USAA Car Insurance Review [2025]: Made for the Military

If you or a qualifying family member is a veteran or currently serves in the U.S. armed forces, I suggest getting a quote from USAA to see how much you might save on your auto insurance. USAA offers discounts tailored to the needs of military families and consistently quotes premiums that are far below the national average according to available data.

I think their lower premiums and strong customer service record certainly makes the company worth checking out, 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 doesn't offer some discounts that are common among its competitors, so it's always worth shopping around.

How we evaluate products

FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include

• Cost and discounts: We look for companies that offer discounts and lower than the national average premiums, or the opportunity to lower your premiums through various methods.
• Complaints and customer satisfaction: You must be able to trust your auto insurance company, so we thoroughly research a company’s reputation and how customers feel about the service. We use sources, such as J.D. Power, the Better Business Bureau, AM Best, and the National Association of Insurance Commissioners (NAIC).
• Coverage: We only include insurance companies that offer the option for full coverage, unless we find value in the policies a company offers.
• Ease of use: We look for companies that offer many ways to access your account, make a claim, and get payouts including phone, online, and mobile app support.

USAA pros and cons

How much does USAA cost?

Although there are several factors that affect car insurance rates, the average USAA liability-only policy costs just $46 per month. The amount you pay may be higher or lower based on where you live, your driving habits, and any discounts you qualify for. All that aside, though, $46 a month looks pretty stellar against the national average of $105 per month.

The issue you're always going to run into with USAA, though, is that those rock-bottom rates are only available to eligible customers — i.e., the military community.

Compare these numbers to the national averages below to see just how much more affordable USAA could be:

Is USAA car insurance good?

Company ratings:

• AM Best: A++
• J.D. Power claims satisfaction: 726/1,000 (study average 697)
• BBB: A+
• NAIC complaints: 0.96 (Private Passenger)

USAA gets strong ratings from various consumer watchdog groups, including A+ and A++ ratings from the Better Business Bureau and AM Best, respectively. With a score of 726 (compared to the study average of 697), USAA would rank within the top five of J.D. Power's 2024 U.S. Auto Claims Satisfaction Study, were it not ineligible due to not being available to general population consumers.

USAA has a National Association of Insurance Commissioners (NAIC) complaint index of 0.96. The NAIC complaint index compares insurance providers based on how many complaints they receive relative to a given year's study average across the industry. The NAIC calculates this by dividing the company's share of complaints by the total countrywide, with the national index set at 1.00, which means that a company with an index of 2.00 would have twice the expected number of complaints.

For USAA, however, that 0.96 index means that the company receives slightly less than the expected number of complaints. There are competitors who score better, but given the ire insurance companies often draw from consumers, any index below 1.00 is worth noting as a sign of solid customer service.

Discounts

As one might expect, in addition to many of the discounts you'd expect to find with most any care insurance company, USAA offers a few discounts specific to the military community. For example, drivers can save on their policy if they garage their vehicle at a military installation or if they're storing their vehicle while deployed.

Discount	Does USAA have it?	GEICO	Liberty Mutual
Loyalty	Yes	No	No
Multi-policy/bundling	Yes	Yes	Yes
Multiple vehicle	Yes	Yes	Yes
Airbag	No	Yes	No
Anti-lock brakes	No	Yes	No
Anti-theft	Yes	Yes	No
Safe driver	Yes	Yes	Yes
Good student	Yes	Yes	Yes
Away-from-home student	No	Yes	Yes
New car	Yes	Yes	No
Pay in full	No	Yes	Yes
Automatic payments	No	Yes	Yes
GAP insurance	No	No	No
Senior	No	No	No
Military	Yes	Yes	Yes
Defensive driving course	Yes	Yes	Yes (select states)

USAA SafePilot

USAA 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. According to USAA, using the app won't raise your premium.

Coverage

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's policy options include:

• Liability protection
• Comprehensive coverage
• Collision insurance
• Uninsured and underinsured motorist

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

• Roadside assistance
• Rental reimbursement
• Accident forgiveness

USAA vs. competitors

In terms of price, USAA offers consistently lower rates than its competitors. However, given that USAA is only available to members of the military, veterans, and their families, you're not going to be able to benefit from those low prices if you don't fall into one of those eligible customer groups.

But if you are in the company's eligibility pool, there are at least two other insurers that might prove competitive with USAA due to its military discount.

USAA vs. GECIO

While its policies are available to the general public, GEICO makes it a point to cater to members of the armed forces. It has a dedicated Military Center focused on sales and service for military policies and offers up to 15% off car insurance for veterans, National Guardsmen, active duty, and reserve service members. GEICO also offers discounts to military members who are deployed as part of a declared emergency deployment and members of the Navy League of the United States.

USAA vs. Liberty Mutual

Like GEICO, Liberty Mutual offers discounts to members of the military, specifically active, retired or reserved members of the U.S. Armed forces. Liberty Mutual doesn't get more specific than that in its online materials, so it's safe to assume the company doesn't offer the same level of savings or service that military members would find at USAA. Liberty Mutual also doesn't specify whether or not the discount applies to the family of eligible military members.

Other insurance offered by USAA

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

In fact, 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

FAQs

Bottom line

The numbers don't lie. USAA offers some of the best deals on car insurance out there, if you can get them.

If you're a qualifying military family member or served in the military yourself, it's worth getting a quote from USAA. It takes less than 30 minutes and there's no obligation to accept the quote, so you have nothing to lose. Then, compare your quote to what you might get with some of the other insurers on our list of best car insurance companies before deciding.