USAA offers the best car insurance in the nation, excelling in affordability and customer experience, earning perfect scores in both categories. This ranking reflects a 40-year-old male driver with good credit and no driving violations. USAA's ranking for your profile depends on your coverage needs.
USAA Car Insurance Review
Updated: September 17, 2025
Advertising & Editorial Disclosure
Key Takeaways
USAA ranks first for full coverage and minimum liability coverage affordability, with average monthly rates of $78 and $31, respectively.
USAA claims the top spot nationwide for overall customer satisfaction, earning perfect scores due to its specialized military-focused service model and positive customer reviews.
USAA ranks sixth for coverage options, offering distinctive benefits like accident forgiveness for long-term members and coverage that follows you worldwide during military deployments.
USAA Car Insurance Ratings
| Overall Score | 4.86 | 1 |
| Customer Experience | 5.00 | 1 |
| Coverage | 3.63 | 6 |
| Affordability | 5.00 | 1 |
Who Is USAA Car Insurance Best and Worst For?
USAA excels for military families seeking exceptional customer service, veterans wanting comprehensive coverage and service members needing affordable rates with military-specific benefits. Civilians can't access USAA, and young drivers may find better rates elsewhere.
Compare how USAA stacks up for your profile below.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.86 | 1 |
USAA Car Insurance Ratings by State
USAA doesn't rank within the top five companies in any of the 51 states and territories we analyzed. The insurer also doesn't hold the top position in any state for overall performance in our rankings.
| Alabama | 0.24 | 1 |
| Alaska | 0.24 | 1 |
| Arizona | 0.24 | 1 |
| Arkansas | 0.24 | 1 |
| California | 0.23 | 1 |
| Colorado | 0.23 | 1 |
| Connecticut | 0.24 | 1 |
| Delaware | 0.24 | 1 |
| District of Columbia | 0.24 | 1 |
| Georgia | 0.24 | 1 |
| Hawaii | 0.24 | 1 |
| Idaho | 0.24 | 1 |
| Illinois | 0.23 | 1 |
| Indiana | 0.24 | 1 |
| Iowa | 0.24 | 1 |
| Kansas | 0.24 | 1 |
| Kentucky | 0.24 | 1 |
| Louisiana | 0.24 | 1 |
| Maine | 0.24 | 1 |
| Maryland | 0.24 | 1 |
| Massachusetts | 0.24 | 1 |
| Michigan | 0.24 | 1 |
| Minnesota | 0.24 | 1 |
| Mississippi | 0.24 | 1 |
| Missouri | 0.24 | 1 |
| Montana | 0.24 | 1 |
| Nebraska | 0.24 | 1 |
| Nevada | 0.24 | 1 |
| New Hampshire | 0.24 | 1 |
| New Mexico | 0.24 | 1 |
| New York | 0.23 | 3 |
| North Dakota | 0.24 | 1 |
| Ohio | 0.24 | 1 |
| Oklahoma | 0.24 | 1 |
| Oregon | 0.24 | 1 |
| Pennsylvania | 0.24 | 1 |
| Rhode Island | 0.24 | 1 |
| South Carolina | 0.24 | 1 |
| South Dakota | 0.23 | 2 |
| Tennessee | 0.24 | 1 |
| Texas | 0.24 | 1 |
| Utah | 0.24 | 1 |
| Vermont | 0.24 | 1 |
| Virginia | 0.24 | 1 |
| Washington | 0.24 | 1 |
| West Virginia | 0.24 | 1 |
| Wisconsin | 0.24 | 1 |
| Wyoming | 0.24 | 1 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
USAA Car Insurance vs. Competitors
Here's how USAA car insurance compares with major national insurers:
USAA vs. GEICO | 4.86 vs. 4.34 | USAA edges out GEICO for affordability and delivers superior customer experience, making it the better choice for military members. |
USAA vs. State Farm | 4.86 vs. 4.15 | USAA outperforms State Farm across all categories, though State Farm remains a solid option. |
USAA vs. AAA | 4.86 vs. 3.79 | USAA outperforms AAA in all categories, making it the clear winner for military members. |
USAA vs. Allstate | 4.86 vs. 3.78 | USAA outperforms Allstate for eligible members, though Allstate offers more comprehensive coverage options. |
USAA vs. Progressive | 4.86 vs. 4.2 | USAA surpasses Progressive across affordability, customer experience and coverage options for military members. |
USAA vs. Travelers | 4.86 vs. 4.5 | While Travelers ranks among the top insurers in our analysis, USAA performs even better for eligible members. |
USAA vs. Farmers | 4.86 vs. 3.86 | USAA outperforms Farmers in affordability and customer service, though Farmers provides the most comprehensive coverage options. |
How Much Does USAA Car Insurance Cost?
