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USAA SR-22 Insurance Review

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USAA is a Texas-based financial company that provides banking, credit monitoring, auto, home, property, life, and health insurance services throughout the United States. Since 1922, they've focused on servicing the military community and their families, and many of their policies reflect this specific concern, addressing issues within that social sector.

How is USAA rated?


Overall Rating: 0 / 10 (N/A)

USAA specializes in a specific niche market, providing insurance and other assistance to members of the military and their families. The company's benefits are comprehensive, as are its discounts; and its financial standing is excellent. However, we found a high number of customer complaints regarding service and claims processing issues, though this is fairly common within the insurance industry.

USAA Coverage & Benefits

Coverage & Benefits - 8.9 / 10

USAA's benefits are wide-ranging, including disabilities, and a specific death benefit, as well as the more conventional comprehensive, collision, liability, roadside assistance, and uninsured or underinsured motorist. High-risk drivers should be aware that not all coverage benefits will be available to them.

Basic Coverage

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

Additional Coverage

  • Rental Reimbursement
  • Glass

Coverage Fine Print

Benefits - Provides wage earner and essential services disability benefits, plus a specific death benefit. This coverage can be carried only when medical payments coverage is also carried. Coverage varies by location. See policy for details.

USAA Pricing & Discounts

Pricing & Discounts - 9.1 / 10

USAA offers some of the largest collection of auto insurance discounts in the industry, including for vehicle storage, vehicles under three years old, and membership. They even provide a 5% additional discount for members who consent to have their driving habits tracked, in order for the company to gain further understanding into their customers' driving habits. Similarly to other insurers, applicable discounts may vary depending on the state of residence, as well as the customer's SR-22 status.


  • Defensive Driving Course Discount
  • Driver Training Discount
  • Multiple Vehicle
  • Safe Driver
  • Low Milage
  • Vehicle Safety
  • Student

USAA Financial Strength

Financial Strength - 8.7 / 10

USAA's long history within the insurance industry has resulted in a considerable financial standing. The company processes all insurance in-house, serving as their own underwriter, further solidifying their status as one of United States' top insurers.

Financial Ratings

Moody's Financial Rating
AM Best Financial Rating
Company Type
Year Founded

USAA Customer Experience

Customer Experience - 6.7 / 10

USAA has quite conflicting reviews, though this is not uncommon for the industry. The company enjoys an A+ rating with the BBB, but their TrustPilot score is considerably poorer than that at 3.4. Many complaints are related to unsatisfactory customer service and difficult claims processing.


BBB Rating
Trust Pilot Rating
3.4 out of 10
NAICS Complaint Ratio 2016
NAICS Total Complaints 2016
Date Collected


  • Online Management
  • 24/7 Support
  • Mobile App
  • Car-Buying Support

Company Profile

Full Name
USAA SR-22 Insurance
Company Website
9800 Fredericksburg Road, San Antonio, TX, 78288

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Top Rated
  • Get a free online quote
  • See which discounts are available in your state
  • Choose between different coverage types
  • Benefit from the expertise of almost 100 years in business
  • One-on-one agent support
  • Agents in almost every zip code