USAA Auto Insurance Review (Easy Guide to the Best Coverage)

USAA OVERVIEWDETAILS
Year Founded1922
Current ExecutivesCEO: Stuart Parker
Number of Employees32.7 thousand
Total Assets$30.6 billion
HQ AddressUSAA
9800 Fredericksburg Rd.
San Antonio, TX 78288
Phone Number800-531-8722
Company Websitehttps://www.usaa.com/
Auto Insurance Premiums Written 2017$13,154,939
Best ForMilitary personnel/veterans and their families

If you are military personnel, then you’ve probably heard of USAA at some point in your career. Because USAA’s founders created the company specifically for military personnel, USAA may seem like a logical choice.

However, we want to make sure that USAA lives up to its hype as a great insurance provider with discounted rates.

Your choice of an insurance provider is important, as you’ll have to depend on it in case of an accident. To make sure nothing about USAA is a surprise to you if you chose to purchase a policy, we are going to go through everything you need to know about USAA.

Since not fully researching a provider can cost you hidden fees and poor coverage, we are going to go through everything from USAA’s ratings to USAA’s mobile services.

So keep reading to discover if USAA is the right provider for your needs. Want to start comparison shopping today? Enter your zip code above to start comparing rates.

Table of Contents

USAA’s Rating Agency

Since picking an insurance provider is an important decision that protects both your car and your wallet, it can help to look at providers’ ratings.

To see what consumers and businesses think of USAA, we are going to take a look at multiple ratings for USAA, from financial stability ratings to customer satisfaction ratings.

Let’s jump right in.

– A.M. Best

The first rating we want to take a look at is A.M. Best. What is A.M. Best? Basically, an A.M. Best rating looks at an insurer’s creditworthiness and financial strength.

A.M. Best’s ratings are on a letter grade scale, so a higher grade means a company is great at fulfilling its financial responsibilities.

USAA has an A++ rating from A.M. Best, which is the highest rating possible.

A.M. Best only assigns A++ ratings to companies that it believes “have an exceptional ability to meet their ongoing senior financial obligations.”

So A.M. Best believes USAA is financially steady enough to meet financial obligations to customers and investors, which is great news.

– Better Business Bureau

Better Business Bureau bases its ratings partly on complaint data (in addition to other factors like business practices), so a company with a low rating doesn’t provide the best service.

Better Business Bureau gave USAA a B-, which isn’t the best rating USAA could have earned.

USAA’s lower rating from the Better Business Bureau could be because the U.S. government took action against USAA in 2019 for the following infractions.

  • Bureau of Consumer Financial Protection versus USAA for violating the Electronic Fund Transfer Act, Regulation E., and the Consumer Financial Protection Act of 2010.  Essentially, USAA failed to properly stop payment requests and opened deposit accounts without proper notification.
  • Office of the Comptroller of the Currency versus USAA for USAA’s failure to use a proper risk-management system.

USAA has reached a settlement with the Bureau of Consumer Financial Protection and paid out restitution to customers as well as a penalty for violating acts.

As for the Office of the Comptroller of the Currency, there is now a compliance committee appointed to USAA to correct the risk-management plan.

The good news is that USAA has worked to correct its issues and paid customers in restitution, so hopefully it will improve it’s Better Business Bureau rating in the future.

– Moody’s Rating

While USAA didn’t receive a great rating from the Better Business Bureau, Moody’s gave USAA a high rating.

Moody’s rated USAA as Aa1, which means that USAA has a low credit risk and a strong ability to pay back its debts.

So based on Moody’s and A.M. Best’s ratings, USAA is financially strong and isn’t in danger of going under anytime soon.

– S&P Rating

S&P also look at companies’ financial strength and rates the companies accordingly.

USAA has an AA rating from S&P, meaning USAA has a strong ability to meet its obligatory financial commitments.

USAA earned the second-highest rating possible from S&P, showing yet again that USAA is financially strong.

– JD Power

We’ve covered quite a few financial ratings, and now we want to dive into customer ratings with JD Power.

JD Power based the following ratings on thousands of customer surveys, so let’s take a look at what USAA earned.

JD power central region

While we’ve only included the graphic for the central region, USAA has earned five stars in all areas of the U.S.

USAA is not included in the top of the list with the other providers, though, as USAA is only for military personnel and their families. However, USAA’s “better than the rest” rating shows that it’s a top contender.

– Consumer Reports

Consumer Reports is another rating agency that looks at customer satisfaction levels. USAA earned 95 out of 100 from Consumer Reports, which is a fantastic rating.

USAA’s score of 95 is based on the following factors.

USAA Customer ServiceConsumer Report Score
Ease of Reaching an AgentExcellent
Simplicity of the ProcessExcellent
Promptness of the ResponseExcellent
Damage AmountExcellent
Agent CourtesyExcellent
Timely PaymentExcellent
Freedom to Select Repair ShopExcellent
Being Kept Informed of Claim StatusExcellent

USAA earned an excellent in every category, which shows how USAA earned its score of 95 out of a 100.

