USAA is long-familiar as the best car policy provider for military personnel and other drivers who meet eligibility requirements. The provider offers some of the best rates and customer overhaul in the diligence, though coverage is merely available to drivers who are eligible through military affiliation. USAA policyholders benefit from a diverseness of discounts, on exceed of competitive rates, and enjoy relief of habit through digital services .

  • Average full coverage premium: $1,484
  • Region offered: All 50 states and Washington, D.C.
  • Market share: 6.01%
  • AM Best rating/financial strength profile: A++ (Superior)
  • J.D. Power claims satisfaction rating: 5/5
  • Specialty coverages: Collector and Classic Car Insurance, Rideshare Insurance
  • Caveats for eligibility: Must qualify for USAA membership through being an active, retired or honorably separated U.S. military officer. Eligibility also extends to officers in commissioning programs, children and widowers of eligible USAA members and second-generation descendants of military personnel.

USAA customer satisfaction and complaints

USAA receives a 5/5 claims satisfaction rate according to the 2019 J.D. Power survey. The high gear fink lands USAA among the best in comparison to other major car insurance providers such as Geico and State Farm. USAA besides receives high marks for overall customer satisfaction, systematically military rank 5/5 in every U.S. region. USAA is a small-to-medium provider since eligibility is limited, and it ranks among similar-sized providers for customer gratification. The Hartford, Erie and American Family have similarly high rankings for customer satisfaction. When it comes to claims and customer atonement, different variables can affect agency scores. Most customers report lower gratification when they have to deal with frustrating pricing and negative customer serve experiences.

How factors affect USAA’s auto insurance rates

USAA offers a range of coverage that starts at $ 539 a year for minimum liability policies, and full coverage policies averaging $ 1,484 a year. numerous factors will affect your specific car insurance costs. The table below demonstrates the impingement to USAA full moon coverage rates with specific factors added for comparison .

Average rates Accident Speeding ticket Poor credit
$1,484 $2,006 $1,735 $2,284

How driving record affects USAA car insurance rates 

Accidents

Accidents affect car insurance rates because they are an indication to insurers of how hazardous your repel is. If you ’ ve been in one or more car accidents, providers will typically raise your agio to help cover costs and offset future claims. USAA states that most customers won ’ thyroxine experience higher premiums if they ’ ra in an accident that wasn ’ t their defect. Your USAA indemnity rates will merely rise if you caused an accident ; as indicated in the chart above, USAA will increase annual full coverage rates about $ 600 on average. To help keep costs low for good drivers, USAA besides offers accident forgiveness. If you haven ’ triiodothyronine been in an accident for five years, USAA won ’ thymine raise your agio for one at-fault accident .

Speeding ticket

Speeding tickets fall into the lapp category as accidents. USAA considers both as part of your driving history to determine your annual premium. If you have accident forgiveness, USAA won ’ t stigmatize a speeding slate against you if you haven ’ deoxythymidine monophosphate had an incident in at least five years. Outside of accident forgiveness, if you do see a rate addition due to a speed ticket, it may take up to 3 years for USAA to lower the rate .

How poor credit affects rates

Most states allow use of credit scores to help determine indemnity premiums, except California, Massachusetts and Hawaii. While the proprietary analysis of your credit score varies by provider and express, studies show that the score can be a forecaster of individual gamble. In other words, a lower credit score has a correlation to the likelihood you will file claims.

USAA ’ second average full coverage premiums saw an increase of about $ 800 with poor credit rating as a variable star. Thankfully credit scores can be improved over time, so you can efficaciously reduce your premiums with better credit. According to the Insurance Information Institute, about 50 % of policyholders can pay lower premiums because of good recognition .

USAA auto insurance discounts

USAA offers discounts coherent with early insurance providers in the industry. In general, you can get discounts for driving safe and owning newer or safer vehicles. USAA besides offers discounts for good students and for customers who insure multiple cars or syndicate members through USAA. Discounts specific to its military customer base are besides available .

Unique discounts offered by USAA

Military installation discount

The USAA military installation discount rate is available for active military personnel who store their fomite on a infrastructure. Customers can enjoy up to 15 % off their annual premium in all states except New York. This discount is distinctly unique to USAA .

USAA auto insurance premium length

USAA offers both 6-month and 12-month insurance policies. The premium length impacts how much you pay vitamin a well as how long your policy lasts. A 12-month policy is beneficial since you won ’ deoxythymidine monophosphate have to worry about renewal for a year, but you may miss out on discounts that you could use after six months. For example, improvements in your credit won ’ triiodothyronine impact your rate until after your 12-month policy ends and is up for reclamation .

USAA vs. other insurance companies

Company J.D. Power Score (Overall) J.D. Power Score (claims satisfaction) AM Best Average rate full coverage
USAA 904 5/5 A++ (Superior) $1,484
AAA 869 3/5 A- (Excellent $1,948
Allstate 858 4/5 A+ (Superior) $1,896
American Family 878 3/5 A (Excellent) $1,218
Amica 861 5/5 A+ (Superior) $1,449
Auto-owners 869 5/5 A++ (Superior) $1,308
Erie 880 5/5 A+ (Superior) $1,141
Farmers 849 2/5 A- (Excellent) $1,540
GEICO 867 3/5 A++ (Superior) $1,260
The Hartford 895 4/5 A- (Excellent) $1,572
Met Life 861 2/5 A+ (Superior) $1,923
Nationwide 862 2/5 A+ (Superior) $1,533

USAA mobile app and digital experience

USAA offers the USAA Mobile App for rid through the Apple App Store and Google Play. Through the app, customers can take advantage of the watch digital options for policy management :

  • Mobile auto ID
  • Mobile roadside assistance request
  • Report claims
  • Accident checklist
  • Integration with banking

Alternative insurance products offered by USAA

Product Discounts J.D. Power rating
Auto Insurance Safe Driver
Defensive Driving
Driver Training
Good Student
New Vehicle
Multi-Vehicle
Annual Mileage
Vehicle Storage
Family Discount
Length of Membership
Military Installation
5/5
Property Insurance Bundle and save with auto insurance
Discount for no claims within at least 5 years
5/5
Life Insurance N/A N/A

In the spotlight

  • Custom insurance products specific to military needs
  • High claims satisfaction and overall customer satisfaction in every region
  • Superior financial strength ratings
  • Corporate dedication to supporting the military community through financial readiness, career assistance and caregiving
  • Multiple insurance products available for auto, home and life

Methodology

coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of nothing codes across all 50 states, using USAA ’ randomness premiums written. Quoted rates are based around the profiles of a 30-year-old male and female with clean drive records, good recognition and the follow full coverage details :

  • $100k bodily injury liability per person
  • $300k bodily injury liability coverage per crash
  • $100k property damage liability coverage per crash
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible

minimal coverages were applied to match department of state requirements. Both drivers used a new, finance 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year. An accident was defined as an at-fault accident with $ 3k in property damage. A speed incident was defined as speeding 16-20 MPH over the limit. These rates were publicly sourced from insurance company filings and should be used for relative purposes only – your own quotes may be different .

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