USAA Auto Insurance Review: Can you get affordable quotes? (2026)

Our USAA car insurance review shows that the company is a strong choice for drivers to get various coverages with low rates. However, only military members, veterans, and their families are eligible for coverage.

In addition to standard coverage, USAA offers coverage such as rideshare insurance and accident forgiveness. USAA also offers savings through its telematics program SafePilot, which monitors driving habits to determine a safe-driving discount.

While USAA specializes in low military insurance, compare coverage, rates, and discounts from multiple companies to find your best deal.

What You Should Know About USAA

USAA offers auto insurance to military members, veterans, and their families.  Rates are typically low, and USAA also provides numerous auto insurance discounts.

While USAA offers many standard types of car insurance, it also offers hard-to-find coverage, such as rideshare insurance and accident forgiveness.

Since USAA has great reviews and is considered one of the best military auto insurance companies, it’s worth comparing coverage, rates, and discounts to see if USAA offers the best deal.

Continue reading our USAA auto insurance review to learn if the company is the right choice for you.

Using the USAA Mobile App

Most insurance companies offer mobile apps to allow drivers to easily access account information. However, the USAA mobile app provides many additional benefits.

In the USAA app, you can:

• Get insurance IDs
• File a claim
• Request roadside assistance
• Pay bills
• Access member-only perks
• Calculate loan payments
•  Locate ATMs
• Make mobile deposits

The USAA mobile app conveniently allows drivers to access insurance information and other banking tasks.

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USAA Insurance Coverage Options

USAA provides many types of auto insurance coverage options for drivers.

USAA auto insurance coverage includes:

• Liability
• Collision
• Comprehensive
• Uninsured/underinsured motorist
• SR-22
• Non-owner
• Roadside assistance

USAA also offers specialized coverage options. Drivers can acquire accident forgiveness, rideshare coverage, and car replacement assistance. However, adding coverage does increase your rates.

How much auto insurance coverage you need varies based on your situation and state.

While most states require liability coverage, most other coverages are optional. Since liability coverage only pays for property damage and bodily injuries to others, many drivers choose full coverage. Full coverage includes liability, collision, comprehensive, and other state-mandated coverages.

This table shows the average USAA insurance rates for full and liability-only coverage.

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$228	$268	$321	$385
	$166	$194	$251	$276
	$198	$247	$282	$275
	$114	$151	$189	$309
	$248	$302	$335	$447
	$164	$196	$230	$338
	$150	$199	$265	$200
	$123	$137	$146	$160
	$248	$192	$199	$294
	$84	$96	$111	$154
National Average	$169	$203	$244	$295

While USAA full coverage rates are higher than liability rates, full coverage provides coverage for your vehicle. Without full coverage, you may have significant out-of-pocket costs if your vehicle is damaged.

USAA Insurance Rates Breakdown

Many factors affect USAA car insurance rates, such as age, driving record, credit score, and vehicle. USAA is one of the most affordable auto insurance companies for military families, but personal factors impact rates greatly.

Let’s look at USAA auto insurance rates for two of the most significant factors below.

Compare USAA Auto Insurance Rates

While USAA military car insurance rates tend to be the cheapest around, personal factors still impact your premiums.

Younger drivers pay higher rates since they lack experience behind the wheel. In addition, male drivers are statistically more likely to take risks and are charged higher rates.

This table breaks down USAA auto insurance rates by age and gender compared to other top insurers.

Insurance Company	Age: 16 Female	Age: 16 Male	Age: 25 Female	Age: 25 Male	Age: 30 Female	Age: 30 Male	Age: 60 Female	Age: 60 Male
	$608	$638	$181	$190	$168	$176	$150	$154
	$414	$509	$136	$150	$124	$136	$99	$104
	$810	$773	$172	$180	$160	$167	$120	$128
	$298	$312	$97	$93	$90	$87	$73	$74
	$723	$785	$187	$215	$174	$200	$148	$159
	$411	$476	$136	$150	$124	$136	$99	$104
	$801	$814	$141	$146	$131	$136	$92	$95
	$311	$349	$101	$111	$94	$103	$76	$76
	$719	$910	$107	$116	$99	$108	$89	$90
	$245	$249	$80	$85	$74	$79	$53	$53

USAA insurance quotes are cheaper than other insurers, regardless of age or gender.

One of the most significant factors that determine insurance rates is your driving record. It shows insurance companies how likely you are to cost them money in claims.

This table compares USAA auto insurance rates based on driving records.

Insurance Company	Clean Driving Record	One Speeding Violation	One Accident	One DUI Conviction
	$160	$188	$225	$270
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206
	$59	$67	$78	$108

USAA rates are also the cheapest, no matter the driving record. However, some infractions increase rates dramatically. For example, let’s look at how DUI affects auto insurance rates with USAA. The normally cheap USAA auto insurance rates are almost double with one DUI.

Keep your driving record clean to enjoy the most affordable USAA insurance rates.

USAA Discounts Available

USAA provides auto insurance discounts based on the driver, policy, and vehicle.

This table compares USAA auto insurance discounts with savings from other top companies.

