INSURANCE - CAR INSURANCE

USAA Auto Insurance Review [2024]: It’s Not Just for Military Members

Updated Oct. 28, 2024
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If anyone in your family served in the military, you may be eligible for USAA auto insurance and its lower premiums. Find out how it stacks up.

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If you or a family member is a military-member, I suggest getting a quote from USAA to see how much you might save on your auto insurance. However, I encourage you to read reviews from customers in your state to see how the ratings stack up. Because they are available in all 50 states, the satisfaction ratings vary. I think their lower premiums make them worth a shot, but I’d compare it to other companies in your area too, determining which offers the best combination of affordability and great customer service. USAA can be hit or miss, depending on where you live, so I suggest looking at all options.

How we evaluate products

USAA pros and cons

Pros
  • Offers lower than average premiums
  • Family members of military members may be eligible
  • Many options for discounts
Cons
  • Not everyone qualifies
  • Customer satisfaction is less than optimal in some states

What is USAA?

USAA (United Services Automobile Association) has been providing active and retired military members with products and services to help them achieve financial security, including auto insurance since 1922.

Unlike other auto insurance companies, you must be a member of USAA to purchase auto insurance. However, the requirements to belong extend beyond just active and retired military members; you can also be a spouse, parent, or grandparent of a military member, which many people don’t realize.

Today, the association continues to have its headquarters in San Antonio, Texas, while serving more than 13.5 million U.S. military members and their families across the U.S. USAA employs more than 37,000 workers and has a net value of more than $29.1 billion as of May 2024.

Types of coverage Varies by location but typically offers:
  • Liability protection
  • Comprehensive coverage
  • Collision insurance
  • Uninsured and underinsured coverage
  • Roadside assistance
  • Rental reimbursement
Where you can use it
Customer support Call 800-531-USAA (8722)
  • Monday to Friday from 7 a.m. to 11 p.m. ET
  • Saturday from 9 a.m. to 9 p.m. ET
  • Closed Sunday

USAA discounts

  • Clean driving record discount
  • Defensive driving training course discount
  • Good student discount
  • USAA SafePilot driving tracking discount
  • Multi-vehicle discount
  • Multi-policy discount
  • Discount for having a newer vehicle
  • Anti-theft device discount
  • Vehicle storage discount
  • Discount for garaging your car on a military base
  • Loyalty discount

USAA availability

Available nationwide in all 50 states and Washington, D.C. Also available in some overseas locations.

  • Azores
  • Belgium
  • Cuba
  • France
  • Germany
  • Greece
  • Guam
  • Italy
  • Netherlands
  • Portugal
  • Puerto Rico
  • South Korea
  • Spain
  • U.S. Virgin Islands
  • United Kingdom

What insurance does USAA offer?

USAA offers several auto insurance coverages that vary based on where you insure your vehicle. While each state has different minimum insurance requirements, USAA offers insurance in all 50 states, Washington, D.C., and even a number of overseas locations. Their website is extremely user-friendly and lets you search insurance requirements by state, provides suggestions for adequate coverage, and offers opportunities for optional coverage.

USAA Auto Insurance


If you are a current, past, or relative of a military member, USAA offers four main types of auto coverage, including:

  • Liability protection: Liability coverage helps pay for injuries of others or property damage you cause if you’re found to be responsible for an accident. Liability insurance is often required at the state level.
  • Comprehensive coverage: This type of coverage helps pay for repairs to your vehicle if you hit an animal or face natural disasters such as flooding, fire, or hail. Comprehensive insurance may also cover glass damage and theft losses.
  • Collision insurance: This insurance helps to repair or replace your car if you’re in an accident with a stationary object or another vehicle while driving. Comprehensive and collision insurance, sometimes referred to as full coverage, might be required if your car is financed or leased.
  • Uninsured and underinsured motorist: This coverage assists with the costs of injuries to yourself and others in your car if you’re in an accident caused by another driver without insurance or their insurance is inadequate. Uninsured and underinsured motorist coverage may also help with repairs needed for your car.

USAA may also provide additional coverage options in specific areas, including:

  • Roadside assistance: This may come in handy if your car breaks down as it helps with towing costs. It also helps with other problems on the road such as replacing a flat tire or filling up an empty gas tank.
  • Rental reimbursement: This reimbursement helps pay for a rental car when your car is damaged in a covered claim and needs to be repaired.
  • Accident forgiveness: USAA offers this additional feature for free once you complete five years of continuous coverage without having an at-fault accident.

USAA offers vehicle insurance for more than your car. You could also insure your motorcycle, ATV, recreational vehicle, classic car, boat, watercraft, and even aircraft.


