Last Updated: 04/18/2025
USAA Auto Insurance
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score +29
Mostly recommended24 total votes
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Community Rating
Mostly recommended
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A+(Verified 04/18/2025)
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USAA Auto Insurance Review
USAA Federal Savings Bank is a car insurance carrier based in Phoenix, AZ. The insurance company was founded in 1922 and offers car insurance in 50 states (and Washington, DC).
If you're considering whether USAA auto insurance is a good option for you, read on.
USAA auto insurance Pros & Cons
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USAA auto insurance FAQ
What types of car insurance coverage options does USAA auto insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does USAA auto insurance have roadside assistance?
No, USAA Federal Savings Bank does not have roadside assistace.Does USAA auto insurance offer ridesharing insurance?
No, USAA auto insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does USAA auto insurance offer?
USAA auto insurance offers the following benefits to its customers:
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Free Policy Cancellation: No cancellation fees for ending your policy early.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does USAA auto insurance offer?
When you ask for an insurance quote with USAA auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible and to drivers and pedestrians, which reduces accidents.
- Internal Safety Features: USAA auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
- Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
- New Vehicle: If you buy a current year or previous year model, you will qualify for an insurance discount on your premium.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with USAA auto insurance.
How does USAA Federal Savings Bank calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and USAA Federal Savings Bank is no exception. However, you can be confident that USAA auto insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does USAA auto insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a USAA auto insurance insurance quote
- Visit the USAA Federal Savings Bank website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from USAA auto insurance
Message from our editor
What We Love About USAA Auto Insurance
One of the top things about USAA and their auto insurance is their experience in the field. The company has been around for nearly 100 years, and it serves customers in all states. It’s free to become a USAA member, and it comes with perks like free checking and savings accounts, free rewards debit cards, free checks, and free overdraft protection.
USAA auto insurance has various discounts, an accident forgiveness feature, and competitive terms and rates. Discounts are available for safe drivers, families, good students, and others. The company is also known for its great customer service and willingness to go the extra mile for customers.
What Could USAA Do Better?
Unfortunately, not everyone will qualify for auto insurance through USAA. It’s exclusive to members of the military and their family members. Other individuals will need to choose a different company. USAA also has some complaints regarding slow processing times and a tedious claims process. Finally, the roadside assistance program through USAA has many limitations that won’t apply to other auto insurance providers.
USAA Backstory
USAA has been offering banking and financial services to U.S. military personnel since 1922, when the company sold its very first auto policy. Becoming eligible for insurance from USAA requires being in or being related to someone in the United States military. The company is always working to innovate its product and service offerings, and many items that come at a premium price with other providers are free when using USAA.
The Verdict
Anyone who is a part of the military or married to someone who is will often find that USAA offers one of the best choices of auto insurance. It offers a variety of features, products, and discounts. However, some customers have had issues with limited roadside assistance and a slow claims process, which makes it important to shop around and consider all your options.
Many companies offer auto insurance, so shopping around and getting quotes is a good idea. Click here to look at ratings and reviews for many of the insurance providers available.