USAA Car Insurance Review

Customers of USAA Insurance Company who qualify for car and home insurance enjoy excellent service and cheap costs.

In the table below, you’ll see what we had to say about USAA Insurance. For additional information, here’s a USAA car insurance review.

USAA Pros and Cons

USAA Car Insurance Review - USAA Logo

Pros

  • Choices abound when it comes to insurance coverage and benefit options
  • Affordable insurance rates

Cons

  • Limited eligibility

Who is eligible for USAA coverage?

To be insured by USAA’s insurance products, you must be an active-duty or retired member of the military or a member of their chosen family. Because it can focus entirely on a small set of consumers, USAA is a top-rated insurance provider. By joining USAA, customers may acquire insurance and save money. They will then be eligible for a wide range of member perks and discounts.

Membership with USAA is completely free and comes with a slew of benefits. Confirming your eligibility for USAA insurance is as simple as contacting 800-531-USAA (8722) or looking at the eligibility breakdown below.

Who can join USAA?

Membership in USAA and insurance coverage are only available if you’re an active-duty, retired, or separated military service member (with an Honorable discharge from the U.S. military). Veterans, both active-duty and reserve, are welcome to apply, as are spouses and dependent children of veterans.

Those in the USSA, prep school, or ROTC program, such as officer hopefuls and contractual midshipmen, may also participate.

Families may join USAA as well, including the people listed below:

  • Spouses 
  • USAA members’ widows, widowers, and unremarried ex-spouses
  • Children of USAA members
  • Step-children of USAA members

USAA car insurance ratings

According to customers and claims alike, USAA is one of the greatest insurance businesses around. In order to evaluate whether we can save you money on vehicle insurance, we’ll look at customer reviews, price statistics, and policy options here at USAA.

  • Claims satisfaction — Excellent. According to a recent J.D. Power study, USAA is one of the most customer-satisfied insurance businesses.
  • Customer satisfaction — Excellent. J.D. Power rates USAA’s vehicle insurance as very good in terms of customer satisfaction.
  • Financial strength — According to AM Best‘s “Superior” financial strength rating, USAA is well-positioned to satisfy its claim-payment commitments in the future.
  • NAIC Rating — Excellent. Compared to the industry average, the National Association of Insurance Commissioners (NAIC) received comparatively few complaints about USAA car insurance.

Where is USAA car insurance available?

Every state, as well as the District of Columbia, has USAA as an option.

USAA auto insurance coverage options

In addition to uninsured and underinsured driver protection, USAA also offers liability, collision, and comprehensive insurance coverage. These unique coverage options and add-ons are summarized in a table below along with typical USAA pricing.

USAA extended benefits

This insurance will cover lost income, disability compensation, and death benefits if you are in an accident.

USAA roadside assistance

This supplementary insurance covers services such as lockout assistance, petrol delivery, tire changes, and towing.

Rental reimbursement

Your reimbursement for rental car charges is based on the amount of coverage you choose. If your automobile is damaged as a result of a covered loss that does not include normal maintenance, you may be able to utilize this coverage for a certain period of time and up to a predetermined sum, depending on your level of coverage.

Accident forgiveness

Your insurance premium will not go up if you’re a USAA customer and haven’t been in an accident in the last five years. Learn more about how accident forgiveness works by going to this website.

USAA rideshare coverage

US Automobile Association (USAA) insures Uber and Lyft drivers. According to the company’s website, ridesharing coverage costs only $6 per month. However, not all states provide this kind of insurance.

USAA membership auto insurance benefits

The benefits of being a member of USAA are a welcome addition. When it comes to driving, having a USAA membership provides many advantages.

USAA membership benefits: car loans

When it comes to car loans, USAA helps its members in three ways:

  • Loan flexibility. On new automobiles, you may save up to 84 months’ worth of monthly payments.
  • Waived application fee
  • Affordable rates. The Car Buying Service provided by USAA, which is discussed in further detail below, may help you save money on your USAA car loan

In addition to these advantages, USAA assists members in terminating lease contracts on leased cars and provides special financing for disabled vehicles..

USAA car buying service

USAA’s automobile purchasing service assists members in the following ways:

  • Discounted prices. Dealers that are accredited may provide cars at a lower price, remove dealer fees, and make other concessions to customers.
  • Dealership comparison. Shop around and compare prices from tens of thousands of dealers to find the best deal for USAA members.
  • Price comparison. The price difference between members of USAA and non-members of the same brand/model is shown by USAA.

USAA bonus cash offers

USAA partners with automakers in exchange for a substantial up-front discount. Members of USAA may save hundreds of dollars on new cars purchased via USAA, depending on the business. In order to enhance savings, the following measures have been implemented:

  • Up to $1,000 off Jeep
  • Up to $1,000 off Dodge
  • Up to $1,000 off RAM
  • Up to $4,500 off Mercedes-Benz
  • Up to $1,000 off BMW

USAA car buying tools

After you’ve found the automobile of your dreams, the membership services of USAA may assist you in developing a realistic spending plan.

  • Auto loan calculator
  • Monthly cost breakdown calculator

USAA insurance discounts

Several discounts are available to USAA members. In this collection, you’ll find a lot of interesting things.

Discounts for safe driving

  • Safe driver discount. Accident-free drivers may use this method if they’ve done so for at least the previous five years.
  • Defensive driving. This discount is available to drivers who have successfully completed a defensive driving course.
  • Driver training. Students under the age of 21 who have completed a basic driver education course may be eligible for an insurance discount.
  • Good student. Students with a GPA higher than 3.0 are entitled to a reduction on their tuition.
  • New vehicle. Vehicles under three years old are eligible for this discount.
  • Multi-vehicle. Only applicable to policies covering two or more cars.
  • Annual mileage. Your mileage may entitle you to a discount on your insurance.
  • Vehicle storage. You may be eligible for a premium reduction of up to 60% if you have your car in storage.
  • Family members discount. If your parents were USAA members, your personal USAA insurance will be discounted by 10%.
  • Length of membership savings. USAA touts its low insurance rates as a way to help you save money.
  • Military installation discount.If you leave your car on a military base, you may be able to save 15% on your insurance premiums.

USAA car insurance cost vs. Competitors

  • USAA. $106
  • GEICO. $94
  • Progressive. $104 
  • State Farm. $108
  • National Avg. $124

USAA bundling options

Many insurance companies provide discounts for having multiple policies when you bundle your auto insurance with your homeowner’s or renter’s insurance. USAA members have the option of purchasing additional insurance.

Here are a few of the most well-liked options.

  • Homeowners
  • Renters
  • Condo
  • Life
  • Landlord
  • Motorhome
  • Pet insurance
  • Motorcycle
  • Boat and watercraft
  • Off Road vehicles and ATVs
  • Classic car insurance
  • Umbrella
  • Farm and ranch
  • Small Business

How to cancel a USAA policy

You may cancel your USAA insurance by calling 1-800-531-8722. You may also send a written cancellation request to the following address:

USAA San Antonio is located at 9800 Fredericksburg Rd. in San Antonio, Texas

Bottom Line

Due to these factors, USAA is an excellent choice for many active-duty military members and veterans. Aside from that, the company’s web presence is one of its few flaws.

Checkout our review of Unique Car Insurance Review for another car insurance review.