USAA Car Insurance Review For 2024

USAA Car Insurance Review

USAA Car Insurance Review For 2024 USAA offers competitive car insurance rates for drivers with different driving histories and ages. If you meet the eligibility criteria as a military member, veteran, or military family member, it’s worth considering USAA for your car insurance needs. Are you in the market for car insurance? Look no further than USAA. With its top-notch customer service, comprehensive coverage options, and competitive rates, USAA has been a trusted name in the insurance industry for years. In this review, we’ll take a closer look at what sets USAA apart from other insurers and why it might be the perfect fit for your car insurance needs in 2024. From their mobile app to their claims process, we’ll cover everything you need to know before making a decision. So buckle up and let’s dive into this USAA car insurance review!

Outlines Of Guide

USAA Car Insurance Review For 2024

USAA car insurance continues to be a top choice for many consumers in 2024. With its strong reputation for excellent customer service and competitive rates, USAA consistently ranks high in customer satisfaction surveys. The company offers a wide range of coverage options to meet the needs of different drivers, whether they are military members, veterans, or their family members. Additionally, USAA provides helpful tools and resources to make managing policies and filing claims easy and convenient. While no insurance company is perfect, USAA’s track record and commitment to serving its customers make it a reliable choice for car insurance coverage.

USAA Car Insurance Pros And Cons

USAA Car Insurance is a popular choice for many drivers, and it comes with its fair share of pros and cons. One of the biggest advantages of USAA is its exceptional customer service. The company consistently receives high ratings for its customer satisfaction and claims handling. Additionally, USAA offers a wide range of coverage options, including comprehensive and collision coverage, as well as roadside assistance. On the downside, USAA is only available to military members and their families, so it may not be an option for everyone. Furthermore, some customers have reported higher premiums compared to other insurance providers. Ultimately, it’s important to carefully consider your own needs and priorities when deciding if USAA Car Insurance is the right fit for you in 2024.

Pros

  • Has the cheapest average rate for good drivers among the companies we analyzed.
  • Has low-cost rates for drivers who’ve had a gap in car insurance coverage.
  • Offers accident forgiveness and new car replacement.
  • Rideshare insurance is available for those who drive for Uber and similar services.

Cons

  • USAA offers auto insurance only to veterans and active members of the military, plus their immediate families.
  • USAA doesn’t offer gap insurance.
  • Earned only a C- grade from repair professionals for its collision repair claims processes.

About USAA Car Insurance For 2024

Based in San Antonio, USAA was founded in 1922 by a group of Army officers who wanted to self-insure their cars. Today, USAA caters exclusively to members of the military, veterans, and their families, offering a variety of insurance and financial products. USAA car insurance has consistently been praised for its excellent customer service and competitive rates. With a strong reputation for providing top-notch coverage to military members and their families, USAA is known for going above and beyond to meet the unique needs of its policyholders. In addition to offering standard coverage options such as liability, comprehensive, and collision, USAA provides additional benefits like accident forgiveness and roadside assistance. Their mobile app also allows customers to easily manage their policies and file claims on the go. Overall, USAA car insurance continues to be a trusted choice for those in the military community seeking reliable coverage and exceptional service.

Is USAA Good Insurance?

In 2023, USAA emerged as the leading auto insurance company, surpassing its competitors in various categories. Our analysis revealed that USAA offered the most affordable rates overall when compared to other companies, particularly across different demographic categories. Additionally, USAA received high praise for its customer service and boasts a high customer retention and referral rate. The only area where USAA fell to the second position was in Claims Handling, with American Family taking the top spot.

USAA Customer Service

With a score of 4.4 out of 5, USAA narrowly edged out competitors to earn the No. 1 spot for Customer Service. American Family and State Farm, tied at No. 2, were not far behind with a score of 4.3. Some 90% of survey respondents said they were either satisfied or very satisfied with USAA customer service.

USAA Claims Handling

USAA is ranked second with a score of 4.2 in the Claims Handling subcategory, just behind American Family, which holds the top position with a score of 4.3. While USAA received high overall marks, it fell behind American Family in terms of satisfaction across various survey questions related to filing a claim, status updates during the claim process, and satisfaction with the claim resolution. Approximately 84% of USAA customers expressed satisfaction with how their claims were resolved.

USAA Customer Loyalty

USAA ranks first in our Customer Loyalty category, with 96% of survey participants indicating their likelihood to renew their policy. American Family is the only other insurer to receive a similar level of positive responses, as 91% of their customers also expressed intent to renew. Conversely, Farmers customers showed the lowest likelihood of renewing, according to our category ratings.

