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USAA Insurance: Compare Ratings, Rates, Discounts & Coverages

Who is USAA?

The United Services Automobile Association has proudly served military members and their families since 1922. They offer automobile, homeowners, and renters insurance, as well as banking, investment, and retirement services. USAA insurance prides itself on bringing the values of the military to its service, and on using military methods to help its members organize their finances. Their insurance policies have proven popular with current and former members of the military and their families, as there were more than 11.9 million members using USAA's services by the end of 2016.

Do I qualify for USAA insurance?

  • They serve active military members in the U.S. Air Force, Army, Coast Guard, Marines, and Navy
  • They also serve former military members who have retired or separated honorably
  • They serve the family of military members such as widows, widowers, un-remarried spouses of USAA members, and individuals with parents insured by USAA
  • Cadets & midshipmen who are attending U.S. service academies in ROTC or officer candidates within 24 months of commissioning also are eligible for insurance services as well

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.

USAA car insurance rates

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.

USAA home insurance rates

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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

What coverages does USAA offer?

What coverages does USAA offer?

USAA offers optional coverage that policyholders can add to their car insurance policy to receive extra coverage on their vehicle. USAA offers the following coverage options.

Roadside Assistance: USAA offers roadside assistance that you can add to your USAA car insurance policy. All USAA customers have access to USAA's roadside assistance, but if you don't have Towing and Labor coverage on your policy, you'll be responsible for paying for the cost of the service out-of-pocket. USAA's roadside assistance is provided through Cross Country Motor Club, Inc., Medford, MA in everywhere except Arkansas, California, Hawaii, Oregon, and Wyoming where it's provided through Cross Country Motor Club of California, Inc.

Rental Reimbursement: USAA offers rental reimbursement coverage to help cover the cost of a rental car if your car is damaged and needs repairs.

Accident Forgiveness: USAA offers accident forgiveness to customers who remain accident-free for five years at USAA. Accident forgiveness helps you avoid a rate increase after one accident. Accident forgiveness is available to purchase in some states, but it isn't available in Connecticut, Delaware, North Carolina, California, and New York.

If you’re looking for extended coverage on your USAA homeowners insurance policy, there are a few options available that you can add to your policy. USAA offers the following extra coverages for your home.

Replacement Cost Coverage: Depreciation can cause the value of personal belongings to go down. USAA offers replacement cost coverage which covers your home and personal belongings at the value they are today without factoring in depreciation.

Home Sharing Coverage: Do you rent out your home or even just a room in your home? USAA offers home-sharing coverage to protect you if you share your home.

Motorcycle insurance is also available with the following features and discounts:

Motorcycle Coverage: USAA works with an agency provider to offer motorcycle insurance. As a member, you are eligible for a 5% discount on your motorcycle insurance rate. You can also opt-in to roadside assistance for your bike. Classic bikes and custom motorcycles are also eligible for USAA coverage.

Pet Health Insurance Coverage: Most people may not know that there is also USAA pet insurance. There isn't much of a difference between this type of policy and human health insurance. You can use your pet insurance policy to cover vet visits, emergencies, and regular medications that your pet may need for chronic conditions. The pet insurance plan is offered in conjunction with Embrace Pet Insurance Agency and includes coverage for vaccinations, emergency care, routine care, diagnostic testing, breed-specific conditions, and more. If you'd like to save money on vet bills through reimbursement, you should consider protection for your furry family. There may be policy discounts available for multi-pet families. (Please note: some preexisting conditions could disqualify your animals.)

Below is a list of other insurance products that USAA offers:

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.

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.

What states does USAA do business in?

USAA sells car, homeowners, renters and motorcycle insurance in 50 states and Washington, D.C.. See the state USAA sells in below and click the link to see how USAA compares to the other top companies in that state.

a child hugging a military man, USAA - We proudly serve military members and their families