– Consumer Affairs

The last rating dealing with customer satisfaction that we want to look at is from Consumer Affairs.

The bad news is that USAA Auto Insurance only recieved 1.5 stars out of five from Consumer Affairs.

However, this poor rating is only based on 260 reviews. This is only a small percentage of USAA consumers.

Since disgruntled consumers are more likely to post on rating sites like Consumer Affairs, don’t take this rating as a warning to stop looking into USAA.

Since USAA received decent ratings from other customer satisfaction surveys and review sites, Consumer Affairs’ poor rating could be due to the lower number of reviews.

USAA Company History

USAA was founded in the 1920s when a small group of army officers insured each other’s vehicles. The company grew enough to outlast the Great Depression and WWII and begin providing auto insurance to multiple branches of the military.

USAA also grew enough to branch into services other than auto insurance, such as in 1970, when USAA opened its first USAA Federal Savings Bank.

USAA now provides auto, home, business, life, and health insurance in addition to auto insurance, making it a possible one-stop for all of its customers’ insurance and banking needs.

You may be wondering why we care about USAA’s history and growth.

The bottom line is that the history of a company tells us if a company is set up to succeed in the future.

To give you an idea of how USAA is set up for the future, we are going to go through everything from USAA’s market shares to employee experiences.

Let’s begin.

– USAA Market Share

A company’s market share is important, as it tells us if a company is growing. Let’s take a look at the National Association of Insurance Commissioner’s (NAIC) data on USAA’s market share.

USAA Market Shares 4-Year Trend2015201620172018
Market Share5.175.455.685.87

USAA’s market share has slowly increased over the years, which is good news. It means USAA is staying competitive as a major insurer in the market.

– USAA’s Position for the Future

USAA is positioned solidly for the future. While not all of USAA’s customer ratings were fantastic, the company has great financial ratings.

Financial standing is important, as the last thing you want to do is sign up with an insurer who shortly afterward goes bankrupt or charges customers more to make up losses.

But since USAA has good creditworthiness and strong financial ratings, this isn’t something you’ll have to worry about.

As well, while USAA’s customer ratings weren’t all perfect, the glowing ratings helped balance out the negative ones.

So rest assured that USAA is positioned well for the future.

– USAA’s Online Presence

How a company chooses to reach its consumers is important. In today’s world, you want an insurer who is easily accessible through multiple communication channels.

Let’s take a look at how USAA communicates its online presence.

  • Online — USAA has an easily accessible website that allows customers to find information, get quotes, and sign in to see their policy information.
  • Agents — USAA also provides agents who you can meet in-person (though agents are not available in every area).
  • App — USAA also has an app that allows customers to check policy information, pay bills, and much more.

USAA has a strong online and physical presence, as you can get quotes online or in-person from an agent.

– USAA’s Commercials

It may seem strange that we have a section dedicated solely to USAA’s commercials. But a company’s marketing campaigns are important.

If you’ve ever been convinced to buy something after a commercial, then you understand the power of advertising.

Let’s take a look at one of USAA’s commercials to see what message USAA is trying to send.

USAA has a strong focus on service in its commercials.

The main message that USAA seems to send with its advertisements is that USAA is here to serve military members since they have served our country.

USAA also markets itself by posting videos that range from honoring military members on Memorial Day to service members receiving meaningful tattoos.

– USAA in the Community

It’s one thing to say you care about your community, and it’s another thing to actually serve your community.

Let’s take a look at USAA serves the communities around it through donating and volunteering.

  • Poverty — USAA focuses on helping families and individuals that struggle with poverty, homelessness, or hunger.
  • Education — USAA supports teaching programs that help students learn critical skills.
  • Safety and Natural Disaster Response — USAA also supports programs that teach people skills to prepare for and recover from natural disasters.

USAA also has links on its community page where nonprofit organizations can request volunteers or grants.

Based on USAA’s charity page, USAA is involved in helping the communities around it grow and thrive.

– USAA’s Employees

How happy employees are with their jobs says a lot about a company. A good company environment also means more contented customers — no-one wants to deal with employees who clearly hate their job.

With this in mind, let’s take a look at A Great Place to Work’s data on USAA employees.

Below you can see general data on USAA employees’ age, tenure, and more.

AgePercentage
Millennials (born between 1981 and 1997)42%
Gen X (born between 1965 and 1980)42%
Baby Boomers (born between 1945 and 1964)15%

USAA has an equal amount of Millennial and Generation X employees working for the company.

Let’s see how long these employees stay at USAA.

TenurePercentage
<2 years19%
2-5 years33%
6-10 years18%
11-15 years13%
16-20 years8%
20+ years11%

The majority of USAA employees (33 percent) stay for two to five years, but 11 percent of USAA employees have been at the company for over 20 years, which is a good sign.

Since 89 percent of USAA’s employees say they are satisfied with working at USAA, let’s take a look at how USAA employees rate their experience working at USAA.

