USAA Auto Insurance Review for 2026 (Rates & Coverage Options)

United Services Automobile Association (USAA) is widely regarded as the best option for military families seeking affordable auto insurance. Our USAA auto insurance review shows that the starting rate is just $84 monthly. However, coverage excludes military members and their families, limiting broader access.

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Aremu Adams Adebisi

Feature Writer

Aremu Adams Adebisi graduated from college with a B.Sc in Economics. He's currently pursuing his MBA while writing insurance features covering trending topics in the car insurance industry. He's fascinated by the surges of insurtech in an era of decentralized finance (DeFi). Aremu has written for several insurance agencies and companies. He profiles startups on Insideropedia and serves as a con...

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Reviewed by
Kristen Gryglik

Updated October 2025

This USAA auto insurance review highlights the top benefits of USAA, including its low starting rates of just $84 per month and its outstanding customer satisfaction ratings. With a claims satisfaction score of 90%, USAA stands out for its efficient claims process.

USAA Auto Insurance Rating

Rating CriteriaUSAA: USAA Auto Insurance Review
Overall Score4.8
Business Reviews4.5
Claim Processing5.0
Company Reputation5.0
Coverage Availability5.0
Coverage Value4.7
Customer Satisfaction4.7
Digital Experience5.0
Discounts Available5.0
Insurance Cost4.7
Plan Personalization5.0
Policy Options4.7
Savings Potential4.7

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Nevertheless, while USAA provides competitive rates and excellent service, this can only be taken advantage of by military personnel and their families, restricting its availability. Compare USAA vs. Geico auto insurance to learn more.

The company’s online tools and resources benefit tech-savvy drivers who prefer managing their policies digitally. Clients ought to be aware of the constrained range of coverage choices available to higher-risk drivers.

Things to Remember

  • USAA offers auto insurance starting at just $84/month for members
  • It has a 90% claims satisfaction score, ensuring efficient claims processing
  • USAA is ideal for military families but may not be available to all drivers

USAA is an excellent choice for military families seeking reliable auto insurance, but it’s always wise to compare multiple quotes to find the best fit for your needs. See if you’re getting the best deal on car insurance by entering your ZIP code above.

Table of Contents

USAA Auto Insurance Rates Breakdown

Many factors affect auto insurance rates, including age, driving history, and credit score. Therefore, USAA auto insurance quotes are different for each driver. The map below gives an idea of auto insurance rates nationwide.

USAA auto insurance rates are the lowest, but you’re only eligible if you’re a military member or family member. Other drivers don’t qualify for coverage.

USAA Insurance Costs by Coverage

Most states require at least a minimum amount of liability coverage. However, liability coverage only pays for damages to others. Therefore, drivers should add collision and comprehensive coverage to protect their vehicles.

USAA Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Age & GenderMinimum CoverageFull Coverage
Age: 16 Female$137$349
Age: 16 Male$146$356
Age: 18 Female$111$257
Age: 18 Male$125$289
Age: 25 Female$43$114
Age: 25 Male$46$122
Age: 30 Female$40$106
Age: 30 Male$43$113
Age: 45 Female$32$84
Age: 45 Male$32$84
Age: 60 Female$29$75
Age: 60 Male$29$82
Age: 65 Female$29$82
Age: 65 Male$31$82

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Full coverage auto insurance includes liability, collision, comprehensive, and other required coverages. While more coverage equals higher rates, you’re better protected and pay less out of pocket if your vehicle gets damaged.

When you compare it to the competition, USAA’s competitive price is evident, especially when accounting for the potential savings of up to 30% through the SafePilot usage-based program, which rewards safe driving behaviors.

Full Coverage Auto Insurance Monthly Rates by Age & Gender

Insurance CompanyAge: 17 MaleAge: 17 FemaleAge: 25 MaleAge: 25 FemaleAge: 35 MaleAge: 35 FemaleAge: 60 MaleAge: 60 Female
Allstate: USAA Auto Insurance Review$740$640$271$258$252$240$220$214
American Family: USAA Auto Insurance Review$591$435$210$178$195$165$150$148
Farmers TablePress Logo$897$853$256$246$239$228$183$171
Geico: USAA Auto Insurance Review$362$313$133$138$124$128$106$104
Liberty Mutual: USAA Auto Insurance Review$893$745$306$267$285$249$227$211
Nationwide: USAA Auto Insurance Review$552$432$213$194$194$177$149$141
Progressive: USAA Auto Insurance Review$944$843$209$201$194$187$136$131
State Farm: USAA Auto Insurance Review$405$327$158$144$147$133$108$108
Travelers: USAA Auto Insurance Review$1,056$757$165$152$154$142$129$127
USAA: USAA Auto Insurance Review$289$257$122$114$113$106$75$75

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USAA is regarded as one of the top auto insurance suppliers for veterans and the armed forces because it provides a range of coverage alternatives to service personnel and their families at the lowest prices.

