USAA Auto Insurance Review

Rating: 9.3 / 10 (Excellent)
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USAA, otherwise known as United Services Automobile Association, is a Texas-based financial organization that operates worldwide. Founded in 1922, their auto insurance is just one of the many personalized insurance types they offer. Their policies are complemented by 24/7 support and a commitment to paperless policies.

How is USAA rated?


Coverage & Benefits
Pricing and Discounts
Financial Strength
Customer Experience

Overall Rating: 9.3 / 10 (Excellent)

USAA offers fairly standard coverage options, discounts, and additional benefits. That said, they have been able to perform remarkably well in terms of financial strength and customer experience. With exceptionally high ratings across the board, as well as a solid marketshare, USAA is an insurance provider well worth a prospective customer’s time.

USAA Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost

Coverage & Benefits - 9 / 10

From liability to uninsured motorist, USAA’s coverage options don’t stand out from their competitors. This is fairly standard in the car insurance industry, however, in which most companies offer all the same things. Their additional benefits are quite good, including rental car, towing, and labor cost reimbursement.

Customer Experience

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
NAICS Total Complaints 2016
*The NAICS Car Insurance complaint ratio (in this case 1.01) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 9.5 / 10

With its 1.01 complaint ratio, USAA’s customer service seems to work quite efficiently. Although they do have a good amount of negative reviews, this is fairly common for the industry, and their A+ rating with the Better Business Bureau is supported by 21 positive reviews.

Financial Strength

Key Details

Premiums Written 2016
Marketshare 2016
AM Best Financial Rating
Standard & Poor's Financial Rating

Financial Strength - 9.5 / 10

USAA is the sole underwriter of its policies, and can therefore enjoy sole responsibility for their 5.46% marketshare and near $12 Billion in premiums. This positive financial outlook is backed by its good ratings of AA+ and A++ from Standard & Poor's and AM Best, respectively.

Pricing & Discounts


  • Multiple Vehicle
  • Safe Driver
  • Student
  • Bundled Policy

Pricing and Discounts - 9.3 / 10

USAA offers very little in the way of discounts, especially as compared to its industry competitors. They do offer some provisions for students, safe driving records, and holders of multiple vehicles or policies.

Contact & Additional Information

Homepage URL
Company Phone
(210) 531-8722
Headquarters Address
9800 Fredericksburg Rd., San Antonio, TX, 78288
Year Founded

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Our Partner
9.3 / 10
  • Competitive premiums
  • Good list of discount options
  • Roadside assistance
  • Strong financial ratings
  • Good customer ratings
  • Membership requirements