Employee ExperiencePercentage in Agreement
I feel good about the ways we contribute to the community.96%
When you join the company, you are made to feel welcome.96%
We have special and unique benefits here.92%
I'm proud to tell others I work here.92%
Our facilities contribute to a good working environment.91%

Since employees seem to enjoy working for USAA, let’s take a look at what awards USAA has won for its workplace environment in the past three years.

USAA 2017 AwardsUSAA 2018 AwardsUSAA 2019 Awards
#50 in Best Workplaces for Millennials 2017#19 in Fortune 100 Best Companies to Work For#17 in Best Workplaces in Financial Services & Insurance
#1 in Best Workplaces in Financial Services & Insurance 2017#15 in Best Workplaces in Texas#47 in Best Workplaces in Texas
#20 in Best Workplaces for Women 2017#9 in Best Workplaces in Financial Services & Insurance#30 in 2019 Fortune 100 Best Companies to Work For
#11 in Best Workplaces for Diversity 2017#40 in Best Workplaces for Millennials#8 in PEOPLE 2019 Companies that Care
#15 in Best Workplaces for Working Parents 2017#35 in Best Workplaces for Women#75 in Best Workplaces for Millennials 2019
#35 in Fortune 100 Best Companies to Work For® 2017#50 in Best Workplaces for Parents-
#3 in Best Workplaces in Texas 2017#27 in Best Workplaces for Diversity-
#34 in PEOPLE 2017 Companies that Care®--

USAA has an impressive list of awards to its name. The company has also won the following awards from Glassdoor.

  • 2017 Best Places to Interview (#72)
  • 2014 Top CEOs (#22)
  • 2009 Best Places to Work (#36)

One of the final things we want to look at is Payscale’s assessment of USAA’s workplace.

USAA has an overall 3.9 out of five stars for employee satisfaction from Payscale.

This 3.9 out of five-star rating is based on the following factors.

FactorRating (out of 5)
Appreciation3.9
Company Outlook4.3
Fair Pay2.8
Learning and Development4.0
Manager Communication3.9
Manager Relationship4.0
Pay Policy3.1
Pay Transparency2.6

USAA seems to struggle the most with pay transparency and fair pay, although it earned high ratings for manager relationship, learning and development, and company outlook.

Overall, USAA seems to have a great work environment, based on multiple employee review sites and awards.

Cheap Car Insurance Rates

Budgeting for car insurance is a necessary expense, but it can cut back on your funds for other needs.

If you’d rather put money towards other household necessities or a beach vacation, checking companies’ rates will help you save money on car insurance.

We should note, though, that just because a company has low rates doesn’t necessarily mean its the best insurer for you.

Sometimes, companies with cheap rates will have equally cheap coverage. Luckily, this doesn’t always apply to car insurance companies.

To see if USAA is worth the cost, we will first look at USAA’s rates before jumping into what coverages and services you’ll get for your money.

So stick with us, because we’ve partnered with Quadrant to bring you extensive data about USAA’s rates.

– USAA Availability and Rates by State

Since the last thing you want is to have to switch providers when you move, let’s take a look at USAA’s availability.

USAA is available in all U.S. states, which means that no matter where the military takes you, USAA will have you covered.

However, even though you can keep USAA as a provider no matter where you move to, the bad news is that your rates will change by state.

While this could mean a decrease in your rates, it could also mean an increase. So let’s see how much USAA’s rates vary based on state averages.

StateUSAA Annual PremiumCompared to State Average (+/-)Compared to State Average (%)
Alaska$2,454.21-$967.31-28.27%
Alabama$2,124.09-$1,442.87-40.45%
Arkansas$2,171.06-$1,953.92-47.37%
Arizona$3,084.29-$686.68-18.21%
California$2,693.87-$995.06-26.97%
Colorado$3,338.87-$537.52-13.87%
Connecticut$3,190.00-$1,428.92-30.94%
District of Columbia$2,580.44-$1,858.80-41.87%
Delaware$2,325.98-$3,660.34-61.15%
Florida$2,850.41-$1,830.05-39.10%
Georgia$3,157.46-$1,809.37-36.43%
Hawaii$1,189.35-$1,366.29-53.46%
Iowa$1,852.57-$1,128.71-37.86%
Idaho$1,877.61-$1,101.48-36.97%
Illinois$2,770.21-$535.28-16.19%
Indiana$1,630.86-$1,784.11-52.24%
Kansas$2,382.61-$897.02-27.35%
Kentucky$2,897.89-$2,297.51-44.22%
Louisiana$4,353.12-$1,358.23-23.78%
Maine$1,930.79-$1,022.49-34.62%
Maryland$2,744.14-$1,838.56-40.12%
Massachusetts$1,458.99-$1,219.86-45.54%
Michigan$3,620.00-$6,878.64-65.52%
Minnesota$2,861.60-$1,541.65-35.01%
Missouri$2,525.78-$803.15-24.13%
Mississippi$2,056.13-$1,608.44-43.89%
Montana$2,031.89-$1,188.96-36.91%
North CarolinaData Not Available--
North Dakota$2,006.80-$2,159.04-51.83%
Nebraska$2,330.78-$952.90-29.02%
New Hampshire$1,906.96-$1,244.81-39.50%
New JerseyData Not Available--
New Mexico$2,296.77-$1,166.87-33.69%
Nevada$3,069.07-$1,792.64-36.87%
New York$3,761.69-$528.20-12.31%
Ohio$1,478.46-$1,231.25-45.44%
Oklahoma$3,174.15-$968.17-23.37%
Oregon$2,587.15-$880.62-25.39%
Pennsylvania$1,793.37-$2,241.13-55.55%
Rhode Island$4,323.98-$679.38-13.58%
South Carolina$3,424.77-$356.37-9.42%
South DakotaData Not Available--
Tennessee$2,739.28-$921.61-25.17%
Texas$2,487.89-$1,555.39-38.47%
Utah$2,491.10-$1,120.79-31.03%
Virginia$1,858.38-$499.49-21.18%
Vermont$1,903.55-$1,330.58-41.14%
Washington$2,262.16-$797.16-26.06%
West Virginia$1,984.62-$610.74-23.53%
Wisconsin$2,975.74-$630.33-17.48%
Wyoming$2,779.53-$420.55-13.14%
Median$2,489.49-$1,171.40-32.00%