USAA Car Insurance Rates vs. Competitors

USAA is included on Orangebybk list of best car insurance companies. See how its rates compare to other companies. When comparing USAA car insurance rates to its competitors, it’s important to note that USAA only offers coverage to military members, veterans, and their families. However, if you are eligible for USAA coverage, you can benefit from lower rates as compared to other insurance providers. According to a recent study conducted by Orangebybk, USAA car insurance rates were found to be 36% cheaper than the industry average for drivers with good credit and a clean driving record. Additionally, USAA offers various discounts such as safe driver discounts and multi-policy discounts that can help lower your premiums even further.

USAA Car Insurance Cost Comparison for Good Drivers

USAA has the cheapest average car insurance rates for good drivers among the insurers we evaluated. Its national average price for good drivers is well below the average of $2,026 per year for the companies we analyzed.

Company National average annual cost for good drivers
USAA* $1,364
Nationwide $1,436
Travelers $1,521
Geico $1,597
Erie $1,642
Progressive $1,826
State Farm $2,025
Allstate $2,896
Farmers $3,093
USAA is available only to the military, veterans and their families.

USAA Car Insurance Cost Comparison for Drivers With a Speeding Ticket

USAA offers very low prices for drivers with a speeding ticket. If you have tickets on your record, it’s smart to shop around for car insurance quotes because of the wide variation in costs from one company to the next.

Company National average annual cost for drivers with a speeding ticket
USAA $1,661
Nationwide $1,878
Erie $1,899
Travelers $2,062
Geico $2,150
State Farm $2,270
Progressive $2,350
Allstate $3,312
Farmers $3,951
USAA is available only to the military, veterans and their families.

UUSAA Car Insurance Cost Comparison for Drivers Who Caused an Accident With an Injury

USAA has the lowest rate for motorists who have caused an accident with an injury to someone else compared to other top insurers we analyzed. USAA’s average car insurance cost for drivers who caused an accident with injury is more than $1,000 cheaper a year than the national average of $3,009 a year.

Company National average annual cost for drivers causing an accident with injury
USAA $1,958
Erie $2,224
Travelers $2,293
Nationwide $2,337
State Farm $2,428
Geico $2,748
Progressive $2,770
Farmers $4,412
Allstate $4,545
USAA is available only to the military, veterans and their families.

USAA Car Insurance Cost Comparison for Drivers With a DUI

USAA auto insurance costs are low for drivers with a DUI when compared to competitors. USAA’s average cost for drivers with a DUI is well below the national average of $3,363 per year among the companies we analyzed.

Company National average annual cost for drivers with a DUI conviction
Progressive $2,307
USAA $2,604
Travelers $2,610
Erie $2,665
State Farm $2,716
Nationwide $3,083
Geico $3,723
Farmers $4,272
Allstate $4,315
USAA is available only to the military, veterans and their families.

USAA Car Insurance Cost Comparison for Drivers With Poor Credit

Average USAA auto insurance costs are pretty competitive for drivers with poor credit compared to competitors. USAA’s average prices are below the national average of $3,847 a year among the companies we analyzed. Insurance companies assert that a person’s credit correlates with the chances someone will make an insurance claim in the future. This correlation leads to higher rates. California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when pricing auto insurance.

Company National average annual cost for drivers with poor credit
Nationwide $2,051
USAA $2,450
Geico $2,482
Travelers $2,699
Progressive $3,221
Erie $3,701
Allstate $4,531
Farmers $4,889
State Farm $7,961

USAA Car Insurance Cost Comparison for Adding a Teen Driver

USAA’s car insurance cost to add a teen driver is relatively competitive but still slightly above the national average. Adding a new teen driver to a car insurance policy can hike up your rates. We found that the national average cost for adding a 16-year-old driver to a parent’s policy is $2,359 a year among the companies we analyzed.

Company Increase per year for adding a 16-year-old driver
Nationwide $893
Erie $1,606
Farmers $1,900
Geico $1,982
Progressive $2,062
USAA* $2,466
State Farm $2,622
Allstate $2,643
Travelers $2,728
USAA is available only to the military, veterans and their families.

USAA Car Insurance Cost Comparison for Young Drivers Ages 18 to 25

USAA car insurance costs are relatively low for drivers between 18 and 25. Its cost is around $1,300 per year cheaper than the national average of $3,704 a year, among the large insurers we analyzed. The costs below are for young drivers on their own auto insurance policies. You can usually decrease costs by keeping a young driver on a parent’s policy as long as possible.

Company National average annual cost for young drivers
USAA $2,368
Erie $2,575
Travelers $2,638
Geico $2,781
Nationwide $2,881
State Farm $3,643
Progressive $3,704
Allstate $4,764
Farmers $5,225
USAA is available only to the military, veterans and their families.

USAA Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80

USAA car insurance costs for drivers 65 to 80 are reasonably cheap compared to other large auto insurance companies we analyzed. The national average is $2,150 a year, based on our analysis. USSA is about $700 a year below the average.

