USAA Car Insurance Reviews
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Laura Walker
Licensed Agent for 10 Years
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...
Licensed Agent for 10 Years
UPDATED: Jun 29, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 29, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
USAA car insurance is auto insurance offered by USAA — the United Services Automobile Association — and is primarily offered to active and veteran members of the U.S. Military.
Family members eligible for USAA membership include spouses, widows, widowers, former spouses, and children of current or past USAA members.
Due to membership eligibility requirements, most drivers are not eligible to purchase auto insurance; however, those who can have access to a superior level of customer service.
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About USAA Car Insurance
USAA has been in business for almost 100 years (1922) and provides a number of car insurance options for its members, advertising that drivers save an average of $450 by switching to USAA auto insurance from their existing carrier.
It’s noteworthy to mention that most car insurance companies advertise some dollar figure for switching insurers, but how much you can really save by switching to USAA depends on a lot of factors.
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USAA Car Insurance Review
In the recent 2010 J.D. Powers and Associates National Auto Insurance study, there were only two companies who received five stars in all categories, including the cost of car insurance, billing and payment, policy options, customer service, and overall satisfaction.
Amica Mutual Insurance won the top car insurance company award as USAA could not qualify as a winner due to their restrictive membership guidelines, but anyone seeking a USAA car insurance should consider this quality rating in their decision. USAA trumped Allstate, State Farm, Geico, and every car insurance company rated in the National Auto Insurance Study for 2010.
USAA offers a number of unique benefits with their auto insurance coverage including:
- Guaranteed Renewal – Available as long you can drive and meet some basic requirements
- Flexible Payments – USAA can set your auto insurance premium payments up on a schedule to correspond with military payroll
- Accident Forgiveness – Depending on where you live, policyholders can opt to purchase a single-accident waiver where you won’t be penalized for a single car accident. This waiver is automatically added to any driver who maintains a five-year clean driving record.
USAA also offers online claims filing, account management, and payment options. The company does advertise over 2,300 approved vehicle repair locations but does not indicate if you have to use one of these approved shops.
Although 2,300 approved vehicle repair shops are a lot to choose from, you may want to inquire about what your choices are to use a repair shop outside of the USAA network.
USAA Car Insurance Discounts
USAA offers a number of car insurance discounts, but the biggest downfall with reviewing USAA auto insurance is much of the information about coverage is limited to members.
The company does mention they offer standard car insurance discounts such as:
- Safe Driver Discount
- New Vehicle Discount
- Multi-Policy Discount
- Customer Loyalty Discounts
The company also extends Young Driver Discounts to members whose parents were USAA auto insurance policyholders before and offers a $50 instant discount on auto insurance when you get a quote and purchase a policy online.
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USAA Customer Service Reviews
There are very few negative reviews about USAA car insurance, and customer retention rate is said to be above 90 percent annually. Combine the renewal rate with the J.D. Power National auto insurance results, and it’s certainly worth comparing car insurance quotes from USAA if you have the privilege of being a member.
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How much is car insurance from USAA?
Car insurance rates from any car insurance company depend on a number of factors including where you live, your credit score, and your driving record to mention a few.
How much USAA car insurance costs for your particular profile can be only known by requesting a quote.
While USAA auto insurance is a great company to find insurance through, you always should do a car insurance comparison search to compare all your options.
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- PEMCO Insurance Reviews
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- State Farm Auto Insurance Review
- The General Car Insurance Reviews
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Laura Walker
Licensed Agent for 10 Years
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...
Licensed Agent for 10 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.