USAA is cheaper than the state average in every state. In some states, USAA is over 60 percent cheaper, which means you could save a significant amount by choosing USAA.

– Comparing the Top 10 Companies by Rates

While what you pay for car insurance varies depending on multiple different factors, below you can see the basic average of USAA’s rates by state compared to the other top providers.

StateAverage by StateAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alaska$3,421.51$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Hawaii$2,555.64$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maine$2,953.28$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
Median$3,660.89$4,532.96$3,698.77$3,907.99$3,073.66$5,295.55$3,187.20$3,935.36$2,731.48$3,729.32$2,489.49

The only company that seems to consistently match USAA in rates is GEICO. For the most part, USAA has the cheapest rates out of all of the top companies.

– Average USAA Male vs Female Car Insurance Rates

A car insurance fact that often surprises people is that their gender is used to determine rates.

Why?

Well, insurers collect accident data to determine demographic rates. If you are a young driver, for example, you’ll have high rates because younger drivers are proven to get in more accidents because of inexperience.

Many insurers also apply accident data about genders, as males seem to get in more car accidents than females, and insurers charge accordingly.

This doesn’t mean that all insurers will use your gender to form rates.

California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and parts of Michigan have all banned insurers from determining rates based on gender.

While insurers can’t use your gender to determine rates in the above states, we want to take a look at how much USAA’s rates do change in states where basing rates on gender is allowed.

DemographicSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old male
USAA Average of Annual Premium$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32$1,449.85$1,448.98

At USAA, males pay more than females until age 35. After age 35, females start to pay slightly more than males.

You can also see how age has a huge impact on rates, as a 17-year-old male driver has the highest rates, paying about $4,000 more for car insurance than a 60-year-old driver.

– Average USAA Rates by Make and Model

Make and model may seem like an odd thing to influence your car insurance rates, but the simple fact is that some cars are safer than others.

If you’ve ever looked for a car for your teen driver, then you’ve probably spent hours researching which one is safest in a crash. Insurers are also aware of which cars are the safest.

For example, consider a sports car versus a model sedan. The sports car owner is much more likely to hit dangerous speeds on roads, making the car a more dangerous car to insure.

So let’s take a moment to look at USAA’s rates for popular makes and models of cars.

Make and ModelUSAA Average Annual Premium
2015 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$2,551.56
2015 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
$2,409.67
2015 Toyota RAV4
XLE
$2,454.58
2018 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$2,855.69
2018 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
$2,422.66
2018 Toyota RAV4
XLE
$2,529.63

A Ford F-150 SuperCab will cost you the most at USAA, though it is still under $3,000 to insure. The cheapest car to insure is a Honda Civic, costing $446 less to insure than a Ford F-150 SuperCab.

Less than a $500 difference between the most and least expensive cars to insure isn’t terrible.

Still, the safer your car and the better a driver you are, the less you’ll pay for car insurance.

– Average USAA Commute Rates

Commute distance is of concern to insurers because the longer you are on the road, the more you are at potential risk for a crash.

Let’s take a look at how much USAA increases its rates for its drivers’ commute distances.

Group10 Miles Commute. 6,000 Annual Mileage.25 Miles Commute. 12,000 Annual Mileage.
USAA$2,482.69$2,591.91

If you drive 6,000 miles or less a year, then you’ll pay $109 less than those with longer commutes.

$109 isn’t bad, but remember that this is just one more added cost onto your bill. You’ll also be paying for more wear and tear on your car if you have a long commute.

So make sure to calculate that extra $100 into your budget if you have a long commute.

– Average USAA Coverage Level Rates

In the case of car insurance coverages, you get what you pay for. If you have low coverage, you may find that in an accident what you pay out of pocket far surpasses what you would have paid for high coverage.

Some companies’ rate changes for coverages, though, are simply too expensive. That’s why we want to take a look at what USAA charges for different coverages.

