USAA Auto

The Car Insurance Guide

Overall Personalized Rating: 4.9/5 (Excellent)

Summary

USAA Auto is a military-focused car insurance carrier that provides affordable prices and exceptional customer service. Military members that take advantage of this option enjoy high-quality coverage at affordable rates.

Key Benefits

Offers affordable insurance tailored to meet the needs of members of the U.S. military and their families
Some of the best pricing on the market
Top-rated customer service

Ratings Summary

Ratings Highlights

Overall Rating

For qualifying military members and their families, USAA is a great choice when it comes to car insurance. With some of the most affordable pricing on the market, a variety of discounts available, and coverage that is there for you in the case of an accident, it's worth it to check out what they have to offer.

Pricing

USAA ranks as one the most inexpensive options when it comes to car insurance, and their wide array of discounts makes it even easier to save for those who qualify.

Handling Claims

USAA has a reputation among both their customer base and experienced insurance agents for handling claims quickly and professionally.

Uninsured Drivers

As uninsured and underinsured drivers are seen as higher risk consumers within the auto insurance industry in general, they will likely see higher prices than other drivers with most carriers, including USAA.

Young Drivers

Given their focus on serving members of the military, who tend to be younger, USAA is a great option for drivers under 26. They offer great coverage at low rates for all age groups.

Bundling Auto with Other Insurance Types

By bundling auto and home insurance through USAA, drivers are eligible for a discount of up to 10 percent. This can mean significant savings over the course of your policy.

Drivers with Tickets/Accidents

Drivers with a bad record will pay more than safe drivers do through USAA, but the company does offer certain forgiveness policies that can help keep rates manageable. Getting a quote is the best way to see where you stand.

Premium Driver

USAA tends to favor safe drivers, even offering discounts to those that maintain a clean record for several years in a row.

Company Background

USAA has been providing quality insurance coverage and banking options to military members and their families since 1922. Based in San Antonio, Texas, the company aims to support the livelihoods of their customers through their exceptional financial services.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.