USAA has been serving military members and their families since 1922. It began when 25 Army officers decided to insure each other’s vehicles. Today, USAA serves millions of members with its diversified group of financial services companies. You can join USAA only if you are a current or former military member or the spouse of a military member. Children of military members may join USAA as well. USAA sells insurance for a wide variety of vehicles: cars, motorcycles, recreational vehicles, boats and classic cars. For members with their pilot’s license, USAA offers aviation insurance.
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Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
  • Offers consistently good prices.
  • USAA has the cheapest average car insurance rates for good drivers when compared to top competitors.
  • USAA charges nearly $200 less on average to drivers with a speeding ticket compared to the nearest competitor.
  • USAA has the second cheapest average rates for drivers with a DUI when compared to competitors.
  • Higher level of complaints than top competitors but still below the industry average.
  • USAA has strict eligibility requirements so it may not be available to you. USAA sells insurance to active, retired, and separated veterans with a discharge type of “Honorable” from the U.S. military and their eligible family members.
Grade from Collision Repair Professionals:
Accident Forgiveness:
New Car Replacement:
Gap Insurance:
Diminishing Deductible:
Usage-Based Insurance:
Pay-Per-Mile Insurance:
  • Bundling discount. You can save up to 10% when you bundle USAA auto and home policies.
  • Safe driver discount. Have a good driving record for more than five years and you’ll earn a discount from USAA.
  • Defensive driving discount. Make sure to get this discount if you take an approved defensive driving course.
  • Driver training discount. This is for finising a basic driver’s training class.
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