Impact of Driving History on USAA Insurance Rates

Auto insurance companies check driving records, so drivers with accidents, tickets, and DUIs see the highest rates since they’re more likely to cost the insurance company money. While USAA rates increase with speeding tickets or accidents, they almost double with a DUI.

Auto Insurance Monthly Rates by Provider & Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: USAA Auto Insurance Review$228$268$321$385
American Family: USAA Auto Insurance Review$166$194$251$276
Farmers: USAA Auto Insurance Review$198$247$282$275
Geico: USAA Auto Insurance Review$114$151$189$309
Liberty Mutual: USAA Auto Insurance Review$248$302$335$447
Nationwide: USAA Auto Insurance Review$164$196$230$338
Progressive: USAA Auto Insurance Review$150$199$265$200
State Farm: USAA Auto Insurance Review$123$137$146$160
Travelers: USAA Auto Insurance Review$141$192$199$294
USAA: USAA Auto Insurance Review$84$96$111$154

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Drivers with multiple dings on their driving record see extremely high rates. Additionally, drivers with multiple infractions may be considered high-risk and require costly special coverage.

USAA Insurance Rates by Credit Score

While some states, like California, don’t allow insurers to use this factor to determine rates, most states allow auto insurance companies to use credit scores. USAA uses credit scores to calculate insurance rates. This table shows how much more drivers with fair or poor credit pay for USAA coverage.

Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score

Insurance CompanyGood CreditFair CreditBad Credit
Allstate TablePress Logo$110$130$150
American Family TablePress Logo$105$125$145
Farmers TablePress Logo$115$135$155
Geico TablePress Logo$95$115$135
Liberty Mutual TablePress Logo$100$120$140
Nationwide TablePress Logo$102$122$142
Progressive TablePress Logo$98$118$138
State Farm TablePress Logo$90$110$130
Travelers TablePress Logo$112$132$152
USAA TablePress Logo$90$110$130
U.S. Average$123$148$226

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Most insurance companies believe drivers with good credit are more likely to avoid filing a claim and will pay for damages themselves. On the other hand, drivers with poor credit are more likely to file a claim and possibly miss payments.

USAA drivers with poor credit pay double compared to drivers with good credit. The good news is that you can raise your credit score by making on-time payments and using credit responsibly.

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USAA Insurance Coverage Options

USAA offers many car insurance coverages and other insurance products. Drivers can combine their policy with a number of benefits and services, such as reimbursement for roadside assistance and rental car costs (Learn More: What are the recommended auto insurance coverage levels?).

USAA Auto Insurance Coverage Options

CoverageDescription
LiabilityCovers injury and property damage you cause to others
ComprehensivePays for damage from non-collision events like theft or fire
CollisionCovers damage from collisions with vehicles or objects
Uninsured/Underinsured MotoristProtects in accidents with underinsured drivers
Personal Injury Protection (PIP)Covers medical costs and lost wages for you and passengers
Medical Payments (MedPay)Pays medical expenses for you and passengers
Rental ReimbursementPays for rental car during vehicle repair after an accident
Roadside AssistanceProvides towing, jump-starts, and flat tire repairs
RideshareCovers drivers working for rideshare services
Accident ForgivenessPrevents rate hikes after your first at-fault accident

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Additionally, USAA offers options for policy suspension during deployments and savings for car storage, which can significantly reduce insurance costs for service personnel deployed far from home.

USAA's commitment to serving military members and their families is unmatched, offering tailored coverage options that address their unique needs.

Scott W. Johnson Licensed Insurance Agent

The needs of military personnel and their families should be taken into consideration when customizing these options. Other USAA coverages and products include:

  • Homeowners
  • Renters
  • Life
  • Pet
  • Auto loans

USAA rates are typically lower than those of other insurance companies, so using the company for multiple policy types saves money.

SR-22 Insurance Coverage From USAA

USAA offers SR22 insurance filings for those required to prove financial responsibility following serious driving offenses. This coverage is crucial for drivers looking to reinstate or maintain their driving privileges under state requirements.

SR-22 Insurance Definition Card: USAA Auto Insurance Review

USAA simplifies obtaining SR22 certification, integrating it seamlessly with existing auto insurance policies, which helps minimize the hassle for members needing this service.

USAA Discounts Available

We’ve already shown that USAA auto insurance is the cheapest. However, there are ways to get even lower rates. The easiest way to lower rates is to take advantage of auto insurance discounts. USAA auto insurance discounts are based on the driver, policy, and vehicle. In addition, drivers can bundle eligible discounts for the most significant savings.

USAA Auto Insurance Discounts

DiscountSavingsDescription
Safe Driver30%For drivers with no accidents or violations over time
Multi-Vehicle25%Applied when insuring more than one vehicle
Bundling10%For combining auto insurance with other USAA products
Defensive Driving10%For completing an approved defensive driving course
Good Student10%For students maintaining good grades (B average)
Military Installation15%For garaging your vehicle on a military base
New Vehicle5%For insuring a vehicle less than three years old
Annual Mileage12%For drivers with low annual mileage
Vehicle Storage60%For storing your vehicle and not driving it long-term
EFT (Auto-Pay)5%For setting up automatic electronic payments

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Drivers can also participate in the USAA SafePilot program to earn additional savings. SafePilot is a telematics program that monitors your driving habits, such as speed and hard braking. As a result, drivers who exhibit safe driving can save up to 30% on their auto insurance (Read More: USAA SafePilot Review).