Coverage TypeLowMediumHigh
USAA Average Annual Premium$2,404.11$2,539.87$2,667.92

USAA has some of the cheapest rate increases. The jump from low to medium coverage is only $135, while the jump from low to high coverage is only $263.

At other companies, upgrading to high coverage from low coverage can be around $1,000.

Bear in mind, though, that these amounts are for drivers with good records. If you have a poor driving record or other issues, the cost to upgrade could be more.

  • Average USAA Credit History Rates

A bad credit score can ruin more things than just causing high-interest rates and loan refusal. It can also increase your car insurance rates by a significant amount.

The average credit score in America is 675, which most bankers consider a good credit score.

Not all companies will gouge you for a bad credit score, although all companies will increase or decrease prices based on credit score.

Credit ScoreGoodFairPoor
USAA Average Annual Premium$1,821.20$2,219.83$3,690.73

Going from good to fair credit will cost customers an extra $398. This isn’t terrible, but the increase from good to poor credit is much higher — $1,869.

This is a higher increase than most insurers, but since USAA has cheaper rates, the cost for poor credit is still less than at most companies.

So if you have poor credit, USAA’s rates may still be a better option for you compared to other companies’ rates.

– Average USAA Driving Record Rates

Sometimes, the panic that arises from an accident is the surety that your car insurance rates will increase.

Below, you can see what USAA charges for first driving offenses.

Driving OffenseClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
USAA Average Annual Premium$1,933.68$2,193.25$2,516.24$3,506.03

At USAA, DUIs are the worst offense you can commit. If you had a clean record before, a DUI will cost you approximately $1,573.

This is similar to other companies’ rate increases, as DUIs are a serious driving offense.

A speeding ticket, on the other hand, will only cost you about $360 (although you also have to pay off that speeding ticket), while an accident increases costs by about $583.

Remember that our data only shows the average price increase for first offenses. Second and third offenses will cost you significantly more.

Coverages Offered

Since USAA has some of the cheapest rates in the U.S., we want to take an in-depth look at USAA’s coverages to make sure USAA’s low prices aren’t because it skimps on coverages.

In order to properly gauge what USAA offers, we are going to take a look at everything from available coverages to discounts.

So keep reading to see if USAA’s coverages will adequately meet your needs.

– Types of Coverages Offered

Before we get into the types of car insurance that USAA offers, we want to note that USAA offers more than just car insurance.

This means that you can bundle options like USAA home and auto insurance, which can save you money.

Below are the types of insurances and services that USAA offers.

  • Banking and investment services
  • Health insurance
  • Homeowners, renters, and condo insurance
  • Life insurance
  • Small business insurance
  • Valuable personal property insurance
  • Vehicle insurance (includes motorcycle, RV, and boat insurance)

USAA offers a wide range of insurance and service options, but what we really want to look in-depth at is USAA’s auto insurance coverages.

  • Bodily Injury Liability — This coverage helps cover the costs of the other driver’s medical bills if you caused the accident.
  • Classic Car — If you have a classic car, USAA’s classic car insurance will save you money because the coverage is based on mileage driven. You will have to make sure that your car is actually considered a classic car, though, as insurers have different qualifications.
  • Collision — If you are in an accident with another vehicle or an object (such as fence post), collision coverage will help you.
  • CommercialCommercial coverage insures vehicles used for business.
  • Comprehensive — If you run into a deer, have a tree fall on your car, or graffiti spraypainted on your windshield, then comprehensive coverage will step in. Comprehensive coverage covers drivers if their vehicle is stolen or damaged from something other than a collision with another vehicle.
  • Extended Benefits Coverage — This coverage will help provide death benefits, disability service benefits, and wage-earner benefits, but you’ll have to also carry medical payments coverage.
  • Personal Injury Protection — If you have medical bills after an accident, this coverage will help pay them.
  • Property Damage Liability — If you cause an accident, property damage liability will help cover the costs of the other driver’s property damage bills.
  • Ridesharing Gap Coverage — If you drive for a rideshare company, this coverage will cover you between driving on your personal insurance and driving on your ridesharing insurance.
  • Roadside AssistanceThis coverage will help in the following situations: locked out of the car, out of gas, dead battery, flat tire, or towing.
  • Umbrella — Umbrella insurance provides extra liability coverage, which is useful in the unfortunate case that the other driver sues you.
  • Uninsured and Underinsured Motorist Coverage — These coverages are useful for run-ins with drivers with little or no insurance and who can’t pay your accident bills. Uninsured coverage is also useful for hit-and-run accidents.

Even though USAA has lower prices, it still offers all the basic coverages and more. This makes it easy to make sure your car and you are completely covered for all potential risks.

– Getting the Best Rate with USAA

The best way to get a good rate and save on car insurance? Discounts. A company that has multiple discounts will make it easier to bring costs down.

USAA’s discounts can be grouped into the following categories.

  • Driver discountsRewards for safe driving, good grades, and more.
  • Vehicle discountsRewards for vehicle safety features.
  • Membership discountsRewards for loyalty and bundling.

