SuperMoney

USAA Auto Insurance

in Auto Insurance from USAA

Claimed Visit Site

USAA Auto Insurance

Claimed

in Auto Insurance from USAA

SuperMoney Net Recommendation Score +43

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +43, equating to 3.9 on a 5 point rating scale.

+43

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

20 users recommend
3 users are unsure
7 users don't recommend
Cast your vote

Would you recommend USAA Auto Insurance to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating Mostly recommended
Financial Strength Rating A+
Number of Reviews 30

USAA Auto Insurance Review

USAA is a car insurance carrier based in San Antonio, TX. 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
Pros Cons
  • Free policy cancellation
  • Locally available agents
  • Digital claims reporting
  • Free Policy Cancellation
  • Accident forgiveness
  • Emergency roadside assistance
  • Rental car coverage
  • Ridesharing coverage
  • Generous with policy discounts
  • Offers multiple vehicle equipment discounts
  • Non-residents also eligible
  • No 24/7 phone availability
  • No travel expenses or trip interruption coverage
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. USAA Auto Insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

USAA Auto Insurance customers can also add the following riders or endorsements to their insurance policies:

  • Accident Forgiveness: USAA offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
  • Transportation Network Company or ride-sharing coverage: Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
  • Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.
  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
  • Transport Trailer Coverage: This covers non-motorized trailers towed by a vehicle. If they are damaged or cause damages in an accident this policy will cover the costs.
  • Mechanical Breakdown Coverage: If your vehicle is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.

Does USAA Auto Insurance have roadside assistance?

Emergency Roadside Service available. Yes, USAA offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does USAA Auto Insurance offer ridesharing insurance?

Ridesharing coverage available. : Yes, USAA Auto Insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.

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.

Ways to pay my USAA Auto Insurance

USAA allows policyholders to pay their premiums using the following methods:
  • Automatic Payments
  • Credit/Debit Card

How does USAA calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and USAA 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.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. 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 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Policy Discounts
  • Defensive Driver / Safety Course
  • Family Plans
  • Good Student
  • Loyalty / Long-Term Customer
  • Military
  • Multiple Policy
  • Multiple Vehicles
  • Affinity Relationship
  • Student Away at School
  • Young Driver Training
  • Claims Free
Vehicle and Equipment Discounts
  • Anti-Lock Brake System
  • Anti-Theft Devices
  • Daytime Running Lights
  • Internal Safety Features (Air Bags / Seat Belts)
  • Low Annual Mileage
  • New Vehicle
  • Telematics Device (UBI)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Underinsured Motorist
  • Uninsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A+
Carrier Features
  • Locally Available Agents
  • Free Policy Cancellation
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network
  • Caters to High-Risk Drivers
Payment Options
  • Automatic Payments
  • Credit/Debit Card

USAA Auto Insurance Community Reviews

 

Would you recommend USAA Auto Insurance to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +43, equating to 3.9 on a 5 point rating scale.

+43

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Auto Insurance