USAA's car insurance costs range from $31 to $1,025 monthly, depending on your profile and coverage choices.
To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $169 | $2,030 | -51% | 1 |
USAA Car Insurance Rates by Driver Category
USAA ranks among the cheapest car insurance companies for all driver categories, including those with accidents, DUIs and bad credit. Review how affordable USAA is for your driving category in the table below.
| Adult Drivers | $28 | $69 | -47% | 1 |
| Young Drivers | $62 | $153 | -52% | 1 |
| Senior Drivers | $43 | $95 | -40% | 1 |
| Drivers With An Accident | $40 | $98 | -48% | 1 |
| Drivers With A DUI | $54 | $134 | -43% | 1 |
| Drivers With A Speeding Ticket | $33 | $83 | -49% | 1 |
| Drivers With Bad Credit | $57 | $141 | -56% | 1 |
| Drivers With Low Income | $37 | $90 | -53% | 1 |
| Adult Drivers | $28 | $70 | -47% | 1 |
| Drivers With Newer Cars | $39 | $98 | -37% | 1 |
| Drivers With Old Cars | $27 | $68 | -43% | 1 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
USAA Car Insurance Rates by State
USAA's monthly rates vary from $13 to $130 across states. The company ranks within the top five most affordable options for 48 out of 51 states and territories. See USAA's affordability and pricing in your area below.
| Alabama | $29 | $73 | -36% | 2 |
| Alaska | $26 | $64 | -40% | 1 |
| Arizona | $38 | $85 | -39% | 1 |
| Arkansas | $23 | $66 | -44% | 1 |
| California | $50 | $110 | -30% | 2 |
| Colorado | $32 | $94 | -38% | 2 |
| Connecticut | $35 | $75 | -52% | 2 |
| Delaware | $44 | $93 | -52% | 2 |
| District of Columbia | $35 | $73 | -57% | 1 |
| Georgia | $36 | $76 | -47% | 1 |
| Hawaii | $18 | $53 | -39% | 1 |
| Idaho | $15 | $38 | -54% | 1 |
| Illinois | $37 | $76 | -24% | 3 |
| Indiana | $18 | $43 | -51% | 1 |
| Iowa | $17 | $60 | -40% | 1 |
| Kansas | $17 | $56 | -55% | 1 |
| Kentucky | $40 | $76 | -44% | 1 |
| Louisiana | $55 | $130 | -45% | 1 |
| Maine | $20 | $44 | -43% | 1 |
| Maryland | $29 | $64 | -61% | 1 |
| Massachusetts | $28 | $76 | -28% | 1 |
| Michigan | $35 | $77 | -44% | 2 |
| Minnesota | $26 | $75 | -34% | 1 |
| Mississippi | $28 | $68 | -46% | 1 |
| Missouri | $20 | $58 | -58% | 1 |
| Montana | $15 | $65 | -49% | 1 |
| Nebraska | $23 | $75 | -34% | 3 |
| Nevada | $47 | $98 | -38% | 1 |
| New Hampshire | $26 | $58 | -33% | 1 |
| New Mexico | $29 | $66 | -43% | 1 |
| New York | $43 | $86 | -29% | 5 |
| North Dakota | $15 | $45 | -54% | 1 |
| Ohio | $18 | $49 | -45% | 1 |
| Oklahoma | $22 | $70 | -50% | 1 |
| Oregon | $38 | $81 | -31% | 1 |
| Pennsylvania | $26 | $78 | -37% | 2 |
| Rhode Island | $34 | $71 | -46% | 1 |
| South Carolina | $30 | $81 | -44% | 2 |
| South Dakota | $16 | $76 | -33% | 3 |
| Tennessee | $25 | $61 | -43% | 1 |
| Texas | $26 | $66 | -57% | 1 |
| Utah | $31 | $69 | -49% | 1 |
| Vermont | $15 | $44 | -44% | 1 |
| Virginia | $28 | $60 | -41% | 1 |
| Washington | $27 | $76 | -35% | 1 |
| West Virginia | $23 | $62 | -48% | 1 |
| Wisconsin | $19 | $54 | -40% | 1 |
| Wyoming | $13 | $48 | -44% | 1 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
USAA Car Insurance Discounts
USAA offers 14 car insurance discounts, with average savings of up to 60% depending on your military status, driving habits and coverage choices. Available exclusively to military members, veterans and their families. Check out its offerings:
Multi-Policy/Bundle | Variable | Bundle auto with home, renters, or life insurance | Available nationwide |
