{"id":323596,"date":"2025-11-07T21:34:17","date_gmt":"2025-11-08T02:34:17","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=121097"},"modified":"2025-11-07T21:34:17","modified_gmt":"2025-11-08T02:34:17","slug":"usaa-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/","title":{"rendered":"USAA Auto Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"USAA Auto Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>USAA continues to earn among the highest customer satisfaction results in J.D. Power\u2019s most recent insurance studies, but it is typically not rank eligible because it serves a restricted membership (military community); see the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">2024 U.S. Auto Insurance Study<\/a>.<\/li><li>USAA\u2019s core property\/casualty insurance companies hold an A++ (Superior) Financial Strength Rating from AM Best, the highest category on AM Best\u2019s scale; see USAA\u2019s <a href=\"https:\/\/www.usaa.com\">credit ratings<\/a> and <a href=\"https:\/\/web.ambest.com\/ratings-services\/ratings\/definitions\">AM Best rating definitions<\/a>.<\/li><\/ul>\n\n\n\n<p>USAA <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">car insurance<\/a> is designed for active-duty service members, Guard\/Reserve, veterans, and eligible spouses and children. Membership eligibility is required. Available in all 50 states and Washington, D.C., USAA pairs competitive auto coverage with banking and investment products and robust digital tools for policy management.<\/p>\n\n\n\n<p>USAA offers strong digital self-service via its <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.usaa.com\/inet\/wc\/usaa_mobile_main\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">mobile app<\/a> and a moderated member community for advice and support. Visit the <a href=\"https:\/\/www.usaa.com\">USAA community<\/a>. Its claims-paying ability is supported by an <a href=\"https:\/\/www.usaa.com\">A++ (Superior) AM Best financial strength rating<\/a>. Our USAA car insurance review emphasizes current satisfaction context from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power\u2019s 2024 study<\/a> (USAA not rank eligible) and verified discount programs including SafePilot and military-specific savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">USAA&#8217;s Full Coverage Average Premium In Each State<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>Average Annual Full Coverage Premium<\/strong><\/td><\/tr><tr><td>Alabama<\/td><td>$1,230<\/td><\/tr><tr><td>Alaska<\/td><td>$1,069<\/td><\/tr><tr><td>Arizona<\/td><td>$1,288<\/td><\/tr><tr><td>Arkansas<\/td><td>$1,142<\/td><\/tr><tr><td>California<\/td><td>$2,400<\/td><\/tr><tr><td>Colorado<\/td><td>$1,310<\/td><\/tr><tr><td>Connecticut<\/td><td>$1,264<\/td><\/tr><tr><td>Delaware<\/td><td>$955<\/td><\/tr><tr><td>Florida<\/td><td>$2,650<\/td><\/tr><tr><td>Georgia<\/td><td>$1,506<\/td><\/tr><tr><td>Hawaii<\/td><td>$1,009<\/td><\/tr><tr><td>Idaho<\/td><td>$725<\/td><\/tr><tr><td>Illinois<\/td><td>$1,242<\/td><\/tr><tr><td>Indiana<\/td><td>$834<\/td><\/tr><tr><td>Iowa<\/td><td>$1,026<\/td><\/tr><tr><td>Kansas<\/td><td>$1,225<\/td><\/tr><tr><td>Kentucky<\/td><td>$1,466<\/td><\/tr><tr><td>Louisiana<\/td><td>$2,035<\/td><\/tr><tr><td>Maine<\/td><td>$718<\/td><\/tr><tr><td>Maryland<\/td><td>$1,574<\/td><\/tr><tr><td>Massachusetts<\/td><td>$1,500<\/td><\/tr><tr><td>Michigan<\/td><td>$1,255<\/td><\/tr><tr><td>Minnesota<\/td><td>$1,491<\/td><\/tr><tr><td>Mississippi<\/td><td>$1,109<\/td><\/tr><tr><td>Missouri<\/td><td>$988<\/td><\/tr><tr><td>Montana<\/td><td>$931<\/td><\/tr><tr><td>Nebraska<\/td><td>$1,138<\/td><\/tr><tr><td>Nevada<\/td><td>$1,549<\/td><\/tr><tr><td>New Hampshire<\/td><td>$681<\/td><\/tr><tr><td>New Jersey<\/td><td>$2,100<\/td><\/tr><tr><td>New Mexico<\/td><td>$1,102<\/td><\/tr><tr><td>New York<\/td><td>$2,137<\/td><\/tr><tr><td>North Carolina<\/td><td>$980<\/td><\/tr><tr><td>North Dakota<\/td><td>$815<\/td><\/tr><tr><td>Ohio<\/td><td>$820<\/td><\/tr><tr><td>Oklahoma<\/td><td>$1,388<\/td><\/tr><tr><td>Oregon<\/td><td>$1,038<\/td><\/tr><tr><td>Pennsylvania<\/td><td>$1,126<\/td><\/tr><tr><td>Rhode Island<\/td><td>$1,297<\/td><\/tr><tr><td>South Carolina<\/td><td>$1,447<\/td><\/tr><tr><td>South Dakota<\/td><td>$1,337<\/td><\/tr><tr><td>Tennessee<\/td><td>$1,116<\/td><\/tr><tr><td>Texas<\/td><td>$1,344<\/td><\/tr><tr><td>Utah<\/td><td>$839<\/td><\/tr><tr><td>Vermont<\/td><td>$807<\/td><\/tr><tr><td>Virginia<\/td><td>$890<\/td><\/tr><tr><td>Washington<\/td><td>$818<\/td><\/tr><tr><td>Washington, D.C.