Am I eligible for USAA insurance?


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Written by
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Reviewed by
Licensed Auto Insurance Agent
UPDATED: 2021-03-01T20:07:43.440Z
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USAA mobile app on the screen of a smartphone with a flag in the background.

USAA Insurance is one of the most popular and highly rated insurance companies in the United States, but USAA eligibility is only available to military members and their families. USAA offers a range of insurance options that are diverse since they want individuals who are affiliated with the military to choose USAA for all of their insurance needs from car insurance to life insurance or renters insurance.

Are you or one of your family members affiliated with the military? If so, you may be qualified for USAA insurance.

USAA eligibility - Can you get USAA insurance?

USAA is only available to active and former military members and their families, but there are certain USAA eligibility guidelines. You are eligible for a USAA membership if you are active duty, Guard or Reserve, a veteran with an “Honorable” type of discharge from the U.S. military, an eligible family member, or a cadet or midshipman. In order to be eligible for USAA insurance, you must join as a USAA member.

If a parent who was affiliated with the military has a USAA membership, their grown children (step-children or biological children) are also allowed to reap the benefits of USAA insurance and other services, as long as that parent is an official member of USAA. The grown child of the parent recipient of USAA is also allowed to pass the insurance and other benefits along to their spouse and children.

Additionally, individuals who are widows or widowers of the USAA recipient can remain members of USAA unless they remarry. There are conditions, however, to be a member of USAA. The main member of USAA must be alive in order for the spouse or children (both stepchildren and biological children) to apply to become a member of USAA.

USAA insurance understands the importance of family to a military member, which is why they encourage the military member’s immediate, direct family to be a part of the insurance plan. However, there are individuals who are not eligible for USAA membership and insurance coverage. USAA eligibility cannot be passed to, cousins, parents, or other non-immediate family members of the military member.

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How do you become a USAA member?

A USAA membership is free. Once you have an account, you are eligible for USAA’s insurance and other benefits. To become a member, you can visit USAA’s website to begin the process.

The steps are to first determine your USAA eligibility. You will need the following information to verify eligibility:

  • Personal information including your date of birth, contact information, and Social Security number
  • Details about you or your family member's military service
  • A passport or permanent resident card if you are a non-US citizen

You cannot become a USAA member if your military family member is not a member of USAA. The only way to become a part of USAA is if your military-affiliated family member is first a member of USAA and is able to pass USAA eligibility on to you.

What does USAA insurance cover?

USAA offers many different types of insurance, including car, home, and renters insurance. Regardless of the life stage of the USAA member, USAA offers an insurance plan that will fit that life stage. If you’ve established your USAA eligibility, be sure to browse USAA’s available insurance products

USAA offers the following types of insurance policies:

  • Annuities
  • Car insurance
  • Boat insurance
  • Condo insurance
  • Flood insurance
  • Homeowners insurance
  • Life insurance
  • Health insurance coverages
  • Motorcycle insurance
  • Renters insurance
  • Landlord insurance
  • RV insurance
  • Small business insurance
  • Umbrella insurance
  • Pet insurance
  • Travel insurance
  • Special events insurance and more!

USAA insurance policies are customizable to fit your needs and budget. USAA also offers many discounts that may help lower the cost of insurance policies. For homeowners insurance, USAA offers specialty coverages such as home sharing coverage and earthquake coverage that you can add to your homeowners insurance policy. To learn more about USAA, visit USAA’s profile page on Clearsurance, where you can also read reviews written but USAA insurance customers.

USAA renters insurance is unusual since flood and earthquake coverage come standard on all USAA renters insurance policies. You can learn more by reading Clearsurance’s blog about USAA renters insurance.

USAA says on their website that members save an average of $707 on car insurance when they switch to USAA. Customers also consider USAA as one of the best car insurance companies for roadside assistance.

If you bundle your USAA home or renters insurance with car insurance, you can save 10 percent on your home or renters insurance.

What does USAA offer besides insurance?

USAA offers not only insurance, but it also offers services of banking, investments, shopping & discounts, advice, and other tools for its members.

Below are the types of benefits that USAA members can take advantage of:

  • USAA banking: USAA offers its members direct deposit, which is beneficial for members who receive military pay. Additionally, USAA provides competitive credit card rates for its patrons. Lastly, there are roughly 60,000 USAA-preferred ATMS for its customers to use with no fees attached.
  • USAA shopping discounts: discounts ranging from car rental insurance, travel deals, and car buying discounts.
  • Financial planning and budgeting: Additionally, USAA understands the difficulty of budgeting and balancing military and work life. USAA offers advice to its members ranging from planning for retirement, budgetary advice for personal finances, as well as feedback and guidance on how to find a balance between military and personal life.

The shortened list of benefits are just a preview of what USAA offers to its patrons. To read the full list of benefits in each category, visit USAA’s website.

What do consumers think of USAA?

USAA is an incredibly popular carrier. It’s one of the best military car insurance companies available, according to consumers. The volume of positive reviews speaks for itself.

The overall rating score for the company is a 4.73 out of 5.00 with more than 6,000 USAA reviews as of February, 2020. More than 80 percent of the reviews were rated as “excellent,” while only 1.2 percent of the reviews rates USAA as “poor.”

On average, USAA policyholders consistently rate USAA highly for its great customer service and competitive prices. Below are examples of USAA reviews that people have written on Clearsurance. These USAA members rated their experiences highly and were thrilled with the service they received in addition to the competitive rates.

One user who has trusted USAA car insurance for many years said in a review, “I have been with this company for nearly 28 years now and have nothing but great things to say about them. They have great rates and are very responsive to customer needs and claims.”

Another user stated in a review, “I've had nothing but good experiences with USAA for my auto insurance. When I recently moved and called to update my policy, they went through all of my coverage to make sure that I knew exactly what I had and if I needed any changes. My premium also went down which they were delighted to inform me. They are always pleasant to speak to on the phone and are very helpful.”

You can read more USAA insurance reviews by visiting USAA’s profile page on Clearsurance.

Have you established your USAA eligibility? If you’ve had a USAA insurance policy, be sure to write a review of USAA on Clearsurance to let the community know what you think of the company.

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