Multi-Car | Variable | 2+ vehicles on same policy | Available nationwide |
SafePilot Telematics | Up to 30% | Download mobile app to track driving habits including speed, braking, phone use, time of day | Available in select states |
Safe Driver | Up to 30% | Maintain clean driving record for 5+ years with no accidents or major violations | Available nationwide |
Good Student | Up to 10% | Full-time students under 25 with 3.0+ GPA (B average) | Available nationwide |
New Vehicle | Variable | Vehicle less than 3 years old | Available nationwide |
Anti-Theft Device | Variable | Vehicle equipped with qualifying anti-theft system | Available nationwide |
Annual Mileage | Variable | Drive less than 12,000 miles per year | Available nationwide |
Vehicle Storage | up to 60% | Vehicle stored long-term (especially during military deployment) | Available nationwide |
Military Installation | Up to 15% | Vehicle stored on military base (comprehensive coverage only) | Available nationwide |
Family/Legacy | Up to 10% | Children of USAA members under age 25 getting own policy | Available nationwide |
Length of Membership | Variable | Long-time USAA customers | Available nationwide |
Away from Home Student | Variable | Unmarried, full-time students under 29 living 100+ miles from home without vehicle | Available nationwide |
Defensive Driving | Variable | Complete USAA-approved defensive driving course | Available nationwide |
USAA Car Insurance Customer Reviews and Reputation
USAA earns first place in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer feedback highlights the company's exceptional agent service and user-friendly digital platform, though some policyholders report longer-than-expected claim resolution times.
Buying Process Experience
USAA's purchasing process is exclusively digital or phone-based, with no physical agents or offices. The online quote system caters to military families, accommodating unique circumstances like deployments and frequent relocations. Customer service representatives know military life and clearly explain coverage options. The process moves faster than traditional insurers since representatives don't need to explain basic military terminology or situations.
Policy Management
USAA's mobile app and website rank among the best in the industry, with military-specific features like deployment suspension options and overseas coverage management. Members can easily adjust coverage when moving between states or deploying internationally. The digital tools handle complex military scenarios that often confuse other insurers' systems. Policy changes are processed quickly, and the platform integrates well with other USAA financial products many members use.
Claims Experience
USAA consistently ranks highly for claims satisfaction, with representatives who understand military life and deployment challenges. The mobile app includes advanced features like virtual damage assessment and real-time claim tracking. Claims can be handled remotely, which benefits military families who may be stationed far from repair facilities. The company's financial strength means claims are processed quickly, and members report minimal disputes over coverage decisions.
USAA Car Insurance Industry Customer Satisfaction Ratings
USAA ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are USAA's scores from industry agencies.
