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USAA Car Insurance Review 2025

Nadav Shemer

Jan. 27, 2025

3 min read

USAA Auto Insurance Summary

USAA, founded in 1922, offers auto insurance specifically for U.S. military members, veterans, and their families. Known for its competitive rates and excellent customer service, USAA provides flexible coverage options tailored to the unique needs of military families, including deployments and relocations. The company is also consistently ranked high in customer satisfaction within the auto insurance industry.

Pros

Tailored coverage for military families and veterans
Competitive rates for safe drivers and multi-policyholders
High customer satisfaction in claims handling and support

Cons

Limited eligibility to military members and their families
No local offices outside of military bases

USAA Auto Insurance at a glance

9.2

Editorial score

Insurance Features

Comprehensive range providing protection for various situations: liability, collision, comprehensive, uninsured/underinsured motorist, PIP, and military-specific coverage.

9.0

Discounts Available

Rates and deductibles can be adjusted; policies can be bought online or with an agent.

9.0

Customer Service

24/7 phone support, online chat, mobile app access, claims tracking, and dedicated military support.

9.0

Online Experience

User-friendly website with learning resources, rate display, and mobile app for policy management.

9.0

Direct Insurer?

Yes, USAA directly offers auto insurance to members.

10.0

Types of Auto Insurance Offered by USAA

USAA provides the standard range of car insurance coverages with some unique add-ons tailored to military needs:

Bodily injury liability: Legally required in most states, this coverage pays for injuries to others if the policyholder is at fault in an accident.
Property damage liability: Covers damages to other people's property caused by the policyholder in an accident.
Collision coverage: Pays for damages to the policyholder’s car if it is involved in an accident, regardless of fault.
Comprehensive coverage: Covers non-collision-related incidents such as theft, vandalism, or natural disasters.
Uninsured/Underinsured motorist coverage: Protects the policyholder if they are involved in an accident with a driver who lacks sufficient insurance.
Personal injury protection (PIP): Covers medical expenses and lost wages for the policyholder and their passengers, regardless of fault.
Military-Specific coverage: USAA offers features like flexible payments during deployments and discounts for garaging vehicles on base.

Additional Features

USAA provides several add-ons that enhance its standard coverage:

Rental reimbursement: Covers the cost of renting a car while the policyholder's car is being repaired after a covered loss.
Roadside assistance: 24/7 assistance for breakdowns, flat tires, and towing.
Accident forgiveness: One accident can be forgiven without affecting the policyholder’s premium.
Discounts for safe driving: USAA offers several discounts, including savings for drivers who maintain a safe driving record and multi-policy discounts.

How to Apply

The application process for USAA car insurance is straightforward, primarily online or through their mobile app. Here’s how it works:

Eligibility check: You must verify your military affiliation (active, retired, veteran, or eligible family member).
Get a quote: USAA’s website provides an easy-to-use quoting tool. You input your vehicle details, driving history, and location.
Select coverage: Choose from the various coverage options and adjust deductibles and limits as needed.
Purchase the policy: After reviewing your options and quote, purchase the policy directly online or through an agent.

Filing a Claim

USAA makes filing a claim simple through its mobile app, website, or phone. Here's a breakdown of the process:

Report the incident: Log into your USAA account or use the mobile app to report the accident or damage. You’ll need your policy number, incident details, and any police reports or supporting documents.
Claim review: USAA reviews the claim, assigning a claims adjuster to assess the damage.
Settlement: If approved, USAA will pay the claim directly to the policyholder or repair shop, depending on the situation.

Contact Details

Phone: 1-800-531-USAA (8722)
Mobile app: Available on iOS and Android for managing policies, filing claims, and accessing customer support.
Address: USAA Corporate Office, 9800 Fredericksburg Road, San Antonio, TX 78288
Website: USAA.com

FAQs

Who is eligible for USAA car insurance?
USAA offers insurance to active military members, veterans, and their eligible family members.
Does USAA offer any military-specific discounts?
Yes, USAA provides discounts for garaging vehicles on base, flexible payments during deployments, and savings for storing vehicles during long-term deployments.
Can I manage my USAA policy online?
Yes, USAA offers a comprehensive online experience, including policy management, rate changes, and claims filing.
Does USAA provide coverage in all states?
Yes, USAA operates in all 50 states, although its services are restricted to military families.

Summary

USAA car insurance stands out for its commitment to military families. It offers competitive rates and tailored coverage that fits the unique needs of military life. With its highly-rated customer service and user-friendly online tools, USAA is an excellent choice for eligible members. The wide range of available coverage options and additional benefits, such as accident forgiveness and deployment-specific discounts, make it a top contender for military personnel and their families seeking reliable auto insurance.

Methodology

This review was created using information from USAA’s official website, third-party reviews, and customer service calls to ensure accuracy in coverage details and user experience. It was also written using AI.

Having explored the features and benefits of this product, you might be curious about how it stacks up against its competitors. We encourage you to visit our comprehensive comparison chart for a broader perspective. This chart offers a detailed juxtaposition of this product with other leading brands, highlighting differences in features, pricing, and customer ratings. It’s an invaluable resource for contrasting your options and making an informed decision that best suits your needs. Don’t miss out – take a moment now to view our comparison chart and see how your chosen product compares in the wider market.

AI was used to generate this content, along with human verification.

Written by

Nadav Shemer

Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. He enjoys writing about the latest innovations in financial services and products. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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