<\/td><td>$876<\/td><\/tr><tr><td>West Virginia<\/td><td>$1,185<\/td><\/tr><tr><td>Wisconsin<\/td><td>$785<\/td><\/tr><tr><td>Wyoming<\/td><td>$950<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Data source and methodology: <a href=\"https:\/\/www.usatoday.com\/money\/blueprint\/insurance\/car-insurance\/usaa-car-insurance-review\/\">USA TODAY Blueprint<\/a> and <a href=\"https:\/\/www.marketwatch.com\/guides\/insurance\/car-insurance\/usaa-insurance\/\">MarketWatch Guides<\/a> 2025 USAA state rate tables (Quadrant Information Services; standardized driver profile; monthly figures annualized by x12). Individual quotes vary by state, driver, vehicle and coverages.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"USAA Car Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_6094126097f2d\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">USAA Car Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1922<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                A.M. Best:\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A++<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power:\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Not rank eligible (see 2024 study)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States Served:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">50 + D.C.<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>USAA offers a full suite of insurance, banking, and investment products for military families. The <a href=\"https:\/\/www.usaa.com\">USAA community<\/a> provides moderated peer-to-peer answers and guidance, and USAA\u2019s <a href=\"https:\/\/www.usaa.com\/inet\/wc\/usaa_mobile_main\">mobile app<\/a> supports ID cards, payments and claims. In J.D. Power\u2019s most recent studies, USAA posts top-tier satisfaction but is not rank-eligible due to membership limits; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">Auto Insurance<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">Home Insurance<\/a>. USAA\u2019s insurer financial strength remains top tier with an <a href=\"https:\/\/www.usaa.com\">A++ (Superior) AM Best rating<\/a> and high marks from other agencies. In 2020, USAA returned <a href=\"https:\/\/www.insurancejournal.com\">approximately $1.07 billion in special auto insurance dividends<\/a> and announced a <a href=\"https:\/\/www.usaa.com\">$50 million multi\u2011year commitment to advance racial equality<\/a>; USAA continues to report ongoing community impact in its <a href=\"https:\/\/www.usaa.com\/corporate-responsibility\">Corporate Responsibility<\/a> materials.<\/p>\n\n\n\n<section id=\"block_609412e797f34\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Superior financial strength<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">USAA\u2019s core P&#038;C companies carry an A++ (Superior) AM Best rating \u2014 AM Best\u2019s highest FSR category \u2014 indicating a superior ability to pay claims through market cycles.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Top-tier satisfaction (not rank-eligible)<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">In J.D. Power\u2019s latest 2024 insurance studies, USAA again posts among the highest satisfaction scores but is not rank eligible due to its restricted membership.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Distinct military savings options<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">USAA offers military\u2011specific savings such as on\u2011base (military installation) and vehicle storage discounts, alongside SafePilot telematics and standard multi\u2011policy\/multi\u2011vehicle discounts.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Nationwide availability + digital tools<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Auto coverage is offered in 50 states and D.C., supported by a highly rated mobile app, online claims, and a moderated community for member support.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Membership criteria required<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Eligibility is limited to active military, Guard\/Reserve, veterans, and eligible family members; non\u2011military consumers are not eligible for USAA membership.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Complaint levels vary by year<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">NAIC complaint index results fluctuate by year and product line. Check the current NAIC Consumer Complaint Index for the most recent data before you buy.