So let’s break down these categories and see what discounts USAA has to offer customers.

USAA DiscountsPercentage Saved
Anti-lock Brakesx
Anti-Theftx
Claim Free12%
Daytime Running Lightsx
Defensive Driver3%
Distant Studentx
Driver's Ed3%
Driving Device/App5%
Early Signing12%
Family Legacy10%
Garaging/Storing90%
Good Student3%
Low Mileagex
Loyaltyx
Marriedx
Militaryx
Military Garaging15%
Multiple Policiesx
Multiple Vehiclesx
Newer Vehicle12%
Occasional Operatorx
Paperless/Auto Billing3%
Passive Restraintx
Safe Driver12%
Senior Driverx
Vehicle Recoveryx
VIN Etchingx
Young Driver$75
Total Discounts Provided28

USAA offers a total of 28 discounts, which is a decent amount. While other companies offer a total of 38 discounts, USAA already has such cheap rates that multiple discounts aren’t really needed to bring costs down.

Some of the discounts are also incredibly easy to get, such as signing up for paperless billing or auto-pay.

Make sure to note which discounts you could potentially qualify for. If you chose USAA, make sure USAA gives you the proper discounts.

– USAA’s Programs

USAA also has multiple programs that could save you money.

  • Accident Forgiveness — USAA customers who remain accident-free for five years will be forgiven their first accident. This means that after an at-fault accident, their rates won’t go up. USAA also offers this option for purchase in some states.
  • Car Buying Service — Nobody wants to pay more than they have to for a new car. TruCar has partnered with USAA so drivers can make sure they are paying a good price for their car.
  • Usage-Based Insurance SafePilot™ is USAA’s safe-driving program, which helps drivers save money with their safe driving habits.

These programs and services can help you save money over time, especially accident forgiveness. You’ve seen how much rates can go up after an accident, which means that over the years, accident forgiveness can save you thousands.

– What Stands Out and What’s Missing

We’ve gone through quite a bit by now about USAA’s rates and services. So let’s take a quick moment to recap before we move on.

  • What Stands Out — USAA is known for its economical rates, and our analysis shows that USAA has cheap rates as well as full coverage options. The company also offers a decent amount of discounts for customers to bring costs down even more.
  • What’s Missing — USAA does have a few less car insurance options than other insurance providers. While USAA has rideshare gap insurance, it doesn’t offer ridesharing insurance. There also isn’t a program that recommends car insurance shops for USAA customers.

While USAA doesn’t offer a few additional amenities that other insurers do, it still has a great range of coverage options. Not to mention that it has lower prices than most insurers, making it an affordable option for customers.

Canceling Your Policy

If you’ve left the military or simply want to switch providers, then the last thing you want is a long, drawn-out process that feels more like you’re getting a divorce than canceling a policy.

The process can be so frustrating that some people may simply choose to stay with their current provider.

We want to see what USAA’s cancellation process is like, from fees to when the cancellation goes into effect.

So keep reading to see if USAA’s break-up process is easy or if USAA will keep calling you back to try to change your mind.

– Cancellation Fee

The good news is that USAA doesn’t charge cancellation fees. However, if you let your policy lapse you’ll have to still pay premiums and late fees as you didn’t officially cancel your policy.

So make sure call USAA to cancel and keep an eye on your account to make sure charges don’t appear after canceling.

– Is There a Refund?

If you cancel before the next billing cycle, USAA should refund you for any unused insurance.

For example, if you’ve paid ahead for three months of coverage but cancel in the first month, USAA should refund you for the unused two months of premiums.

– How to Cancel

Now that we’ve covered fees and refunds, let’s dive into how you actually cancel a USAA policy.

You’ll need the following information to cancel, so make sure you’re prepared ahead of time.

  • Personal information, such as your name, date of birth, and Social Security Number
  • The number of your current USAA policy
  • Your reason for canceling the policy
  • The name of your new insurer and your new policy number (if switching companies)

Once you have this information collected, there are three methods you can use to cancel: online, mail, or phone.

– Cancelling Online

One of the first ways you can cancel your policy is by going online to your account and logging in.

USAA_Log_on_to_Cancel_Policy_-medium

Once logged into your account, you can contact an online agent with a request to cancel your USAA insurance policy.

– Canceling by Mail

This is one of the slowest options, so if you need to cancel quickly, the mail is not the best option.

If you want to cancel by mail, you’ll need the following information in your letter.

  • Your USAA policy number
  • Your USAA policy end date
  • Your dated signature

You’ll have to send your cancellation letter to USAA’s headquarters and wait for the cancellation to be processed, which is why this option takes so long.

  • USAA Headquarters
    9800 Fredericksburg Rd
    San Antonio, TX 78288

– Canceling by Phone

One of the simplest ways to cancel your USAA policy is to call customer service at 800-531-USAA (8722) or at 210-531-USAA (8722).

As with any customer service line, though, you may have to stay on the phone for a bit.

– Canceling In-Person

If you have a USAA agent near you, there is also the option to visit in-person to cancel your policy.

