USAA SafePilot Review (2021) | Usage-Based Auto Insurance

Our USAA SafePilot review will explain how this usage-based auto insurance app works to prevent distracted driving, promote safe driving habits, and provide up to a 20 percent discount on your USAA auto insurance rates. The app is always running on your smartphone, and your discount is assessed anew for each six-month policy period. You get an initial five percent discount just for trying it out. USAA offers auto insurance only to military, veterans, and their immediate family members, but other auto insurance companies offer competitive military and driving app discounts. Get quotes from multiple auto insurance companies here.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 29, 2022

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Things to Remember

  • Everyone gets a five percent discount just for trying out SafePilot.
  • Only members of the military, veterans, and their immediate family members can get auto insurance from USAA.
  • Discounts of up to 20 percent are possible depending on your driving habits.

Our USAA SafePilot review will explain how you can save between 5 and 20 percent by trying out their usage-based auto insurance program. Simply download the app, and USAA will monitor your driving habits.

After you get your score, USAA will calculate your discount calculation with telematics data using the mechanisms in your smartphone like GPS and Bluetooth.

If you aren’t happy with your USAA SafePilot discount, you can always shop around to make sure you get the best affordable auto insurance. Enter your ZIP code now to compare quotes from multiple auto insurance companies.

What is the USAA SafePilot program?

SafePilot is an app offered by USAA insurance to promote safe driving habits resulting in up to a 20 percent discount on your next six-month policy renewal.

Several of the top auto insurance companies monitor your driving for only 90 days and you get only one chance to try for the discount.

SafePilot is different.

SafePilot continually monitors your driving habits and recalculates your discount to be used on your next six-month policy period. The discount can vary from policy period to policy period.

You can use your USAA login to view each of your trips. SafePilot monitors the following driving habits:

  • Your vehicle location
  • Whether you are driving during the day or night
  • Hard braking
  • Any hands-free calls you make
  • How often and for how long you handle your phone
  • If you are the driver or the passenger

USAA feels safe driving is important and uses SafePilot to prevent distracted driving. Also, many fatal accidents happen late at night.

USAA is doing their part because in 2018, more than 2,800 people were killed and 400,000 were injured through some form of distracted driving, as the Centers for Disease Control and Prevention (CDC) reports.

SafePilot is especially helpful to promote teen driver safety. If the entire family participates in these efforts to reduce distracted driving, you will have for sure earned your discount.

One downside, however, is that SafePilot is always running in the background no matter if the app is open or not on your smartphone. This can lead to your phone battery being depleted or burning through your data plan.

If you choose to use SafePilot, be sure to keep a phone charger in the car and consider an unlimited data plan with your cell service provider.

USAA promises to privatize your data and use it only for further research. Telematics is just beginning. In fact, USAA is adding features to SafePilot to collect data when you are in an accident.

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Is SafePilot worth it?

SafePilot is worth it when it comes to making you improve your driving habits and helping to prevent distracted driving. It is free and simple to use, and it can save you money. In fact, the SafePilot app put USAA at the number one spot in our study of the best insurance providers for telecommuters

USAA customers that use SafePilot provide good reviews. Even though the app is supposed to know whether you are a driver or a passenger, users say this is one weakness to their app.

If you would like to try out other usage-based auto insurance programs, most companies will promote a trial period for any potential new customers.

Some companies offer great discounts on auto insurance for military dependents, and stacking a military discount with a usage-based program discount could mean big savings.

That’s why it’s important to get multiple auto insurance quotes from multiple auto insurance companies before choosing USAA and signing up for SafePilot. Enter your ZIP code to compare quotes today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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