USAA Auto Insurance Review: Quotes and Service (2024)

Global and third-party rating agencies put USAA ahead of the competition. From its financial health to its consumer satisfaction, USAA insurance is one of the best insurance companies in the industry. According to the Satmetrix Net Promoter Benchmark Study, USAA is ranked as a leader in the auto insurance industry from 2010 to 2018. The Net Promoter Score is issued by NICE Satmetrix, a trusted industry-standard rating agency in gauging the loyalty of a company’s customer experience. A high score suggests that a certain organization provides superior service compared to its competitors and is used to predict revenue growth.

MoneyGeek gathered auto insurance quotes from all 50 states and Washington, D.C., which includes the 47 states where USAA sells auto insurance and averaged them for sample drivers. In every state that USAA is available for car insurance, MoneyGeek’s data determined it is inexpensive, costing an average of $883 per year.

During our research, we examined numerous driver profiles and determined that USAA is inexpensive for all — drivers who purchase full coverage insurance, the state minimum mandated coverage, young drivers or those with a speeding ticket.

You should do some comparison shopping if you want to find the cheapest auto insurance coverage. And always consider that price isn't the only thing to evaluate; financial strength, complaint ratios and other factors are also important.

USAA is cheap for young or inexperienced drivers, drivers with a speeding ticket and those choosing minimum or full coverage.

Insurance company's, including USAA, are not transparent about how they calculate car insurance costs. But USAA has cheap and competitive auto insurance rates for all driver types and strong ratings for customer satisfaction and claims management. Young drivers are especially likely to save with USAA for auto insurance since many other insurers charge them high rates because of inexperience.

Remember, though, that you must have a military background to be eligible for USAA.

USAA offers standard liability coverage, comprehensive and collision insurance like other auto insurers. The company also provides some of the most common add-on auto insurance coverages: roadside assistance, rental car and/or travel reimbursement and accident forgiveness. Rideshare insurance coverage is also available through USAA. But, a USAA policy cannot include other common add-on coverages like new car replacement, better car replacement, gap insurance and deductible modification.

Additionally, USAA does not provide any unique insurance coverages.

USAA isn’t too innovative in providing ways to customize your policy. But its customer support platform is dense with helpful informational resources, clearly not an afterthought like some insurers’ features are. Special discounts for active military personnel make up for the lack of creativity in policy design.

In addition to auto insurance, USAA offers a broad portfolio of casualty insurance products. Bundling your auto insurance with either your home or renter’s insurance policy can save you up to 10% on your premium. Below are other types of insurance USAA sells. Each description below is subject to various terms, conditions and restrictions.

AM Best verifies insurance companies' financials to certify that they have enough capital to stay in business. That certification check is known as the AM Best Financial Strength Rating.

Rankings are not a warranty for policyholders. They’re meant to signify fiduciary strength. USAA received an A++ as their AM Best Financial Strength Rating.