This option is more limited, as you’ll have to go during business hours and there may not be a USAA representative near you.

– When Can I Cancel?

You can cancel your policy at any time with USAA. This is great, as some companies will charge customers for canceling before the end of an insurance cycle.

However, it is important that you have your next insurer ready to go before canceling.

The last thing you want is a lapse in your car insurance policy — companies will penalize drivers with increased fees for car insurance lapses.

Your cancellation should go into effect immediately (as long as you didn’t choose the mail option).

To make sure your policy is actually canceled, you can log into your USAA account or call USAA. You should also receive a cancellation confirmation notice from USAA.

How to Make a Claim

There’s a high likelihood that you’ll have to make a claim at some point in your driving career.

The last thing you want is to be with a company whose claim process is complicated or whose claim record is poor (meaning it doesn’t pay out many claims).

So keep reading to learn what USAA’s claim process is like, from ways to make a claim to how many claims USAA pays out.

– Ease of Making a Claim

USAA makes it easy to make a claim, as there are multiple methods to pick from.

  • Online — You can file a claim online by signing into your account on USAA’s website.
  • App — Another online option is using USAA’s mobile app to file an auto insurance claim.
  • In-Person — Once again, this option is limited. But you can file a claim in-person if you are near a USAA agent.
  • Phone — USAA also allows customers to call customer service at 800-531-8722 to file a claim.

These options make it easy to file a claim.

Just make sure you have relevant claim information, such as the time of the accident, the vehicles/drivers involved, and the damages incurred.

– Premiums Written

The number of premiums written shows if a company is growing or not. The more customers a company has, the less of a chance there is that customers will be overcharged.

This is because a company that has a high number of claims, but few customers, will have to charge customers more to pay out approved claims.

So let’s look at the NAIC’s data on USAA’s written premiums.

Year2015201620172018
USAA Written Premiums$9,843,321,000$11,691,051,000$13,154,939,000$14,467,936,000

USAA’s written premiums have increased significantly since 2015, which shows USAA has continued to grow and attract more customers.

An increase in written premiums also means USAA can continue to keep rates low.

– Loss Ratio

What is a loss ratio?

Basically, a company’s loss ratio is the amount the claims paid in relation to the premiums earned.

Why do loss ratios matter in claims? The importance of loss ratios to claims can be broken down into the following.

  • High Loss Ratio (over 100 percent) — A company with a high loss ratio is paying out too many claims. These companies run the risk of going bankrupt, and will likely increase prices for customers.
  • Low Loss Ratio — A company with a low loss ratio isn’t paying out many claims. This means customers have a high chance of their claim being rejected.

Below, you can see USAA’s loss ratios over a four year period.

Year2015201620172018
USAA Loss Ratio77.2886.2479.677

USAA’s loss ratios seem good, though the loss ratio was a little high in 2016 at almost 90 percent.

Remember, even though multiple claim payouts may seem good, they add costs onto customers’ rates.

Since USAA’s loss ratio dipped back down to 77 in 2018, USAA isn’t at risk of going bankrupt and is still paying out a decent amount of claims.

How to Get a Quote Online

Getting a quote online is one of the best ways to see what an insurer will charge you.

While we’ve already covered USAA’s rates and discounts, getting a quote can give you a second price estimate before you commit to a USAA policy.

So keep reading to learn about the different steps that you’ll have to complete to get a USAA quote.

Step 1 – Visit USAA’s Website

The first thing you’ll need to do to get an online quote is to visit USAA’s website.

USAA step 1-medium

Unlike other insurers’ webpages, you won’t see a huge banner advertising free quotes right away. However, if you scroll down the home page, you will see an option to get a free insurance quote.

USAA_Quote_2-medium

Step 2 – “Get a Free Quote” Link

If you click on the “get a free quote” button under auto insurance, you will be redirected to this page.

USAA members login-medium

If you aren’t a member, you’ll have to click “join online” on the right side of the screen.

Step 3 – Joining USAA For Non-Members

If you aren’t a USAA member and click “join online,” you’ll see the following screen.

USAA eligibility

Once you click continue, you’ll be taken to fill out the auto insurance form (you’ll set up an account while filling out the auto insurance form).

Step 4 – Filling out the Auto Insurance Form

The first thing you’ll need to do is fill out personal information.

USAA_personalinfo-medium

Once you’ve filled out your personal information, you’ll need to enter in information about your vehicles (if known).

USAA _ carquestions EDITED

After you enter in any known vehicle information about the make, model, safety features, and use, you will be asked questions to determine what types of coverages you need or want.

USAA_coverageneeds2-mediumOnce you’ve filled out all the required information, you can see a suggested quote for your auto insurance needs.

USAA_quote_edited-mediumThat’s it. USAA’s quote process is fairly simple, and you can get multiple quotes if you want to add drivers or a new car.

As a reminder, here is all the relevant information you’ll need to have to get a quote from USAA.