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Online reviews are mixed<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Third\u2011party review sites reflect a range of claims and service experiences; satisfaction also varies by state and claim type.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Add\u2011on availability varies by state<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Optional coverages like rideshare and Car Replacement Assistance may not be offered in all states; check state\u2011specific availability.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"USAA Auto Highlights\"><\/span>\n    \n\n                \n<section id=\"block_6094137697f3e\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\"><\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Discounts &#038; Add-ons <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>USAA offers standard auto coverages like liability, comprehensive, collision, uninsured\/underinsured motorist and medical coverages. Optional features can include roadside assistance, rental reimbursement, glass coverage, rideshare coverage and Car Replacement Assistance (pays above ACV in a covered total loss). Availability varies by state and underwriting company. See USAA\u2019s auto pages and ask a licensed agent to tailor limits and deductibles to your needs.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>USAA continues to achieve top-tier satisfaction in J.D. Power\u2019s most recent insurance studies but is not rank eligible due to membership limits; see the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">2024 study<\/a>. Digital servicing is a strength: members can file and track claims online or via the <a href=\"https:\/\/www.usaa.com\/inet\/wc\/usaa_mobile_main\">USAA Mobile App<\/a>, and engage peers in the <a href=\"https:\/\/www.usaa.com\">USAA community<\/a>. USAA\u2019s A++ (Superior) AM Best rating underscores claims-paying ability.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Current (2025) savings include: multi-policy (bundle) discounts when you combine auto with property insurance; multi-vehicle discounts; <a href=\"https:\/\/www.usaa.com\">SafePilot<\/a> telematics (potential savings up to 30% where available); good student; defensive driving\/driver training; new vehicle; family\/legacy; and distinctive military savings like military installation (on-base) and vehicle storage. Third-party 2025 sources cite up to 15% off comprehensive for on-base and up to 60% savings when a vehicle is stored during deployment (availability varies by state). See USAA\u2019s <a href=\"https:\/\/www.usaa.com\">auto discounts<\/a> and <a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s 2025 review<\/a> for typical savings ranges.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Members can report claims online, by phone, or through the mobile app; non\u2011policyholders can also file and track claims online. After a loss is reported, USAA reviews coverage and liability, connects you with repair options, and facilitates rental reimbursement if purchased. Digital status updates help track progress from estimate to settlement.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\">USAA&#8217;s Car Insurance Bundling Discounts for Cheaper Insurance<\/h2>\n\n\n\n<p>USAA offers a multi\u2011policy (bundle) discount when you combine auto with property insurance (homeowners, renters, or condo). Discount amounts and eligibility vary by state and product, and the savings are typically applied to the property policy; see USAA\u2019s <a href=\"https:\/\/www.usaa.com\">bundle<\/a> overview. Additional ways to save include <a href=\"https:\/\/www.usaa.com\">SafePilot<\/a> (potentially up to 30% for safe driving where available), the military installation discount (often up to 15% off comprehensive coverage where offered), and vehicle storage during deployment (often up to 60% off while stored), per 2025 third\u2011party reviews like <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>. To explore a bundle, speak with a USAA licensed agent or <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\" rel=\"nofollow\" class=\"achor-toggles\">get a quote<\/a> for both home and auto (or add auto if you already insure your home or belongings).