Lastly, look closely at your policy. Lower coverage amounts and raised deductibles to lower your rates. However, doing so means higher out-of-pocket costs if your vehicle gets damaged.

Filing a Claim with USAA: A Step-by-Step Guide

While you can file a car insurance claim with USAA on the mobile app, you can also call USAA if you prefer to speak with someone. The USAA claims phone number is 1-800-531-8722, and the USAA customer service phone number is also available.

While rare, most USAA complaints revolve around claims and customer service. However, USAA still has very high satisfaction ratings since most drivers are very satisfied with how claims are resolved. Drivers can also use the USAA app or website to access policy information, pay bills, or apply for loans.

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Essential Rating Information About USAA

The United Services Automobile Association (USAA) is recognized for its commitment to providing insurance and financial services to military members and their families.

USSA sells car insurance in all 50 states, including Washington, D.C., but only military personnel and their families are eligible for coverage. It also provides insurance for homeowners, renters, boats, RVs, and motorcycles in addition to auto insurance.

USAA: USAA auto insurance review

Regarding J.D. customer satisfaction, USAA scores highly in the strength and stability of its finances via A.M. Best. Because USAA will support them in times of need, drivers who have insurance with the firm can feel comfortable.

USAA Insurance Business Ratings & Consumer Reviews

AgencyUSAA TablePress Logo
J.D. Power TablePress LogoScore: 882 / 1,000
Above Avg. Satisfaction
Score: A++
Excellent Business Practices
Consumer Reports TablePress LogoScore: 96/100
High Customer Satisfaction
Score: 1.22
Avg. Complaints
A.M. BestScore: A++
Superior Financial Strength

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Some drivers can also fully take advantage of life and health insurance, auto loans, and investment possibilities with USAA. This company is also a great choice for military personnel since it offers many coverage options, excellent ratings, and reasonable rates that offer peace of mind and financial stability.

Learn More: How to Evaluate Auto Insurance Quotes

USAA Auto Insurance: Military-Focused Service

USAA’s customer service is structured around the needs of military families (Learn More: Best Auto Insurance for Military Families and Veterans). It offers 24/7 support through various channels, including comprehensive phone support, online portals, and mobile app customer service.

USAA policyholders can reach out for assistance, manage their policies, and file claims anytime and from anywhere, which is particularly beneficial for families dealing with irregular schedules or deployments. Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.

Frequently Asked Questions

How does USAA accident forgiveness work?

USAA accident forgiveness prevents your premium from increasing after your first at-fault accident. This benefit is available to qualifying members based on their driving record and insurance history.

How do USAA insurance rates compare to other providers?

USAA insurance rates are generally more competitive compared to many other providers, especially for those in the military community. Reviews and studies show that policyholders often find USAA’s rates to be lower than competitors when considering similar coverage levels and discounts available.

Learn More: How to Find Auto Insurance Quotes Fast

How much is USAA car insurance a month?

The cost of USAA car insurance per month varies depending on location, vehicle type, driving history, and coverage options. On average, members may pay around $50 to $100 per month. Enter your ZIP code to see how much auto insurance costs in your city.

Is USAA a good insurance company?

USAA is considered a highly reputable insurance company. It consistently receives high ratings for customer satisfaction, claims handling, and financial stability, making it a popular choice for military families.

Is USAA car insurance cheap?

USAA car insurance is often considered affordable, unlike other major insurers. However, rates depend on driving history, location, and coverage options.

What is the average cost of USAA auto insurance?

What is the average auto insurance cost per month with USAA? The average cost varies, but many policyholders pay between $85 and $125 annually. However, this can fluctuate based on coverage selections, driving records, and the state of residence.

Where can I find USAA insurance reviews?

USAA insurance reviews can be found on various review platforms, such as Consumer Reports, J.D. Power, and Trustpilot. Many customers praise their service quality, military focus, and competitive rates.

How do you apply for USAA auto insurance?

To apply for USAA auto insurance, you need to verify your eligibility as a military member, veteran, or family member. Once verified, you can apply online by visiting their website or contacting their customer service at 1-800-531-8722 to begin the application process and select your desired coverage.

Read More: How to Buy Auto Insurance Online Instantly

What is the best auto insurance for military members?

USAA is the best auto insurance for military members due to its military-specific benefits, excellent customer service, and competitive pricing.

How can I get USAA insurance if I am not a military member?

USAA primarily serves military members, veterans, and their families. If you are eligible through these criteria, you can apply for coverage. However, if you are not a military member, you may not qualify. If you have a family member who is a current USAA member, you might still be able to join through family eligibility.

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