USAA Car Insurance Review 2022
USAA has been serving military members and their families since 1922. It began when 25 Army officers decided to insure each other’s vehicles. Today USAA, serves millions of members with its diversified group of financial services companies, including auto insurance, which started it all.
Who Can Buy USAA Auto Insurance?
You can join USAA only if you are a current or former military member or the spouse of a military member. Children of military members may join USAA as well.
USAA Car Insurance Comparison for Good Drivers
USAA has the lowest car insurance rates for good drivers based on our analysis of average rates nationwide.
USAA Car Insurance Comparison for Drivers With a Speeding Ticket
USAA car insurance rates go up only about 80 bucks a year if you get a speeding ticket, based on national averages. This makes USAA’s rates the most competitive in this category.
USAA Car Insurance Comparison for Drivers Who Caused an Accident with Injury
Causing an accident that injures someone else is a serious issue that will result in a car insurance increase. For example, Progressive’s price goes up over $1,200 a year, on average.
USAA’s rate goes up only about $570 a year. If you’re eligible for USAA insurance it is likely your best bet.
USAA Car Insurance Comparison for Drivers With a DUI
State Farm car insurance rates come in at the lowest for drivers who have a DUI conviction, among the largest insurers. USAA has the second-best average rates for drivers with a DUI, but military members should still get a USAA quote for themselves to compare prices.
USAA Car Insurance Comparison for Drivers With a Poor Credit
Simply having poor credit will often result in higher car insurance rates—sometimes much higher. Not all companies view poor credit the same way so it’s important to shop around. In this category Geico car insurance has the best rates but USAA is second among the largest insurers and worth a try.
USAA Car Insurance Comparison for Drivers Caught Without Insurance
USAA’s auto insurance rates go up only about $160 a year if you were caught driving uninsured. That makes USAA the cheapest option among large insurers if you have a lapse in your insurance history. Only those with a military affiliation are eligible for USAA though.
Complaints about USAA’s auto insurance are higher than other large companies but still below the industry average, making USAA worthy of consideration for those with a military affiliation.
USAA’s Grade from Collision Repair Professionals: C+
In a survey of collision repair professionals by CRASH Network, USAA earned a C+ grade.
The opinions of auto body professionals are insightful because they see how insurers compare in the use of lower-quality repair parts, whether insurers encourage the use of repair procedures recommended by car makers, and whether insurers have claims processes that lead to quick and satisfactory claims for customers.
About USAA Car Insurance
USAA sells insurance for a wide variety of vehicles: cars, motorcycles, recreational vehicles, boats and classic cars. For members with their pilot’s license, USAA offers aviation insurance.
Optional insurance coverage types like roadside assistance and rental reimbursement are also available from USAA.
Worried about a rate increase after a car accident? USAA offers accident forgiveness so you won’t have to worry about your insurance rate going up after a first-time accident where you’re at-fault. To qualify, you’ll need to be accident-free for five years.
For members who are also Uber or Lyft drivers, USAA provides rideshare insurance coverage.
USAA’s SafePilot Insurance
With USAA’s SafePilot program, you could save up to 30% on your auto insurance rates. And you may get up to a 10% discount for enrolling. The SafePilot app will track how well you are driving. The app automatically logs your driving trips and scores. When you renew with the SafePilot program you’ll find out what kind of discount that you earned. Your score gets reset when the next auto insurance policy period begins.
More Insurance from USAA
Not only does USAA offer home and auto insurance, but it also provides a variety of other insurance products. For those who are constantly dropping or losing their phone, USAA sells cell phone protection insurance. Since warranties usually don’t cover theft or loss, a protection plan can help replace your phone.
For those who love their pet like they love their family members, USAA sells pet insurance from Embrace to help with veterinary care costs. And, if you’re hosting an event, USAA offers special event insurance that can cover event cancellation due to deployment, severe weather, illness and other reasons.
Other policies USAA offers include:
- Dental insurance
- Farm and ranch insurance
- Life insurance
- Major medical insurance
- Small business insurance
- Travel insurance
- Vision insurance
USAA Mobile App
Through the USAA app, users can manage insurance and banking products, including:
- Pay bills
- Access insurance ID card
- Request roadside assistance
- Report claims
- Review accident checklist
- Access member-exclusive discounts for travel deals, online shopping, and more
- Join USAA Member Community
- Send money with Zelle
- Access mobile wallet
- Mobile deposits
- Calculate loan payments
- Locate ATMs
A Brief History of USAA
USAA was founded in 1922 when 25 Army officers gathered in San Antonio and decided that they would insure one another’s vehicles. A year later, USAA’s membership expanded to include Navy and Marine Corps officers. When the Great Depression hit, membership doubled from 15,000 to 30,000 members, accelerating the growth of the organization.
Now headquartered in San Antonio, USAA has offices across the nation and provides services for more than 12 million members.
USAA’s Charitable Causes
The USAA Educational Foundation and The USAA Foundation Inc. provide support and help to the communities of military employees as well as the military community as a whole. Through donations and building relationships, these organizations strive to make a positive impact in military communities by providing financial support to local nonprofits whose needs align with the needs of USAA members.
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