USAA Insurance Review 2019

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About USAA

USAA caters to the military and does not sell insurance to the general public. To be eligible to buy USAA insurance, you must be on active duty or a former member of the military, their eligible family members, or a cadet or midshipman.

In this review:

Auto insurance satisfaction ratings
Price comparison
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Home insurance satisfaction ratings
Car insurance discounts
Car insurance surcharges
Company subsidiaries
USAA contact information

USAA customer satisfaction ratings for auto insurance

We asked current customers of USAA to rate it on several measures. Here's how they scored the company.

Overall satisfaction: 4.5 stars

4.5 stars

Price satisfaction: 4 stars

4 stars

Customer service satisfaction: 4.5 stars

4.5 stars

See more company ratings in our best car insurance companies survey.

Would you choose USAA again?

As another measure of satisfaction, we asked current customers if they would choose USAA again.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.

Customers who would choose USAA again

USAA car insurance price comparison

We analyzed premiums reported by EverQuote users with good driving records to see how prices compare between USAA and other insurers. Here's how it compares with the four cheapest insurers in our analysis.

Insurance company Average annual premium
Shelter Insurance Co. $1,453
Erie Insurance $1,488
The Hartford $1,549
American Family $1,551
USAA $1,769

Does USAA have what you want?

Do you want special features in a car insurance policy? Here's a look at what USAA offers as add-ons or as separate policies:

Websites & apps

We asked USAA's customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints against USAA Insurance

Complaints against USAA regarding auto insurance are lower than the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business.

USAA auto insurance complaints

USAA satisfaction ratings for homeowners insurance

We asked current home insurance customers of USAA to rate it. Here's how they scored the company.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 4 stars

4 stars

Customer service satisfaction: 4.5 stars

4.5 stars

See more company ratings in our best home insurance companies survey.

Would you choose USAA home insurance again?

We also asked current customers if they would choose the company again. Most said yes.

In our survey, the highest percent of people who would choose the same company again are customers of Chubb (87%).

Would you choose USAA home insurance again

USAA car insurance discounts

Auto insurers must file their rates and policies with each state where they operate. EverQuote analyzed USAA filings to find discount details. These discount may vary among states, and might not be available in all states or from each USAA subsidiary.


Away-at-school 

For full-time students under age 30 who are living more than 100 miles from home and without a car.

Good student 
For drivers under age 25.

Behavior based insurance (BBI) participation 
Drivers can get a discount upon enrolling in USAA's BBI program. In addition, once you've accumulated enough driving data, you can get a discount if you've achieved a driving score that qualifies.

Driver training 
For drivers under age 21 who have completed a course that meets certain standards in classroom instruction and driving experience.

Accident-prevention course 
For completing an approved accident-prevention course.

Occasional operator 
For drivers under age 25.

MyUSAA Legacy 
For drivers age 24 and under who have no major violations in the last three years and who qualify for a USAA policy through a sponsor. (USAA membership can be passed down from parent to child or from spouse to spouse.)


Storage 
If your car is in storage in a secure place and won't be driven by anyone, you can get a discount by adding a "storage endorsement."

Anti-theft 
For either having a vehicle-recovery device or garaging the vehicle on a military installation.

Passive restraint 
For air bags or passive seat belts.

New vehicle 

Daytime running lights 


Multi-car 
For insuring two or more vehicles with USAA.

Advance purchase 
For people who buy a policy seven or more days before the effective date and who have had no lapse in auto insurance coverage.

Automatic payment plan 

What will increase car insurance rates?

It's common for car insurance companies raise rates after accident and tickets. EverQuote reviewed state insurance filings by USAA to determine what will cause a rate increase. (These factors could vary by state and USAA subsidiary.)

At-fault accidents in the last three years
There's a surcharge for accidents you're responsible for and for which an insurer paid more than $750 for a property damage liability or collision insurance claim. USAA offers free accident forgiveness if drivers have been insured with USAA for five or more years and no drivers in the household had an at-fault accident in the last five years.

Motor vehicle moving violations in the last three years

Operator driving experience surcharge
Applied for drivers who have been licensed three years or less, based on the amount of driving experience.

High power/high value surcharge
For model years 1985 through 1997.

Companies within USAA

Many insurance companies have several subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. USAA's subsidiaries include:

  • USAA Casualty Insurance Co.
  • Garrison Property and Casualty Insurance Co.
  • USAA County Mutual Insurance Co.
  • USAA General Indemnity Co.
  • USAA Life Insurance Co.
  • USAA Life Insurance Co. of New York

Source: S&P Global Market Intelligence

USAA contact information

Headquarters:
9800 Fredericksburg Road
San Antonio, TX 78288
(210) 498-2211
website
Customer service and claims: (800) 531-USAA (800-531-8722)

Methodology

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of USAA in January 2019. The survey was not open to the public on EverQuote.com. 

For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

Updated March 15, 2019

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