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.

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.

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.

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.