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USAA Auto Insurance Review

Rating: 7.1 / 10 (Very good)
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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 many personalized insurance types on offer. Their policies are complemented 24/7 support and a commitment to paperless policies.


USAA or the United States Automobile Association sells a variety of insurance instruments that includes auto insurance. Started in 1922 by a group of army officers, the USAA has since grown to be one of the most trusted insurance services today. USAA offers a list of coverage options designed to protect policy holders against costly repairs, property damage liability and medical bills.   


Who can join?

USAA membership is open to U.S. military service members, veterans who have honorably served, and their eligible family members. We also offer some products to individuals with no military affiliation.

  • Active, retired and honorably separated officers and enlisted personnel of the U.S. Military
  • Cadets and midshipmen at U.S. service academies, in advanced ROTC or on ROTC scholarship, plus officer candidates within 24 months of commissioning.
  • Individuals whose parents have or had USAA auto or property insurance.
  • Former USAA members who had auto or property insurance.
  • Widows, widowers and un-remarried former spouses of USAA members who had USAA auto or property insurance while married.

Source: USAA



Collision coverage

Comprehensive coverage

Bodily injury

Property damage

Personal Injury Protection

Medical payments and extended benefits coverage

Uninsured/ Underinsured motorist bodily injury coverage

Uninsured/ Underinsured motorist property damage coverage

Roadside assistance

Rental reimbursement

Accident forgiveness

Military Installation discount

Up to 15% discount on comprehensive coverage


Plans and Pricing

Male Single (insured/ no infractions)

$70 to $90


Male Married (insured/ no infractions)

$120 to $190


Female Single (insured/ no infractions)

$60 to $90


Female Married (insured/ no infractions)

$120 to $190



Driver discounts

  • Away at school
  • Safe driver
  • Defensive driving
  • Driver training
  • Good student


Membership savings

  • Loyal member
  • Multiple products
  • Family discounts


Vehicle discounts

  • New vehicles
  • Annual mileage
  • Multiple vehicle
  • Storage


Financial Ratings

A.M Best Financial Rating A++

A.M. Best Issuer Rating aaa

S&P Financial Strength AA+

S&P Issuer Strength AA+


Support Services

Roadside assistance

24/7 claims reporting

J.D. Power & Associates 5/5 customer satisfaction


The Bottom Line - USAA Auto Insurance

Excellent customer service and reviews, strong financial ratings and great coverage makes USAA auto insurance a great buy. Plus, it has the most competitive premiums that most auto insurance services would be hard pressed to match. The only downside is that this offer is not open to all prospective auto insurance buyers. But if you find yourself to be one of the millions of military servicemen and their families, then USAA should be top on your list.  


Start your review for
USAA Auto Insurance

Top Rated
10 / 10
  • Our #1 Choice - Trusted by Over 18,000,000 drivers
  • Competitive Rates, Tons of Discounts (safe driver, pay-in-full, multi-car, multi-policy, quoting online & more)
  • Name Your Price Tool®
  • Bundle Auto & Property to Save 5%
  • Snapshot® is a program that personalizes your rate based on how YOU drive.
  • Loan/lease Payoff Coverage, Roadside assistance & Strong Financial Ratings