AM Best Financial Strength | A++ (Superior) | A++ to D- | Highest rating; exceptional ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | aaa | aaa to d | Highest credit quality rating for USAA and subsidiaries |
S&P Global Financial Strength | AA | AAA to D | Very strong financial security characteristics |
Moody's Financial Strength | Aa1 | Aaa to C | Excellent grade with very low credit risk |
J.D. Power Auto Claims Satisfaction | 726/1,000 | 1,000-point scale | Above average but not ranked due to not meeting the criteria |
J.D. Power Digital Service Experience | 732/1,000 | 1,000-point scale | Would rank 1st but doesn't meet ranking criteria |
J.D. Power Auto Insurance Shopping Study | 732/1,000 (N/R) | Out of 1,000 | Would place 1st overall but doesn't meet ranking criteria |
J.D. Power Overal Customer Satisfaction | 749/1,000 | Out of 1,000 | Would place first in almost every region but is not ranked |
NAIC Auto Complaints | 0.72 | 1.00 is average | Fewer complaints than expected |
USAA Car Insurance Reddit and Forum Customer Satisfaction
USAA members on Reddit and online forums consistently praise the company's exceptional customer service, competitive rates and outstanding claims handling, with many highlighting the organization's genuine care for military families and seamless digital experience. However, the main limitation is eligibility; only military members, veterans and their families can join, leaving many civilians wishing they had access to USAA's highly rated service.
We've compiled feedback from military forums and communities to show you what USAA members actually experience:
Pricing and Value
Competitive rates with fewer surprise increases, especially valuable given the high level of service:
"USAA isn't always the absolute cheapest, but when you factor in their service quality and claims handling, it's incredible value. I've never had a bad experience in 15 years as a member."
Claims Processing
Consistently excellent claim experiences with fast, fair settlements:
"Totaled my car on a Friday night and USAA had an adjuster out Saturday morning. Fair settlement, no hassles and they even helped coordinate the rental car pickup. This is why I tell every military friend to switch."
Customer Service
Exceptional customer service that genuinely understands military lifestyle and challenges:
"Called USAA while deployed overseas about a billing issue. Not only did they fix it immediately, but the rep thanked me for my service and asked if there was anything else they could help with. You don't get that anywhere else."
Digital Experience
The USAA mobile app receives outstanding ratings with 4.8 out of 5 on the Apple App Store and 4.7 out of 5 on Google Play. Members consistently praise the app's functionality and ease of use:
"USAA's app is hands down the best I've used. Deposit checks, pay bills, file claims, chat with customer service, everything works perfectly and it's incredibly user-friendly."
"Love that I can handle everything through the app. Even filed a minor fender bender claim completely through mobile and had approval within hours. Makes dealing with insurance actually pleasant."
Trust and Reputation
Unmatched loyalty and trust among members, with many viewing USAA as more than just an insurance company:
"USAA isn't just my insurance company, they're part of the military family. When my husband deployed, they automatically adjusted our coverage and rates. They get what military life is like." Unmatched loyalty and trust among members, with many viewing
Coverage Options
Comprehensive coverage options with military-specific benefits and flexible policies:
"USAA offers standard coverage plus military-specific add-ons that other companies don't understand. Stored vehicle coverage for deployments, overseas protection. They think of everything."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
USAA Car Insurance Coverage Options
USAA provides standard coverage options like other top insurers, featuring liability, comprehensive and collision protection. Additional add-ons from the company include:
Car Replacement Assistance (CRA) | Pays 120% of your vehicle's actual cash value if totaled or stolen, providing extra money for replacement | Pays actual cash value plus 20% extra; available for fully owned vehicles or USAA-financed cars; requires comprehensive and collision |
Total Loss Protection | Covers the difference between what you owe on your loan and your car's actual cash value if totaled | Average cost $40 per year; only available for USAA auto loans; functions like gap insurance; deductible still applies |
