USAA Insurance: A solid choice for eligible shoppers
USAA consistently ranks among the top auto insurance providers for customer satisfaction — and with good reason. It offers highly competitive premiums, strong coverage flexibility, and a suite of member perks that go beyond insurance, earning USAA a solid rating from experts at The Zebra.
However, eligibility is limited to military members and their families, and while customer service is widely praised, the claims experience can fall short in terms of speed and communication. Still, for those who qualify, USAA remains one of the most well-rounded options on the market.
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Mobile App Functionality and Usability: Manage claims, payments, and documents from your phone.
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Financial Strength Ratings: USAA’s strong ratings indicate the carrier can pay claims during major events.
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Communication During Claims Process: Poor communication forces you to chase down claim updates.
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Dispute Resolution Fairness: USAA’s unfair resolution can leave valid claims unpaid.
How much is USAA car insurance?
Currently, the national average for a 6-month car insurance policy is $1,163, whereas USAA is about $982.[
Discounts offered at USAA: Car buying tools and discounts with some manufacturers
USAA stands out with its extensive list of available discounts. USAA offers a number of car insurance discounts for its members along with discounts with some manufacturers when you’re in the market for another vehicle.
Young drivers (under 21) can earn a discount if they have taken a basic training course.
Drivers without accidents for at least five years could save on their premiums.
Applicable for vehicles under three years old may land a savings on their policy.
USAA’s customer service & claims experience: Outstanding customer service, frustrating claims process
USAA’s customer service and claims can range from great to frustating depending on what you need. If its helps with your policy or a simple claim, you will have a great experience. Some of the more complicated claims can suffer from lack of communication and leave a few claims unpaid.
USAA Customer Survey results
92% of customers recommend USAA
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers’ customer service, claims process, ease of use, and more. See how USAA was rated in individual categories by expanding the section below
How much will your rates climb after filing a claim with USAA?
No one wants to file a claim, but sometimes it’s impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| One comp claim | $867 |
| Two comp claims | $867 |
| None | $867 |
| At-fault accident – $1000-$2000 | $1,183 |
| At-fault accident – greater than $2000 | $1,229
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USAA’s claims process is accessible online and via their mobile app, making it convenient for policyholders. While simple claims are often resolved quickly, more complex cases can lead to longer wait times. Customer satisfaction surveys consistently place USAA in the middle tier, indicating they offer reliable service but may struggle with handling complicated claims efficiently.
Coverage options: Flexible and customizable
USAA offers a variety of basic auto insurance coverage options: liability coverage, uninsured motorist coverage, collision and comprehensive. We’ve outlined below some of USAA’s unique coverage options and add-ons for policyholders.
✔️ Rental reimbursement
✔️ Rideshare coverage
✔️ USAA extended benefits
✔️ Roadside assistance
Confirming your coverage is also easy to do on your USAA declarations page.