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA Car Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>AM Best<\/strong><\/td><td><strong>J.D. Power Customer Satisfaction*<\/strong><\/td><td><strong>No. of Discounts<\/strong><\/td><\/tr><tr><td><strong>USAA<\/strong><\/td><td>A++<\/td><td>Not rank eligible (see 2024 study)<\/td><td>Core set incl. bundle, multi\u2011vehicle, SafePilot, student, training, new vehicle, on\u2011base, storage<\/td><\/tr><tr><td><strong>Nationwide<\/strong><\/td><td>A+<\/td><td>Varies by region (see 2024 study)<\/td><td>Telematics via SmartRide (up to 40%), plus multi\u2011policy and standard discounts<\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>A++<\/td><td>Often above segment averages in many regions (see 2024 study)<\/td><td>Drive Safe &amp; Save telematics (up to 30%) and broad standard discounts<\/td><\/tr><tr><td><strong>Allstate<\/strong><\/td><td>A+<\/td><td>Mixed by region (see 2024 study)<\/td><td>Drivewise telematics, Milewise pay\u2011per\u2011mile, multi\u2011policy and standard discounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information current as of 2025. Sources: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">J.D. Power 2024 U.S. Auto Insurance Study<\/a>; USAA <a href=\"https:\/\/www.usaa.com\">credit ratings<\/a>; competitor telematics: <a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartride\">Nationwide SmartRide<\/a>, <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/drive-safe-save\">State Farm Drive Safe &amp; Save<\/a>, <a href=\"https:\/\/www.allstate.com\">Allstate Drivewise<\/a>.<\/em><\/p>\n\n\n\n<p><em>*USAA is typically not rank eligible for J.D. Power awards because it serves a restricted customer base (military). Scores are based on a 1,000\u2011point scale; consult your region\u2019s results in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2024 study<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">USAA vs. Nationwide&nbsp;<\/h3>\n\n\n\n<p>Both offer broad product suites nationwide, but USAA requires military affiliation. Nationwide leans into usage\u2011based programs with <a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartride\">SmartRide<\/a> (advertised potential up to 40%) and a pay\u2011per\u2011mile option, while USAA\u2019s <a href=\"https:\/\/www.usaa.com\">SafePilot<\/a> offers behavior\u2011based savings up to 30% where available. USAA also provides military\u2011specific discounts (on\u2011base and storage) that are uncommon among general\u2011market insurers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">USAA vs. State Farm<\/h3>\n\n\n\n<p>State Farm serves the general market and emphasizes telematics savings via <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/drive-safe-save\">Drive Safe &amp; Save<\/a> (advertised up to 30%), plus a broad standard discount set and in\u2011person agent support. USAA matches core coverages and adds military\u2011focused savings like on\u2011base and deployment storage discounts, alongside <a href=\"https:\/\/www.usaa.com\">SafePilot<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">USAA vs. Allstate<\/h3>\n\n\n\n<p>Allstate offers feature\u2011rich add\u2011ons (e.g., Accident Forgiveness, New Car Replacement) and telematics via <a href=\"https:\/\/www.allstate.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Drivewise<\/a>, plus a mileage\u2011based option in many markets. USAA often posts higher satisfaction among eligible members (not rank eligible in J.D. Power award tables) and differentiates with military\u2011specific discounts and SafePilot.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA Car Insurance FAQ<\/h2>\n\n\n<div id=\"block_6094162497f43\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is USAA car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There isn\u2019t a single national price because rates depend on your state, driver profile, vehicle, and coverages. For current benchmarks, review the 2025 state tables from <\/span><a href=\"https:\/\/www.usatoday.com\/money\/blueprint\/insurance\/car-insurance\/usaa-car-insurance-review\/\"><span style=\"font-weight: 400;\">USA TODAY Blueprint<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.marketwatch.com\/guides\/insurance\/car-insurance\/usaa-insurance\/\"><span style=\"font-weight: 400;\">MarketWatch Guides<\/span><\/a><span style=\"font-weight: 400;\"> (Quadrant data). Many states show USAA among the lower-cost large insurers for full coverage, but individual quotes vary widely. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6094163997f44\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who is eligible for USAA auto insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">USAA restricts membership for car insurance and other products to pre commissioned officers, active duty military, veterans, and their spouses and children. Siblings and parents of military members are not eligible.