Accident Forgiveness | Prevents rate increases after your first at-fault accident if you meet eligibility requirements | Free after 5 years accident-free with USAA; otherwise costs average $59 per year; applies to whole policy (including teens) |
24/7 Roadside Assistance | Towing (first 50 miles free), jump-starts, fuel delivery, tire changes, lockout service, stuck vehicle assistance | Average cost $18 per year; available 24/7 nationwide; can request service via mobile app; negotiated rates even without coverage |
Fills coverage gaps when driving for Uber, Lyft, DoorDash or other ride-sharing/delivery services | Available in most states (excludes Hawaii, Michigan, Montana, North Carolina, New Mexico, New York, South Carolina, Virginia) | |
Covers rental car costs while your vehicle is being repaired after a covered claim | Average cost $53 per year; easy Enterprise reservations via app; choose coverage level for different vehicle types | |
Glass Coverage | Comprehensive windshield and glass repair/replacement coverage | Available with comprehensive coverage; robust glass repair network; full coverage in select states |
Other USAA Insurance Coverage Options to Consider
Here are other insurance options beyond auto coverage you can bundle together or buy separately:
Who Offers It? | Insurance Products |
|---|---|
USAA (Directly Offered) | Auto insurance, home insurance, renters insurance, condo insurance, travel trailer insurance, boat insurance, personal umbrella insurance, valuable personal property insurance, term life insurance, whole life insurance, universal life insurance, personal property insurance, identity fraud protection, banking services, investment services, retirement planning |
Third-Party Partner | Motorcycle insurance, ATV/off-road vehicle insurance, snowmobile insurance, RV/motorhome insurance, pet insurance, travel insurance, health insurance, dental insurance, vision insurance, critical illness insurance, accident insurance, cancer insurance |
USAA Auto Insurance Review: Bottom Line
USAA is a reliable and reasonably affordable insurance provider with an extensive selection of add-on coverage options. Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
USAA Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about USAA car insurance:
Does USAA insurance have a good reputation?
Yes, USAA is a legitimate car insurance company that secured our top overall ranking in our car insurance provider analysis. USAA particularly excels in affordability and customer experience categories.
Where is USAA the best car insurance company?
USAA is the best car insurance company in 46 out of 51 states and territories including:
- Oklahoma
- Colorado
- Mississippi
- Vermont
- Delaware
- Nevada
- Louisiana
- West Virginia
- South Carolina
- New Mexico
- Hawaii
- Arkansas
- Missouri
- Connecticut
- District of Columbia
- Iowa
- Indiana
- Massachusetts
- Rhode Island
- Ohio
- Michigan
- Minnesota
- Pennsylvania
- Washington
- Wisconsin
- Montana
- Kentucky
- Arizona
- Illinois
- Virginia
- Maryland
- Georgia
- Wyoming
- Utah
- New Hampshire
- North Dakota
- Nebraska
- Maine
- California
- Tennessee
- Kansas
- Texas
- Oregon
- Idaho
- Alaska
- Alabama
How much does USAA car insurance cost on average?
USAA charges adults an average of $379 annually for minimum coverage and $924 for full coverage. Annual rates range from $376 to $3,461 for minimum and $898 to $8,247 for full coverage.
Is USAA known for denying claims?
Customer feedback indicates USAA faces criticism for claim denials, with policyholders reporting rejections for legitimate damages including water damage and vehicle repairs. Some customers describe lengthy approval processes and disputes over coverage interpretations, though comprehensive industry data on denial rates remains limited.
Note: This represents limited information based primarily on forum reviews.
Is USAA a good option for high-risk drivers?
USAA ranks as the most affordable option for all high-risk driver categories, making it an excellent choice for drivers with DUIs, accidents, speeding tickets or bad credit.
Does USAA raise car insurance rates over time?
Yes, USAA raises car insurance rates over time due to inflation impacting repair costs, increased claims from distracted driving and rising vehicle technology expenses.
Is USAA good for young drivers?
Yes, USAA maintains competitive rates over time. However, USAA is an excellent choice for young drivers, ranking first for overall affordability with rates significantly below national averages.
How We Rated USAA Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "USAA Ratings and Reviews." Accessed September 18, 2025.
- Google Play. "USAA - Apps on Google Play." Accessed September 18, 2025.