Company National average annual cost for senior drivers
Nationwide $1,402
USAA $1,455
Travelers $1,668
Geico $1,793
Erie $1,831
Progressive $1,937
State Farm $2,009
Allstate $2,996
Farmers $3,199
USAA is available only to the military, veterans and their families.

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Auto Insurance Complaints Against USAA

While USAA is a renowned insurance company, it has been found to have a higher number of auto insurance complaints than several other large insurers. This information is based on complaints registered with state insurance departments across the country. However, it is worth noting that USAA’s complaint rate falls slightly below the industry average. USAA’s top auto insurance grievances are related to rates, claim delays, and unsatisfactory claim settlement offers. These issues can be frustrating for policyholders and can lead to a lack of trust in the insurer. Therefore, it is essential for USAA to address these concerns promptly and efficiently to maintain customer satisfaction and loyalty. One way they could do this is by improving their claims processing time or by offering more competitive rates compared to their competitors.

USAA’s Grade from Collision Repair Professionals: C-

USAA received a C- grade in a survey of collision repair professionals conducted by CRASH Network. The perspectives of auto body professionals offer valuable insights into insurers’ use of lower-quality repair parts, encouragement of recommended repair procedures, and claims processes that affect customer satisfaction.

Does USAA Offer Accident Forgiveness?

USAA offers optional accident forgiveness insurance, which may initially raise your premiums but can become free after five years if your household is accident-free. This feature can only be used for one accident during a policy period of six or 12 months and is not offered in all states.

Does USAA Offer New Car Replacement?

USAA provides optional new car replacement coverage, which is beneficial if your new vehicle is completely damaged. With this coverage, USAA offers an additional 20% reimbursement on the vehicle’s actual cash value if it needs to be replaced due to a wreck. However, this coverage is only applicable if you have both comprehensive and collision coverage, and it is not offered for leased vehicles by USAA.

Does USAA Offer Gap Insurance?

USAA does not offer loan or lease gap insurance, which is designed to cover the disparity between a car’s value and the remaining amount owed on it. For instance, if a car is declared a total loss with an actual cash value of $15,000, but the owner still owes $20,000, gap insurance would cover the $5,000 shortfall.

Does USAA Offer a Diminishing Deductible?

USAA does not provide a diminishing deductible option. Insurance companies that offer this will reduce the deductible over time if no accidents or claims are made.

Does USAA Offer SR-22s?

Certainly, USAA has the capability to offer SR-22 insurance, designed for drivers with a higher risk profile. In certain cases, states may require drivers to obtain an SR-22 certificate from their insurance provider if they are involved in multiple accidents, receive numerous moving violations, or exhibit other behaviors that categorize them as high-risk. This certificate serves as confirmation that the vehicle owner holds at least the minimum required insurance coverage.

Does USAA Offer Usage-Based Insurance?

USAA offers a usage-based insurance program called SafePilot, which is a smartphone-based app that assesses driving behavior and provides tips. The app tracks harsh braking, total driving hours, location and time, presence of a passenger, and phone usage. Participants in the program can save 10% on their insurance and may qualify for a 30% discount based on their driving score. The discount amount may change yearly depending on the driving performance. USAA assures that SafePilot does not impact a person’s insurability or lead to increased rates.

Does USAA Offer Pay-Per-Mile Insurance?

USAA does not currently offer pay-per-mile car insurance. Pay-per-mile coverage is a type of insurance that charges drivers a base rate along with a per-mile rate. This means that the less someone drives, the lower their overall rate would be on this policy. While USAA does not provide this specific type of insurance, there may be other options available for those who are interested in reducing their premiums based on their mileage habits. It’s important to research and compare different insurance providers to find the best policy for your individual needs and circumstances.

Does USAA Offer Rideshare Insurance?

Certainly, USAA provides a rideshare insurance option as an add-on to a USAA policy. While transportation network companies like Uber and Lyft offer insurance coverage for their drivers during specific times in a trip, it may not include the period when the driver has the app open but a rider hasn’t accepted a ride, which is typically not covered by personal policies. USAA’s rideshare endorsement offers protection during this specific time period.