Discount Name
Adaptive Cruise Control	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Adaptive Headlights	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Anti-lock Brakes	10%	✓	✓	5%	5%	5%	✓	5%
Anti-Theft	10%	✓		23%	20%	25%	✓	15%
Claim Free	35%	✓	✓	26%	✓	10%	✓	15%	23%	12%
Continuous Coverage		✓	✓		✓	✓	✓	✓	15%	✓
Daytime Running Lights	2%		✓	3%	5%	5%	✓	✓
Defensive Driver	10%	10%	✓	✓	10%	5%	10%	5%	10%	3%
Distant Student	35%	✓	✓	✓	✓	10%	✓		7%
Driver's Ed	10%	✓	✓	✓	10%	✓	10%	15%	8%	3%
Driving Device/App	20%	40%	✓	✓	30%	40%	20%	50%	30%	5%
Early Signing	10%	✓	✓	✓	✓	8%	✓	✓	10%	12%
Electronic Stability Control	2%	✓	✓	✓	5%		✓	✓	✓	✓
Emergency Deployment	✓	✓	✓	25%	✓	✓		✓	✓	✓
Engaged Couple	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Family Legacy	✓	✓	✓	✓	✓	✓	✓	✓	✓	10%
Family Plan	✓	✓	✓	✓	✓	25%	✓	✓	✓	✓
Farm Vehicle	10%	✓	✓		✓	✓		✓	✓	✓
Fast 5	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Federal Employee	✓	✓		12%	10%	✓		✓	✓	✓
Forward Collision Warning	✓	✓	✓	✓	5%		✓	✓	✓	✓
Full Payment	10%	✓	✓		$50	✓	✓	✓	8%	✓
Further Education	✓	✓			10%	15%		✓		✓
Garaging/Storing	✓	✓	✓		✓	✓	✓	✓		9%
Good Credit			✓	✓	✓		✓		✓	✓
Good Student	20%	✓		15%	23%	10%	✓	25%	8%	3%
Green Vehicle	10%	✓	5%	✓	10%	✓	✓	✓	10%	✓
Homeowner	✓	✓	✓		✓	5%	✓	3%	5%	✓
Lane Departure Warning	✓	✓	✓	✓		✓	✓	✓	✓	✓
Life Insurance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Low Mileage		✓		✓			✓	30%
Loyalty	✓	✓	✓	✓	✓	5%	✓	✓	✓
Married	✓	✓	✓	✓			✓		✓
Membership/Group	✓	✓	✓		10%	7%		✓		✓
Military		✓	✓	15%	4%	✓			✓
Military Garaging	✓	✓	✓	✓	✓	✓	✓	✓	✓	15%
Multiple Drivers	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple Policies	10%	29%	✓	10%	20%	10%	12%	17%	13%
Multiple Vehicles		✓	✓	25%	10%	20%	10%	20%	8%
New Address	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Customer/New Plan	✓	✓	✓	✓		✓	✓	✓	✓	✓
New Graduate	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Vehicle	30%	✓	✓	15%	✓			40%	10%	12%
Newly Licensed	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Newlyweds	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Non-Smoker/Non-Drinker	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occasional Operator	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occupation		✓			10%	15%	✓	✓		✓
On-Time Payments	5%	✓		✓	✓	✓	✓	✓	15%	✓
Online Shopper	✓	✓	✓	✓	✓	✓	7%	✓	✓	✓
Paperless Documents	10%	✓		✓	✓	5%	$50	✓	✓	✓
Paperless/Auto Billing	5%	✓		✓	✓	$30	✓	$20	3%	3%
Passive Restraint	30%	30%		40%		20%	✓	40%
Recent Retirees	✓	✓	✓	✓	4%	✓	✓	✓	✓	✓
Renter	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Roadside Assistance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Safe Driver	45%	✓		15%	✓	35%	31%	15%	23%	12%
Seat Belt Use	✓	✓	✓	15%	✓	✓		✓	✓	✓
Senior Driver	10%	✓		✓	✓	✓	✓	✓	✓
Stable Residence	✓	✓	✓	✓	✓		✓	✓	✓	✓
Students & Alumni	✓	✓	✓		10%	7%		✓	✓	✓
Switching Provider	✓			✓	10%	✓		✓	✓	✓
Utility Vehicle	15%	✓	✓		✓	✓		✓	✓	✓
Vehicle Recovery	10%	✓	✓	15%	35%	25%	✓	5%
VIN Etching	✓	✓	✓	✓	5%		✓	✓
Volunteer	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Young Driver	✓	✓	✓	✓		✓	✓	✓	✓	$75

While many companies offer similar discounts, USAA provides higher savings and discounts other companies may not have. For example, when comparing Allstate vs. USAA auto insurance discounts, USAA offers a continuous coverage discount, and Allstate doesn’t.

USAA allows drivers to bundle discounts for the greatest savings. Take advantage of all available discounts to get the lowest USAA car insurance rates.

How to Earn Safe Driving Discounts with USAA SafePilot

USAA SafePilot is a telematics program that provides up to a 30% discount based on your safe driving. The SafePilot mobile app records specific drive data, such as location, hard braking, and phone usage. A discount is calculated based on driving habits and added to your policy at renewal.

Adding SafePilot to your USAA auto insurance policy offers significant savings, and the company won’t raise rates if you score poorly.

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How USAA Ranks Among Providers

USAA reviews are favorable across the board. In addition, USAA received an A++ rating from A.M. Best for financial stability.

USAA customer service and claims satisfaction reviews are also good. According to J.D. Power, USAA scored the second highest in customer satisfaction in the country.