USAA Auto Insurance Review
Active-duty military, veterans, and their families who want top-tier service and the lowest rates.
Founded
1922
Headquarters
San Antonio, TX
Market Share
5.8%
Avg. Annual Premium
$1,450
Financial Strength
Customer Rating
Website
usaa.com
Coverage Options
USAA offers the following auto insurance coverage types. Availability may vary by state.
Available Discounts
USAA offers 9 discount programs that can significantly reduce your premium. Eligibility and discount amounts vary by state.
Pros and Cons
Pros
- Consistently top-rated customer satisfaction across all surveys
- Among the lowest rates in the industry
- Excellent claims handling and fast payouts
- No-pressure service model with strong member loyalty
Cons
- Membership limited to military, veterans, and their families
- No local agent offices
- Some products only available in certain states
Who Is USAA Best For?
Active-duty military, veterans, and their families who want top-tier service and the lowest rates.
Related Tools
Use these free calculators to estimate your auto insurance costs and compare coverage options.
Auto Insurance Calculator
Estimate your annual premium based on your driver profile, vehicle, and state.
CalculatorRate Stress Test
See how tickets, accidents, or credit changes would impact your rate.
CalculatorCoverage Builder
Build a custom coverage package and see how each option affects your premium.
CalculatorDeductible Optimizer
Find the deductible sweet spot that minimizes your total insurance costs.
Compare Auto Insurance Quotes
The best way to find a lower rate is to compare quotes from multiple carriers. Use our calculator to estimate your premium with USAA and see how it stacks up.
Estimate Your Rate