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6094163c97f45\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is USAA really cheaper?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">USAA is often among the lower-cost large insurers for eligible members, but your price depends on your state and risk factors. Compare quotes across carriers for your profile. For current directionally accurate benchmarks by state, see <\/span><a href=\"https:\/\/www.usatoday.com\/money\/blueprint\/insurance\/car-insurance\/usaa-car-insurance-review\/\"><span style=\"font-weight: 400;\">USA TODAY Blueprint<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate<\/span><\/a><span style=\"font-weight: 400;\">. If you are a <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-for-high-risk-drivers\/\"><span style=\"font-weight: 400;\">high-risk driver<\/span><\/a><span style=\"font-weight: 400;\">, rates vary even more by insurer and state.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated USAA based on discounts, coverage, online resources, financial strength, and customer satisfaction. To compare carriers, we emphasized current sources and study context:<\/p>\n\n\n\n<ul><li>Discounts: Verified against USAA\u2019s official pages (bundle, multi\u2011vehicle, SafePilot, student, training, new vehicle, on\u2011base, storage) and cross\u2011checked with 2025 third\u2011party reviews; see <a href=\"https:\/\/www.usaa.com\">USAA discounts<\/a>, <a href=\"https:\/\/www.usaa.com\">SafePilot<\/a>, <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a>.<\/li><li>Financial Stability: We cite USAA\u2019s <a href=\"https:\/\/www.usaa.com\">credit ratings<\/a> and <a href=\"https:\/\/web.ambest.com\/ratings-services\/ratings\/definitions\">AM Best rating definitions<\/a> to describe claims\u2011paying ability.<\/li><li>Customer Satisfaction: We used J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> to provide current context; USAA is typically not rank eligible due to membership limits.<\/li><li>Coverage: We looked for advertised coverages and optional add\u2011ons beyond liability, collision, and comprehensive, including roadside, rental, rideshare, glass, and Car Replacement Assistance.<\/li><li>Online Resources: We reviewed digital servicing features such as the <a href=\"https:\/\/www.usaa.com\/inet\/wc\/usaa_mobile_main\">USAA Mobile App<\/a> and the <a href=\"https:\/\/www.usaa.com\">USAA community<\/a>.<\/li><\/ul>\n\n\n\n<p>For pricing benchmarks, we referenced 2025 state-by-state USAA rate tables from <a href=\"https:\/\/www.usatoday.com\/money\/blueprint\/insurance\/car-insurance\/usaa-car-insurance-review\/\">USA TODAY Blueprint<\/a> and <a href=\"https:\/\/www.marketwatch.com\/guides\/insurance\/car-insurance\/usaa-insurance\/\">MarketWatch Guides<\/a> (Quadrant Information Services). These use standardized driver profiles and define \u201cfull coverage\u201d as liability plus collision and comprehensive; monthly values were annualized by multiplying by 12.<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, the primary dataset uses each state\u2019s minimum requirements. Base profiles typically assume a single vehicle driven about 12,000 miles annually by a driver with a clean record. Quotes vary significantly by location, vehicle, driving history and selected coverages.<\/p>\n\n\n\n<p>These are sample benchmarks for comparison only. Always obtain personalized quotes to confirm your price and discount eligibility.<\/p>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report USAA continues to earn among the highest customer satisfaction results in J.D. Power\u2019s most recent insurance studies, but it is typically not rank eligible because it serves a restricted membership (military community); see the 2024 U.S. Auto Insurance Study. USAA\u2019s core property\/casualty insurance companies hold an A++ (Superior) Financial Strength Rating from AM [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361646,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>USAA Auto Insurance Review 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"If you qualify for USAA auto insurance, we highly recommend it thanks to its customer service, good financial strength, and great online resources.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\" \/>\n<meta property=\"og:locale\" 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