USAA home insurance discounts
Although USAA’s average home insurance rates are already lower than the national average, the company offers a few discounts that could help you save even more. Some of its options include:
Protective device credit: Homeowners installing a monitored fire alarm or security system could earn up to a 5 percent discount.
Connected home discount: Qualifying devices that monitor for leaks, fire and burglaries may net up to a 7 percent reduction in premiums.
Loyalty savings: Insuring your property continuously with USAA for three years could lead to a 5 percent discount.
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 home insurance quotes
Answering a few quick questions to check your availability with USAA
Your information is kept secure5 digit Zip code is required
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
USAA’s life insurance quotes are more limited than other companies, but the company could be a good choice if you are looking for one of the products it offers. Unlike its auto and property insurance policies, USAA makes its life policies available to all U.S. citizens, with or without a military background. The company also has financial advisors available to help you understand your needs and choose a product or policy based on your financial needs.
USAA offers a few different life insurance products, including term life, simplified whole life and universal life. Guaranteed whole life policies are also available, although Mutual of Omaha underwrites them. And in 2021, USAA introduced its first digital life insurance policy, with no medical exam required. The policy offers a guaranteed $100,000 in coverage for eligible individuals age 21-35.
Additionally, in July 2024, USAA partnered with Aflac to offer supplemental insurance products, including accident, cancer and critical illness insurance, providing members with more comprehensive coverage options. Life insurance is designed to help give your loved ones a financial cushion if you pass away, so choosing the best product type for your needs is an important part of your financial plan.
Pros and cons of USAA life insurance
USAA life insurance may not fit everyone’s needs, as each life insurance company caters to different types of needs. Here’s some information that may help you decide:
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
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
USAA life insurance riders
USAA offers a variety of life insurance riders to enhance the coverage of its policies. These riders allow policyholders to tailor their life insurance to better meet their specific needs, providing additional peace of mind. Below are some of the rider options available:
Waiver of premium: If the insured becomes disabled, this rider could waive the premium payments. It's available for insured individuals aged 15 to 55, with specific forms varying by state.
Term life insurance for children rider: This option provides term life insurance for children under the parent's policy, though availability may vary by state.
Accelerated death benefit rider: Offered at no additional cost, this rider allows for an early, partial payout of the death benefit if the insured is diagnosed with a terminal illness expected to result in death within 12 to 24 months, depending on the state.
Military protection plus: Specifically designed for military members, this level of term life insurance includes riders for severe injury benefits and future insurability after leaving the military, with terms and conditions applying.
Term life event option rider: This rider provides a one-time option to purchase additional term life insurance upon certain life events without additional medical underwriting, subject to rider terms.
Life event option (LEO) rider for simplified whole life: Allows for the request of additional whole life insurance coverage after specified life events, up to six times, with the total coverage after increases limited to $1 million.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads 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 to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.
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If you want to compare USAA with other insurance companies that offer military-related perks, the following three companies may be a good place to start.
Featured
USAA
Rating: 4.6 stars out of 5
4.6
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
USAA might be a good fit for individuals connected to the military looking for tailored benefits and competitive rates, but it might not be accessible to the general public due to its specific membership criteria.
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.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is USAA a good insurance company?
Based on our evaluation, USAA company could be an excellent choice for those seeking coverage with military-focused options, but it depends on your needs (and eligibility status). It scores well in customer and claims satisfaction in both the home and auto J.D. Power insurance studies. It offers lower-than-average rates and a wide selection of insurance and banking products.
However, USAA products may not be available to you if you aren’t military-affiliated, and those who are eligible may not find USAA the best option if they prefer to do business with a local agency. Additionally, USAA’s Bankrate Score rose from 4.0 to 4.5 from 2023 to 2024, primarily due to our latest evaluation of each company’s performance. While this may not be an indicator of a trend, it may be worth considering. In the end, the best way to determine if USAA is the company for you may be to request a free quote.
What are real-life customers saying about USAA?
To provide a clearer picture of the customer experience with USAA, we've sourced real-life takes from two popular online platforms: Reddit and Quora. These forums offer a space for candid discussions and personal anecdotes, giving potential customers insight into what they might expect from USAA's services. While Reddit fosters a broad range of discussions, including user experiences with insurance companies, Quora often hosts detailed personal narratives and opinions, providing depth to the understanding of a company's service quality.
Reddit
From the Reddit community, opinions on USAA vary significantly. Some users appreciate USAA's competitive rates and efficient claim handling, noting that they've had satisfactory experiences and claims over several years. However, others have expressed frustration, particularly with customer service and policy pricing. There are reports of long hold times, inefficient service and significant increases in premiums over time.
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."
Quora users also present a mixed view. Some praise USAA for its financial stability, competitive pricing and exceptional service, particularly highlighting positive experiences with claims and the annual return of premiums from the subscriber savings account. onversely, there are stark criticisms regarding how USAA handles late payments and treats customers during financial hardships.
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."
"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."
These varied experiences underscore the subjective nature of insurance satisfaction and the importance of obtaining personalized quotes and assessing individual needs against what USAA offers.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Video Overview: How I Saved with USAA SafePilot
All rates, features and offers shown in the media on this review were accurate at the time they were procured, but may have changed since recording. Savings are not guaranteed and/or individual savings will vary per user. The content may also contain views and opinions that do not reflect those of Bankrate.
Bankrate staff insights
Where did this quote come from?
Our focus at Bankrate is on delivering accurate content and the right context for making well-informed financial decisions.
We gather real quotes from real people through surveys, interviews, and testimonials from consumers like you who have actual experience with these products. We then hand-pick what to feature to ensure credibility and relevance.