InformationRequired?
Social Security NumberNo
Date of BirthYes
Contact InformationYes
Driver's LicenseNo
Vehicle Identification NumberNo
Driver's HistoryYes
Vehicle InformationYes
Details about You or Your Family Member's Military ServiceYes
Passport or Permanent Resident Card (for non-U.S. citizens)Yes

We should note that you will need your Social Security Number if you decide to purchase a policy later.

Design of Website and App

Website and app design may seem like an unusual thing to cover, but companies with fast-loading and clearly-organized webpages are preferable.

After all, whenever you file a claim or check your payment status, you want the process to be easy and fast.

So let’s take a look at USAA’s technology.

– USAA’s Website: How Easy is it to Find Information?

USAA’s website has a simple design, making it easy to find information.

On the left side of the screen, there are two dropdown menus (products and advice). There are also options on the left side of the screen to join USAA or access a help button.

USAA step 1-medium

Each drop-down menu gives you a variety of options. For example, below is the drop-down menu for products.

USAA_drop down menu

As you can see, USAA offers a comprehensive list of information for its customers. If you want to learn more about auto insurance, the auto insurance option will take you to a page about coverages, discounts, and more.

Overall, USAA’s website is easy to navigate. If you find the drop-down menus overwhelming, you can also use the search bar on the top right of the screen.

When using the search bar, it helps to enter specific terms to narrow down search results. For example, enter auto insurance discounts rather than discounts.

Because of USAA’s website organization, though, it should be fairly easy to access what you need.

-USAA’s Mobile App

USAA’s mobile app has earned great ratings. Based on a total of 626,800 ratings, the app received 4.8 stars.

USAA Mobile App

 

USAA’s mobile app has had a few complaints, mostly dealing with technical bugs (such as Touch ID not working).

For the most part, though, positive things have been said about the app. So what can you accomplish from your phone with the app?

  • Pay your bills
  • Get an auto insurance ID card
  • Ask for roadside assistance
  • Report a claim after an accident
  • Ask questions (there’s a digital assistant)

There are other tasks you can accomplish with USAA’s app, such as checking your banking account or investments, but we’ve only included the tasks that relate to auto insurance.

Since we are on the subject of mobile apps, let’s take a look at USAA’s usage-based driving app.

USAA_Driving_App_

USAA’s driving app is fairly new and is dealing with common bugs and issues like the driving apps before it.

Because of this, the app currently only has a small number of reviews and only two out of five stars.

The most common complaint is that the driving app is currently only available in Arizona, Ohio, Texas, and Virginia, which most drivers didn’t realize until after they’d downloaded the app.

Pros and Cons

Now that we are nearing the end of this review, we want to recap and go through the pros and cons of USAA.

ProsCons
Cheaper rates than most providersRates go up significantly with a bad driving record (but generally still cheaper than other providers)
Multiple discountsFewer add-ons (doesn't have ridesharing insurance or car repair program)
Strong financial ratingsSome negative customer ratings on review sites
Highly-rated general appDriving app is only available in select states

Overall, USAA seems to have more substantial pros than cons.

The Bottom Line

We can safely say that USAA is a solid option for an auto insurer. While only you can decide if a provider is right for you, USAA offers incredibly low rates.

USAA also has decent financial and customer ratings, as well as increased growth in the market place. So if you go with USAA, there is little chance of USAA crashing and leaving you stranded without insurance.

However, USAA does lack a few programs that other companies have, such as ridesharing insurance. USAA still has all the basic coverages and more, though, so you won’t find that USAA skimped out on your coverages.

Overall, USAA is a great choice if you are military personnel, as USAA provides great coverages at economical prices.

FAQ

Since car insurance can be a confusing subject, we want to go through some frequently asked questions about USAA.

So keep reading to see what others are asking about USAA.

– Who is Eligible to join USAA?

You have to be active military personnel or an eligible family member. Family members who are eligible include spouses, widows, and un-remarried former spouses of USAA members. Children and stepchildren of military members are also eligible.

– Will USAA Cover My Rental Car After an Accident?

Rental car coverage can be confusing. It’s best to check directly with USAA to see if your current coverage extends to a rental car.

Sometimes, it’s best to purchase insurance from the rental company, as an accident won’t raise your rates at USAA.

– Does USAA Cover Rodent Damage?

If mice have made a nest in your car seats, USAA will help you if you have comprehensive coverage (which covers damages from animals).

So if you live in an area heavily populated with wildlife, comprehensive coverage may be a smart investment.

– Is USAA Cheaper than Geico?

This is a question people frequently ask, as Geico and USAA are frequently in competition for the title of the insurer with the cheapest rates.

Ultimately, which company is cheaper depends on your record and the area you live in. For the most part, though, the average rates show that USAA is the cheaper company.

– Does USAA Cover Towing?

USAA will cover towing if you have roadside assistance coverage. Roadside assistance will also help with flat tires, empty gas tanks, and locked cars.

We hope we’ve answered all your questions now that you’ve made it through our comprehensive review. Hopefully, you now feel prepared to decide if USAA is right for you.

If you want to start comparison shopping in your area today, enter your zip code in our FREE online tool below.

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