Who USAA Serves
Type of military Eligible parties 
Active-duty U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, and Reserves
Former military  Retirees and those separated with an Honorable discharge 
Cadets and midshipmen  Individuals at U.S. service academies, in advanced ROTC or on ROTC scholarship

Officer candidates within 24 months of commissioning 

Family  Widows, widowers and un-remarried former spouses of USAA members who had USAA auto or property insurance while married

Individuals whose parents have or had USAA auto or property insurance

USAA car indemnity may be underwritten by a unlike provider, including USAA Casualty Insurance Company, USAA General Indemnity Company, and Garrison Property and Casualty Insurance Company .

Types of coverage

USAA offers car indemnity for a variety of vehicles beyond the traditional criterion fomite, such as policy for motorcycles, RVs, boats, classic cars, and umbrella insurance.
USAA car products are only available to the military community.

comprehensive examination

comprehensive examination car indemnity is a major component of your car policy caller, providing policy coverage if you have an incidental while driving. This can include respective types of damages, including burn, hail, and flood .


besides standard is collision coverage, which provides protective covering if you are in an accident with another vehicle or with stationary subjects. If you finance or lease your fomite, you are likely required to carry this coverage .


When you are found legally responsible for an accident, indebtedness insurance provides protective covering if there is injury or death to another party .

Uninsured and Underinsured

not all drivers on the road may have car insurance. Uninsured and underinsured insurance protects you and your passengers should you sustain injuries from an accident with a driver who does not have any or enough car insurance coverage .

optional coverage

Roadside Assistance

USAA besides offers wayside aid for troubles you encounter along your travels, such as a flat tire or a tow .

rental Reimbursement

If your car needs repair, USAA offers rental reimbursement, which will pay for the cost of a rental car while your vehicle is in the shop class .

Rideshare Insurance

In reaction to the rise of Uber and Lyft, USAA besides offers rideshare insurance with guaranteed repairs at more than 2,900 locations across the area. Rideshare opening coverage is besides available for your existing policy .


USAA offers 12 car indemnity discounts for its members.
The modal member saves an average of $ 725 per year when switching to USAA .

Driving Discounts

  • Safe driver: USAA rewards you when you have a good driving record for at least five years.
  • Defensive driving: There are additional savings when you pass an approved driving course.
  • Driver training: You can also earn savings when you complete a basic driver training course. (Not available in HI and NC)
  • Good student: There are additional discounts for teens and young adults who maintain good grades in school. (Not available in HI and NC)

fomite Discounts

  • New vehicle: When you have a new car, you earn savings if your car is less than three years old. (Not available in Puerto Rico)
  • Multi-vehicle: You can save on all of your car insurance premiums when you insure multiple vehicles from the same household.
  • Annual Mileage: You can receive cheaper car insurance rates when you maintain a low mileage each year. (Not available in HI and NC)
  • Vehicle Storage: USAA will offer up to 60% off when you keep your insured vehicle in storage. (Not available in HI, NC, and VA)

membership Discounts

  • Family Discount: If your parents also have USAA auto insurance, you could receive a discount of up to 10% off on your policy.
  • Length of Membership Savings: The longer you are a USAA member, the more you could save with its member loyalty discounts.
  • Military Installation Discount: You can receive up to 15% off your policy when you garage your vehicle on a military base.

Bundle Discount

  • Bundle: When you bundle your car insurance with homeowners or renters insurance from USAA, you can receive up to 10% off your auto insurance policy.

additionally, USAA offers accident forgiveness for extra savings. When you are accident-free for five years at USAA, the car policy surcharge will be waived for your first at-fault accident. however, this option is not available for policyholders in California, Connecticut, Delaware, New York, and North Carolina.

payment Options

Policyholders can choose from either a six-month or year-long policy with the option of upfront or monthly payment options .
Payments can be made via hindrance, credit rating card, checking, savings, or money market account .

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