“The reason I downloaded it [the USAA SafePilot telematics program] was because I called them when my rate went up pretty significantly, so I called them to see what I could do about getting a better rate,” says one Bankrate staffer who is a policyholder. “I believe USAA does their renewals every 6 months. Yes, so the first 6 months I used it I got a 20% discount, which was significant.”
Bankrate Staff Member
USAA company details
For those considering USAA for their insurance needs, here are some key contact details and resources to help you get started or manage your existing policies:
For general inquiries, customer service or to file a claim, you can reach USAA at 1-210-531-8722 or toll-free at 1-800-531-8722. These lines typically offer assistance with a wide range of questions and concerns.
If you're in need of roadside assistance, USAA provides support at 1-800-531-8555.
USAA also offers an online claims center for quick reporting and claim status tracking.
For more immediate assistance, live chat options are often available at USAA.com, where you might be able to get quick answers to your questions.
The main mailing address for USAA is 9800 Fredericksburg Road, San Antonio, TX 78288.
State availability
USAA's car insurance services are available across all 50 states, including Washington D.C., various U.S. territories and even in some international locations, catering to a wide range of members. When it comes to homeowners insurance, USAA extends its offerings to all 50 states as well, although there may be certain restrictions that apply. Specifically, in Florida, homeowners insurance through USAA is available only to military members who are required to move to the state under military orders.
Other USAA tools and benefits
USAA is more than just an insurance provider; the company offers a host of other financial products and benefits for its members. If you want to consolidate numerous financial services with one company, USAA could be a good fit.
Banking products: USAA offers banking products, including checking and savings accounts, credit cards and loans.
Specialty vehicle insurance: USAA partners with other insurers to offer coverage for other types of vehicles, including motorcycles, ATVs, antique and classic cars, RVs and motorhomes.
Mobile app: USAA offers a mobile app as part of its digital presence for policyholders, which has high ratings in the App Store and Google Play Store. Additionally, USAA scored highly in the Service category of the 2024 J.D. Power U.S. Insurance Digital Experience Study.
Renters insurance: If you rent your home or apartment, USAA has renters insurance options that could help protect your belongings.
Landlord insurance: Landlords can buy landlords insurance policies to protect the homes that they own and rent out.
Umbrella insurance:Umbrella policies can provide excess liability coverage to help protect your finances.
Flood insurance: Standard homeowners insurance policies do not cover floods. Not all companies offer flood insurance policies, but they are available at USAA.
Survivor Relations team: USAA has a dedicated Survivor Relations team available to help you navigate the loss of your loved one. You can contact them at 1-800-292-8294 Monday through Friday, 7:30 AM to 6 PM Central Time.
Frequently asked questions about USAA
USAA has several areas of focus for its charitable giving, which is done through a grant program, both on a national and local level (local to USAA office locations). Contributions support military caregivers and families of the wounded or fallen, families facing homelessness and hunger, and disaster response efforts.
Additionally, in January 2023 the company made its final donation of a three-year, $50-million commitment to address economic, education and employment disparities faced by minority communities.
USAA also operates an employee volunteer program, which works with local communities in seven locations nationwide. They help with needs like homelessness, hunger, education and disaster relief.
USAA will ask you for basic information when you file a claim. However, that information depends on the type of claim you need to file. For instance, your company will ask you for the vehicle and driver information of everyone involved in an auto accident. If you’re filing a life insurance claim, you may need to provide the policyholder’s name and the date they passed.
When you’re ready, you can file a claim with USAA by:
To join USAA, you or your sponsor must provide a copy of acceptable military documentation and a government-issued ID such as a driver’s license or passport. Examples of applicable military documentation are as follows:
DD214(long version)
Discharge Certificate
Leave and Earnings Statement
DD Form 4
Yes, but in January 2025, Noblr, which is owned by USAA, announced that it was ending its “Pay As You Drive” program. USAA has owned Noblr since 2021, but USAA will now bring all telematics-based insurance under the company’s “Usage-Based Program.”
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
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
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
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
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
40% Ratings
40% Ratings
40% Coverage
40% Coverage
20% Accessibility
20% Accessibility
Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about USAA
USAA has 50 reviews
Dive into community reviews below and see what others think about USAA.
4.5
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
84% of consumers recommend this insurer
Score breakdown
5 stars
66%
4 stars
18%
3 stars
14%
2 stars
2%
1 star
0%
Score by category
Overall rating4.5 / 5
Original cost3.8 / 5
Coverage4.3 / 5
Customer Support4.4 / 5
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.
Anonymous Policyholder
April 10, 2025
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 handled my car accident claim quickly and smoothly, which made the whole process stress-free.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
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 feel like they care about people like me
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I already bank with them and they offer a great rate for existing customers. They are about the same as my previous insurer Progressive.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
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 because customer service is excellent. I may switch to lower costs.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
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 recommend staying with my insurer because of their excellent customer service and quick response time when I’ve had claims. They’ve always been reliable, and their rates have remained competitive over the years. However, if their rates began to increase significantly without a clear explanation or if they offered less coverage for a higher price, I would consider switching to another company.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
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 stay with USAA because it’s the lowest rate I can find. However, their customer service is lacking. I never get a friendly representative when I call.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
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.
A big reason to stay with USAA is how seamless and quick their claims process is, and the one downside is that their membership rules are very strict.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It is one of the best and very good company, it has good price
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
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.
Coverage is working well for me and would have to increase noticeably in cost to begin looking for new coverage options
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
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.
My experience with USAA has been outstanding, as I have had several claims that I’ve had to make during my life with this insurance provider. I had to make a claim for a weather related incident involving my vehicle, and the process was quick, easy, and completed without any headaches. The only reason I would ever leave USAA would be if another insurance agency offered this exact same coverage I have currently but for a lower price.
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.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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