Am I eligible for USAA insurance?


Not everyone can purchase insurance coverage with USAA. They are an insurance company that caters to active or former military members, offering coverage from auto to life insurance.

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UPDATED: 2022-06-10T21:08:42.812Z
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If you are searching for insurance, you may have heard of USAA. One of the nation’s largest insurance providers, USAA offers great deals on various insurance products, such as automobile, home, and life insurance.

But who is eligible to purchase USAA insurance? Unfortunately, not everyone can buy an insurance policy with the company. USAA sells insurance to active or former military members and their families.

Can I get USAA insurance?

If you served in the U.S. military, there’s a good chance you’re eligible for insurance coverage with USAA.

The company offers a variety of insurance products to the following members of the military:

  • Active-duty personnel
  • National Guard personnel
  • Reserve personnel
  • Retired veterans
  • Honorably discharged service members
  • Officer candidates

In addition to the individuals above, USAA offers insurance coverage to spouses, former spouses, adult children, widows, and widowers of a USAA member who purchased or still retains a USAA homeowners or auto insurance policy.

If you have not served in the military and are not the family member of a person who served and who currently has a USAA policy, you will not be able to purchase insurance with the company.

What insurance does USAA offer?

USAA offers several insurance products, including car, home, life, and health insurance. The company also has many options for checking and savings accounts and allows policyholders to carry a USAA credit card with several rewards options.

Because USAA started as an auto insurance company, it is still best known for its auto insurance options. But USAA offers property insurance as its second-largest product in the U.S. If you are looking for an auto or home insurance policy with USAA, you may want to know more about the options.

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Does USAA offer full auto insurance coverage?

Purchasing an auto insurance policy with USAA could allow you to save a great deal on annual premiums. USAA offers the following car insurance coverage options:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist

If you know you want to carry personal injury protection (PIP), medical payments (MedPay), GAP coverage, or other options, USAA may not be a good fit for you. However, you can call the company to speak with a representative and see other available coverage options.

USAA does offer many different discounts, including:

  • Military on-base
  • Automatic payments
  • Bundle
  • Annual mileage
  • Storage
  • Multi-vehicle
  • Family
  • Good student

If you are interested in an auto insurance policy with USAA, you can research the company to see how much you can save with a discount.

How much is car insurance with USAA?

Compared with other companies and their options, USAA car insurance is often considered relatively cheap. For example, the average auto insurance policy with USAA is around $675 per year or $57 per month.

If you are looking for full coverage with USAA, you can expect to pay a bit more for your insurance. Also, certain factors, such as your age, gender, credit score, driving history, and more, will impact how much you pay for coverage.

Does USAA offer homeowners coverage?

The second-largest insurance product USAA offers is homeowners insurance. Homeowners insurance with USAA covers events such as:

  • Fire
  • Theft
  • Vandalism
  • Weather-related incidents
  • Identity theft
  • Liability incidents

Because a USAA homeowners insurance policy offers versatility and flexibility, policyholders can choose the types of protection that work for them. Some of the most common options for protection with a USAA renters or homeowners policy include:

  • Dwelling coverage
  • Personal belongings
  • Personal liability
  • Home-sharing coverage
  • Earthquake coverage
  • Loss of use
  • Other structures

Similar to an auto insurance policy with USAA, a homeowners or renters insurance policy offers opportunities for policyholders to save with discounts. If you are interested in learning more about a homeowners or renters insurance policy, you can call USAA and speak to a representative.

What is USAA life insurance?

USAA offers term and permanent life insurance options to its clients. Term policies are available from 10 to 30 years, and permanent life insurance policies provide coverage to policyholders throughout their lifetime.

If you want to purchase a life insurance policy, USAA could be a good option. But you need to know which type of life insurance you and your family need. For example, if you are in your 20s or early 30s and are just starting your adult life or a family, a term life insurance policy may be a great fit.

Individuals in their 40s or older who want to purchase a life insurance policy that carries a cash value and offers more protection to their children and grandchildren may prefer a whole life policy.

Remember that your age, occupation, health status, and lifestyle can significantly impact your life insurance rates with USAA and most other companies.

Does USAA offer health insurance coverage?

Many people are unaware that USAA offers robust options in terms of health insurance. For example, the company has individual and family plans, Medicare coverage, dental and vision insurance, and accidental injury coverage.

If you are looking for an individual or family policy, USAA offers comprehensive plans, short-term options, and fixed health benefit plans. Open enrollment for these plans typically begins on November 1.

Suppose you are considering a Medicare plan or are looking for supplemental coverage options. In that case, you can do some research on the company website or call to speak with a USAA representative.

Is USAA the best in terms of cost?

Many experts consider USAA to be one of the top five most affordable insurance companies in the U.S. But this does not mean an insurance policy with USAA will automatically be the cheapest policy you can find.

Individuals interested in purchasing insurance with USAA should do their homework and research several companies in their area. Next, they should find and compare quotes from multiple companies at once to determine which offers the best rates.

Regardless of the type of insurance you are shopping for, there are quote comparison tools that can help determine which companies offer the coverage you need at a price you can afford. The most important thing to remember when shopping for insurance is not to go with the first company you find.

USAA Insurance: The Bottom Line

If you are a member of the military, were a member of the military in the past, or are a family member of a military member, you may qualify for USAA insurance.

USAA offers home, health, life, and auto insurance coverage options. But before you decide to go with USAA for your insurance needs, be sure to find and compare quotes from other companies in your area.

In many cases, USAA offers affordable insurance products, but there is a chance you may find more competitive coverage with another company.

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