Buying multiple policies with USAA, also known as bundling, might save you money. USAA offers several medical and property insurance products you could get along with vehicle insurance, including:

  • Renters insurance
  • Homeowners insurance
  • Condo insurance
  • Valuable personal property coverage
  • Flood coverage
  • Mobile home insurance
  • Life insurance
  • Health, dental, and vision coverage

How does USAA’s customer service stack up?

USAA has a long-standing history of high scores from J.D. Power, but I wanted to mention that within the last six months, there have been numerous one-star ratings from current customers on Trustpilot stating that customer service is less than satisfactory and many people have problems, especially when trying to cancel the insurance.

USAA auto insurance: how cheap is it?

Although there are several factors that affect car insurance rates, the average USAA auto insurance costs $164 a month, according to their site. The amount you pay may be higher or lower based on where you live, your driving habits, and any discounts you qualify for.

USAA discounts

While USAA has some of the lowest insurance rates compared to other companies, they also offer many opportunities for discounts, including:

  • Clean driving record discount: This discount varies by state but generally gives a discount to policyholders with no incidents on their record within a five year period.
  • Defensive driving course discount: Completing an approved defensive driving course or safe driver training may qualify you for a discount on your insurance premium.
  • USAA SafePilot program discount: SafePilot is an app-based program that monitors driving habits and adjusts your auto insurance rates according to your risk level. The app shows you how well you drive and gives tips to improve your driving skills. It tracks and scores your trips whenever you drive and offers up to a 30% discount when you renew your policy based on your score.

You may also qualify for discounts if you use a safe vehicle or secure your car, such as:

  • New vehicle discount: New cars may have better safety features. Policyholders with a car less than three years old may qualify for this discount.
  • Anti-theft device discount: Having a vehicle that comes with an anti-theft device or installing one may provide you with a discount.
  • Vehicle storage discount: You may be able to get a discount of up to 60% if your car is stored in a secure location without being driven. You could also get a smaller discount if you drive your car but have low annual mileage.
  • Discount for garaging your car on a military installation: You may get a discount of up to 15% on your comprehensive insurance premium if you live in a qualifying area and park your car within a military base.

Additional discount options that USAA offers include:

  • Good student discount: This form of family discount allows your student who has good grades to potentially qualify for lower insurance premiums. However, this discount isn’t available in North Carolina and Hawaii.
  • Bundling discounts: You could receive a discount by having two or more vehicles on an insurance policy. You could also get a discount by bundling two or more policies, such as homeowners insurance with auto insurance.
  • Loyalty discount: This discount is available to long-term USAA members and their family members. It takes off a portion of your premium after staying with USAA for a number of years.

FAQs

How do I contact USAA customer service?

You may contact USAA customer service by calling 800-531-USAA (8722) Monday to Friday from 7 a.m. to 11 p.m. ET, or Saturday from 9 a.m. to 9 p.m. ET. Current customers can also send secure messages or contact online chat once logged in to their online account.

Is USAA available only for military members?

USAA is not only for military members. To gain membership, you must have a connection to the military or a family connection to a military member or a USAA member. In particular, the following groups of people are eligible for USAA membership:

  • Active duty, guard, or reserve members
  • Veterans
  • Cadets and midshipmen
  • Current spouses
  • Widows, widowers, and former spouses of USAA members who have not remarried and who joined USAA before or during the marriage
  • Children whose parents joined USAA

Is USAA owned by the U.S. government?

The U.S. government does not own USAA. It is a privately owned member organization founded in 1922 by army officers and continues to be a privately held company today.

Bottom line

If you’re a military family or served in the military yourself, it’s worth comparing the auto insurance rates from USAA. You may save money on car insurance by switching to USAA, or perhaps you'd like to simply inquire about the discounts you may be eligible for. It takes less than 30 minutes to get a quote and there’s no obligation so you have nothing to lose.

  • You could save up to $600 with some companies
  • Compare dozens of providers in under 5 minutes
  • Fast, free and easy way to shop for insurance
  • Quickly find the perfect rate for you

Author Details

Lance Cothern Lance Cothern, CPA is a personal finance writer and founder of MoneyManifesto.com. Lance's work covering several personal finance topics has been published in U.S. News & World Report, Business Insider, Credit Karma, Investopedia, and several other publications.
Samantha Hawrylack Samantha Hawrylack is a writer with more than five years of experience. Her work has been published in Newsweek, MarketWatch, USA Today, Rocket Mortgage, BiggerPockets, Crediful, and many more. She holds a Bachelor of Science in Finance and a Master of Business Administration from West Chester University of Pennsylvania, and she was previously a brokerage investment professional with Series 7 and 63 licenses at Vanguard.