USAA Auto Insurance
in Car Insurance from USAA
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USAA Auto Insurance

in Car Insurance from USAA
SuperMoney Net Recommendation Score +47  


This product is mostly recommended by SuperMoney users with a score of +47, equating to 3.9 on a 5 point rating scale.


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

22 users recommend
3 users are unsure
7 users don't recommend
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Community Rating Mostly recommended
Financial Strength Rating A+
Number of Reviews 32

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 51 states in the USA.

If you're considering whether USAA auto insurance is a good option for you, read on.

USAA auto insurance Pros & Cons
Pros Cons
  • Generous with policy discounts
  • Offers multiple vehicle equipment discounts
  • No 24/7 phone availability
  • No free policy cancellation
  • No locally available agents
  • Does not offer digital claims reporting
  • No accident forgiveness
  • Does not offer emergency roadside assistance
  • No rental car coverage
  • No ridesharing coverage
  • No transport trailer coverage
  • 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:

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

Does USAA auto insurance have roadside assistance?

No, USAA 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:

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.

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:

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.

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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

From an auto claim to roadside assistance, we're with you before, during and after you file a claim. Get a flexible payment plan to fit your pay schedule at no additional cost. Plus, you may qualify to pay nothing to start your policy. Manage your policy, get car insurance quotes, request auto ID cards and more — online or from a mobile device. Get comprehensive and collision coverage, which will help pay for damages when your car's involved in an incident. Get liability coverage, which is required by most states, to protect you financially if you're at fault in an accident. Get coverage like personal injury protection or uninsured and underinsured protection to fit your driving needs.

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.


Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:30am - 5:00pm

Other Services by USAA


  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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
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


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This product is mostly recommended by SuperMoney users with a score of +47, equating to 3.9 on a 5 point rating scale.


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.

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