USAA SafePilot Program Review for 2021

USAA SafePilot is a usage-based insurance program (UBI) that monitors your driving habits and rewards safe drivers with a discount of up to 30 percent at the time of your policy renewal. Every driver on your policy must use the program. The SafePilot program is currently only available in Arizona, Ohio, Texas, and Virginia, and only military personnel are eligible to use USAA insurance company. Compare UBI programs and company quotes online to secure your best rates.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Can't-Miss Facts

  • USAA SafePilot is a usage-based insurance program that tracks your driving habits and rewards you with a policy discount
  • Safe drivers can receive up to 30 percent off with USAA SafePilot, and an additional 10 percent just for signing up
  • Only military personnel are eligible to use USAA services, including the SafePilot program
  • The SafePilot program is currently only available in Arizona, Ohio, Texas, and Virginia

USAA insurance provides customers with the USAA SafePilot program, a usage-based insurance mobile application that monitors and rewards your good driving habits.

Below, see how to enroll in the SafePilot program, what driving practices USAA tracks, privacy information, and more.

Before deciding if you want to buy USAA SafePilot auto insurance, compare other UBI programs and quotes from reputable providers near you by entering your ZIP code into our free quote tool above.

What is USAA SafePilot?

USAA SafePilot is a telematics or UBI program that uses a mobile application to track your driving habits. Using your USAA login, you can see your score in real-time after each trip.

The higher your driving score, the higher the discount you earn on your auto insurance rates at the time of your policy renewal, up to 30 percent. You also receive up to a 10 percent discount just for signing up.

Your rates cannot increase as a result of participating in the program. However, you can earn different discounted USAA SafePilot auto insurance rates after your policy renewal.

According to the Centers for Disease Control and Prevention (CDC), eight people die every day in a distracted-driving-related incident. UBI programs aim to reduce that risk by encouraging better driving habits with car insurance discounts.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

How does USAA SafePilot work?

To earn your affordable USAA SafePilot auto insurance discount, you must be a USAA auto insurance customer.

Enroll on the company website and download the SafeTrack mobile app. Next, simply start driving. All drivers on your policy must use the program.

See your score update in real-time in the mobile app. The app will automatically log your trips. You do not have to turn it on or off for it to work.

At the time of your policy renewal, your discount will be revealed and applied. The program starts over at the beginning of your next policy term.

What driving habits does USAA SafePilot track?

The USAA SafePilot program tracks seven different driving habits. Those include:

  • Location
  • Time of day
  • If you’re a passenger or driver
  • Hand-held calls
  • Hands-free calls
  • Harsh braking events

USAA does not share or sell your driving information with any third-party or marketing companies.

Is USAA SafePilot worth it?

If you’re a USAA customer, enrolling in the SafePilot program can only lead to a discount. USAA also protects your data and privacy.

Unfortunately, only Arizona, Ohio, Texas, and Virginia drivers are eligible to enroll in the program.

It’s essential to compare auto insurance quotes from multiple providers before choosing a policy.

The USAA SafePilot auto insurance discount is one of many UBI programs; compare other UBI discounts by entering your ZIP code into our quote tool below and start comparison shopping.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption