USAA Insurance: Compare Ratings, Rates, Discounts & Coverages

How much does USAA car insurance cost?

There are many factors that impact how much your car insurance policies cost including your age, marital status, credit score, where you live, and the company you choose. In the graph below, you can see the average cost of USAA car insurance compared to the national average cost of car insurance. The graph is split into four categories: teen driver, single adult, married couple, and senior driver.

The average USAA car insurance rates for all four driver profiles are lower than the national average car insurance rates. Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

Generally, USAA rates are significantly lower than the state or national averages for the areas they serve. This is only for a select group of insured parties, though.

How much does USAA homeowners insurance cost?

Characteristics that are unique to you and your home can affect how much you'll pay for homeowners insurance policies. The cost can vary based on factors including the location of your home, your home's condition and age, the size and type of home, the crime rate in your area, your claim history and your credit score. In the graph below, you can see the average cost of USAA homeowners insurance compared to the national average of homeowners insurance. The graph is split into two categories: a home worth $200,000 and a home worth $400,000.

The average USAA homeowners insurance rates for both home profiles are lower than the national average of homeowners insurance. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates. Discounted rates are also specifically made for service members.

What discounts does USAA insurance offer?

USAA insurance is known for its affordable prices on policies, but the company also offers discounts for safe driving and safe vehicles, as well as membership savings.

USAA insurance driver discounts:

• Safe Driver Discount: Customers who maintain a good driving record for 5 or more consecutive years are eligible for a discount. This includes not filing any claims
• Defensive Driving Discount: Customers who pass an approved driving course receive discounts on their insurance rates
• Driver Training Discounts: Drivers under 21 can complete a driver training course in order to receive a discount on their monthly premiums
• Good Student Discount: Students with USAA insurance coverage are eligible for a discount if they maintain good grades

USAA insurance vehicle discounts:

• New Vehicle: Discounts are available on vehicles less than 3 years old
• Multi-Vehicle: Customers who insure two or more vehicles are eligible for a discount on their insurance premium
• Annual Mileage: Discounts based on the number of miles customers drive per year are also available
• Vehicle Storage: Customers can save up to 60 percent when they store a vehicle with active coverage

Ways to save when you're a USAA member:

• Family Discount: A 10 percent discount is applied when children of existing customers insure their own vehicles with the company
• Bundle & Save: Discounts are offered to customers who bundle their auto and home insurance with USAA
• Length of Membership Savings: Customers earn discounts by staying loyal and continuing coverage for an extended period of time
• Military Installment Discount: Military members that garage their vehicle on base can receive discounts of up to 15 percent

USAA FAQs

Is USAA only for military members?

USAA is only available for active, retired, and separated veterans and their families. You're eligible for USAA if you are active duty, Guard or Reserve, a veteran, an eligible family member, a cadet, or midshipman. Eligible family members include spouses, widows, widowers, and unmarried former spouses of USAA members who joined USAA before or during the marriage. If your parents joined USAA, you are eligible for USAA membership. Step-children and biological children are eligible as well. Siblings and parents are not eligible. Likewise, family members are not eligible if the service member did not sign up themselves.

What are the benefits of USAA?

USAA benefits include banking, insurance, financial advice, and shopping discounts. The benefits are outlined below.

• Banking with USAA: Along with insurance, there are several different financial products available including 60,000 USAA preferred ATMs nationwide, military pay, credit card rewards programs, auto, and home loans and help during deployment.
• Insurance with USAA: USAA offers car, homeowners, health, life, motorcycle, RV, boat, small business and pet insurance. They also are available online or by phone to help with filing claims for covered accidents, understanding policy details like pricing and coverage limits, answering questions, and more.
• Advice with USAA: USAA offers advice for retirement, military, and work as well as planners and calculators to help you determine monthly expenses and how much you can afford to spend on a car or home.
• Discounts: With a membership, you'll receive discounts on many things including car rental, travel deals, home security, car buying, shopping rewards to hundreds of online stores and exclusive discounts on shipping, moving, and storage on top of any other existing military discounts.

Can I get USAA if my grandfather served?

You are not eligible for USAA if your grandfather served in the military. USAA is only available for direct family lines.

What more should you know about USAA insurance?

USAA's website and mobile app allow direct access to everything USAA has to offer. Through USAA's website, you can receive a competitive loan or compare car insurance quotes. The mobile app allows you to manage your current policy, get quotes for a new type of coverage, view current USAA auto insurance ID cards or request new ones, and more. USAA's mobile app also allows customers to have access to their finances, investments, insurance, and more right on their smartphones. For insurance benefits, USAA's app includes accident checklists, roadside assistance, and the ability to report claims.

Clients can go through the entire claims process online which helps them save time when they need to use their coverage for accidents. Of course, you can also do this by phone if you wish.

As part of their commitment to excellent customer service, USAA provides roadside assistance for all members. This includes everything from towing and gas delivery to tire replacement and more.