USAA Car Insurance Discounts

  1. Annual mileage discount: Got low annual mileage? You’ll qualify for discounts.
  2. Automatic payments discount: Save up to 3% when you set up automatic payments for your USAA car insurance.
  3. Bundling discount: You can save up to 10% when you bundle USAA auto and home policies.
  4. Defensive driving discount: Make sure to get this discount if you take an approved defensive driving course.
  5. Driver training discount: This is for completing a basic driver’s training class.
  6. Family (legacy) discount: When a child of a USAA auto insurance member signs up for auto insurance, they can receive up to a 10% discount on their insurance.
  7. Good student discount: You could get a price break if your student gets good grades.
  8. Length of membership discount: Long-time members are eligible for savings.
  9. Military installation discount: When you keep your car in a garage on a military base, you can save up to 15% on your policy’s comprehensive coverage.
  10. Multi-vehicle discount: You’ll get this if you Insure two or more vehicles with USAA.
  11. New vehicle discount: Savings if your car is not more than three years old.
  12. Safe driver discount: Have a good driving record for more than five years and you’ll earn a discount from USAA.
  13. Vehicle storage discount: You can save as much as 60% on your car insurance when you store your car—for example, when you’re away on deployment.

More Insurance from USAA

USAA not only provides home and auto insurance, but also offers a range of other insurance products. If you frequently lose or damage your phone, USAA offers cell phone protection insurance as warranties typically do not cover theft or loss. Pet insurance from Embrace is available for those who consider their pets as family members, to assist with veterinary care costs. Additionally, USAA provides special event insurance that can cover event cancellation due to deployment, severe weather, illness, and other reasons for those hosting an event.

USAA Mobile App

Through the USAA app, customers 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

What States Does Travelers Car Insurance Operate In?

USAA, a financial services company that primarily serves military members and their families, has a wide reach across the United States. The company is available in all 50 states as well as Washington, D.C. This allows military members and their families to access USAA’s products and services regardless of where they are located within the country. With its commitment to serving those who serve our country, USAA has become a trusted and reliable provider of insurance, banking, investment, and other financial services.

Methodology

We assessed each car insurance company to determine the best ones by considering their average rates for different drivers, the coverage options available, any complaints lodged against the company, and collision repair ratings from auto body experts.

Auto insurance rates (50% of score)

Data from Quadrant Information Services was utilized to determine the average rates from each company for various driver profiles, including good drivers, those with a history of accidents, speeding tickets, DUIs, poor credit, lack of insurance, as well as the impact of adding a teen driver, senior drivers, and young drivers. The rates are based on a 40-year-old female driver with a Toyota RAV4 and specific coverage.

  • $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
  • Uninsured motorist coverage of 100/300.
  • Collision and comprehensive insurance with a $500 deductible.

Car insurance coverage options (25% of score)

It is essential for an auto insurance company to offer the fundamental liability insurance, collision and comprehensive coverage, as well as other standard options. However, it is equally crucial to have access to supplementary coverage options that can offer increased protection or cost benefits. We evaluated companies in this category based on their provision of accident forgiveness, new car replacement, disappearing deductibles, usage-based or pay-per-mile insurance, and SR-22s.

Complaints (20% of score)

We analyzed complaint information provided by the National Association of Insurance Commissioners. Every state’s insurance department is responsible for recording and overseeing complaints lodged against the companies operating within their jurisdiction. The majority of auto insurance complaints revolve around claims, such as dissatisfaction with settlements, delays, and denials. The industry’s average complaint ratio is 1.00, indicating that companies with a ratio below 1.00 experience fewer complaints.

Collision repair (5% of score)

We included evaluations of insurance companies by collision repair experts, using data from CRASH Network, a weekly newsletter that focuses on the collision repair and auto insurance industries. The grades in CRASH Network’s Insurer Report Card were based on assessments from over 1,000 collision repair professionals, providing insight into the quality of auto insurers’ collision claims service.

USAA Car Insurance Review 2024 Faqs

Is USAA good car insurance?

USAA may be a good choice for car insurance, assuming you have the necessary military connection to get it. It has the most affordable average annual rates of any insurer in our study, plus strong scores for Customer Service and Customer Satisfaction.

Who should get USAA car insurance?

With some of the cheapest rates for drivers of any age or gender, according to our analysis, USAA offers affordable coverage to anyone eligible for membership. USAA is also more forgiving of motorists with a less-than-perfect driving record.

Where can I get USAA car insurance?

You can learn more about USAA auto insurance online, over the telephone, or by visiting with a local agent.

How do I contact USAA?

  • Website: www.usaa.com
  • Customer service number: 1-800-531-USAA (8722)

How does USAA compare to other car insurance companies?

USAA outscores most other insurance companies in our 2023 analysis, with the most affordable rates and high marks for Customer Service, Claims Handling, and overall customer satisfaction.

Summary

USAA car insurance is a top choice for many drivers, offering comprehensive coverage, competitive rates, and excellent customer service. With a strong reputation and a range of benefits such as accident forgiveness and roadside assistance, USAA provides peace of mind for policyholders. Whether you’re a military member, veteran, or eligible family member, USAA car insurance is worth considering. To learn more about the benefits of USAA car insurance or to get a quote, visit their website today.

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