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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Superior financial strength rating
Top-rated customer service
Low rates for military members
Military-only eligibility
Limited in-person support
No diminishing deductible
Bottom Line: USAA offers exceptional value through affordable rates, great discounts, and excellent customer service. But coverage isn’t available to every driver, and the insurer takes a digital-first approach to customer care.
USAA stands out for customer satisfaction, strong financial backing, and exclusive benefits for military members. It offers flexible policy options and discounts through its SafePilot program, accident forgiveness, and bundling with products such as home insurance.
With an AM Best financial strength rating of A++ (Superior) and above-average J.D. Power scores, USAA consistently ranks among the top insurers for service and reliability.[1] USAA encourages member engagement in innovation and social responsibility, doubling down on its commitment to military and community support.
Here’s how USAA compares to its other car insurance companies on price, coverage, discounts, and more.
USAA delivers excellent value for eligible drivers, combining low rates, strong customer satisfaction ratings, and a well-respected industry reputation.
Below is a breakdown of how USAA performs across five key categories, scored on a 1-to-5 scale, to help you decide if it’s the right auto insurer for your needs.
Category  | Score |
|---|---|
| Cost | 5/5 |
| Customer satisfaction | 4.3/5 |
| Policy management | 4/5 |
| Availability | 4.7/5 |
| Industry reputation | 4.5/5 |
| Overall Score | 4.81/5 |
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $74/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $83/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $139/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $116/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $102/mo* |
Overall Rating 4.3 | Overall Rating 3.9 | Overall Rating 3.2 | Overall Rating 4.0 | Overall Rating 3.5 |
Value 4.9/5 | Value 4.0/5 | Value 3.3/5 | Value 4.2/5 | Value 3.8/5 |
Customer Service 4.4/5 | Customer Service 4.4/5 | Customer Service 3.6/5 | Customer Service 4.3/5 | Customer Service 4.2/5 |
Claims Handling 4.1/5 | Claims Handling 4.0/5 | Claims Handling 3.3/5 | Claims Handling 3.9/5 | Claims Handling 3.5/5 |
Special Highlight N/AAI-generated from 64 user reviews | Special Highlight N/AAI-generated from 288 user reviews | Special Highlight N/AAI-generated from 266 user reviews | Special Highlight N/AAI-generated from 238 user reviews | Special Highlight N/AAI-generated from 158 user reviews |
USAA offers some of the lowest average premiums in the auto insurance industry and consistently earns top customer satisfaction and usage-based ratings from J.D. Power.
Its AM Best financial strength rating of A++ (Superior), easy-to-use claims tools, and military-focused insurance products make it a standout choice for eligible drivers looking for excellent policy options, pricing, and customer experience.
USAA limits eligibility to military members, veterans, and their families. That means most drivers can’t get a policy from the company. The company also relies on its digital tools, which are great if you want more control over your policies but less fitting if you prefer working one on one with an agent.
Check quotes from 100+ top insurers.
Before choosing your auto insurance company, it’s a great idea to read customer feedback for real-world insights on pricing, coverage options, customer service, and claims handling. You can also uncover important information about the customer experience and tricky policy terms.
Below, you’ll find recent reviews from Compare.com customers who have or have had USAA auto insurance.
Car insurance premiums vary widely from driver to driver, even within the same company. Factors like your age, driving record, credit history, location, and vehicle all influence your car insurance premiums. That’s why it’s essential to compare average rates for drivers with similar profiles, not just the overall averages.
The table below shows USAA’s average monthly rates for full-coverage car insurance by driver type, according to Compare.com data.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $96 |
| Teens | $177 |
| Seniors | $75 |
| Recent ticket | $120 |
| Recent accident | $124 |
| DUI conviction | $145 |
| Excellent credit | $86 |
| Bad credit | $114 |
Protect your car and your wallet.
Where you live can significantly affect your car insurance premiums. State laws, minimum coverage requirements, local traffic density, and accident frequency all influence your risk level and rates.
How much coverage you buy also plays a major role. Liability-only policies typically cost less because they only cover damages you cause to others. Full-coverage policies cost more, as they include liability insurance plus collision and comprehensive protection for your own vehicle.
The map below shows USAA’s average liability and full-coverage rates by state, according to Compare.com data.
State | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | $58 | $93 |
| Alaska | $114 | $157 |
| Arizona | $115 | $147 |
| Arkansas | $56 | $100 |
| California | $80 | $180 |
| Colorado | $85 | $137 |
| Connecticut | $148 | $205 |
| Delaware | $95 | $129 |
| Florida | $${AUTO_CARRIER_USAA_LIABILITY_STATE_FL_PRICE} | $${AUTO_CARRIER_USAA_FULL_STATE_FL_PRICE} |
| Georgia | $122 | $167 |
| Hawaii | $79 | $174 |
| Idaho | $48 | $67 |
| Illinois | $85 | $131 |
| Indiana | $51 | $84 |
| Iowa | $40 | $73 |
| Kansas | $65 | $99 |
| Kentucky | $132 | $191 |
| Louisiana | $87 | $136 |
| Maine | $41 | $78 |
| Maryland | $157 | $200 |
| Massachusetts | $99 | $${AUTO_CARRIER_USAA_FULL_STATE_MA_PRICE} |
| Michigan | $61 | $106 |
| Minnesota | $73 | $103 |
| Mississippi | $44 | $71 |
| Missouri | $57 | $93 |
| Montana | $37 | $65 |
| Nebraska | $65 | $112 |
| Nevada | $93 | $125 |
| New Hampshire | $88 | $98 |
| New Jersey | $${AUTO_CARRIER_USAA_LIABILITY_STATE_NJ_PRICE} | $${AUTO_CARRIER_USAA_FULL_STATE_NJ_PRICE} |
| New Mexico | $132 | $182 |
| New York | $141 | $147 |
| North Carolina | $${AUTO_CARRIER_USAA_LIABILITY_STATE_NC_PRICE} | $${AUTO_CARRIER_USAA_FULL_STATE_NC_PRICE} |
| North Dakota | $26 | $38 |
| Ohio | $61 | $91 |
| Oklahoma | $58 | $102 |
| Oregon | $95 | $117 |
| Pennsylvania | $139 | $156 |
| Rhode Island | $105 | $134 |
| South Carolina | $67 | $103 |
| South Dakota | $51 | $113 |
| Tennessee | $58 | $99 |
| Texas | $104 | $166 |
| Utah | $62 | $85 |
| Vermont | $42 | $100 |
| Virginia | $84 | $132 |
| Washington | $${AUTO_CARRIER_USAA_LIABILITY_STATE_WA}_PRICE | $112 |
| District of Columbia | $215 | $291 |
| West Virginia | $74 | $97 |
| Wisconsin | $37 | $58 |
| Wyoming | $25 | $43 |
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When you get a quote, USAA lets you customize coverage levels, deductibles, and policy terms. You can also adjust your policy later online. USAA’s coverage options include standard protections and optional add-ons that cater to your specific needs.
Liability: Covers bodily injury and property damage to others if you’re at fault.
Collision: Pays to repair or replace your vehicle after a collision, with adjustable deductibles.
Comprehensive: Covers non-collision damage, such as theft, vandalism, and weather-related events. It also includes unique glass and pet coverages.
Uninsured/underinsured motorist: Protects you when the at-fault driver doesn’t have any insurance or enough coverage.
Personal injury protection: Available in some states, this covers medical expenses, lost wages, funeral costs, and more, with higher limits available.
Optional add-ons: The company offers roadside assistance, rental reimbursement, and rideshare coverage. And USAA’s car replacement assistance, similar to gap insurance, pays you 20% more than your car’s actual cash value if you total your vehicle.
USAA offers several discounts to help you lower your auto insurance rates. Here are 10 auto insurance discounts the company offers:
Bundling: You can save up to 10% when you combine your auto and homeowners or renters insurance through USAA.
Safe driver: If you maintain a clean driving record, you may qualify for this discount.
Defensive driving course: Completing a USAA-approved driver training course can lower rates.
Anti-theft device: Installing an approved anti-theft device on your car can earn you this discount.
Telematics: Enroll in USAA’s SafePilot program to save up to 30% off at renewal for safe driving.
Multi-vehicle: Insure two or more cars under one policy to reduce your overall costs.
Good student: Full-time students younger than age 25 with a B average or higher can save 10%.
New vehicle: You can get a discount when your car is less than three years old.
Stored vehicle discount: You can save up to 60% if you store your car on base during deployment.
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USAA’s digital-first claims process allows you to file and manage claims conveniently through the company’s mobile app, online dashboard, or by phone. Here’s how the claims process works:
Start your claim. Go online or open the USAA mobile app to report the incident, upload photos, and review your coverage details.
Schedule services. You can schedule inspections, rental cars, and repairs directly through the app or website.
Get real-time updates. Monitor your claim status 24/7 with real-time updates through the “my claims center.”
Contact customer support anytime. For policy options or coverage questions, you can contact customer service anytime through in-app messaging, by calling 1 (800) 531-8722, or by email.
File as a non-policyholder. If you don’t have a policy with USAA, you can still submit a claim online using your assigned adjuster’s contact information.
USAA's claims handling process offers speed and convenience, but drivers who prefer in-person help may miss the local agent support offered by other insurers.
Here’s a quick overview of USAA’s company background, organizational structure, and more.
Founded | 1922 |
|---|---|
| Available in | All 50 states |
| Owned by | Member‑owned |
| National average premium | $96 |
| Mobile app | Android, iOS |
| Customer service | 1 (800) 531-8722 |
| Claims | 1 (800) 531-8722 |
| Primary competitors | GEICO, Progressive, State Farm, Armed Forces Insurance (AFI) |
USAA offers usage-based programs that monitor your driving habits and award you discounts. SafePilot tracks your driving habits through its smartphone app and gives you an initial discount of up to 10%, with the potential to save up to 30% at policy renewal for safe driving behavior.
SafePilot Miles rewards low-mileage drivers with up to 20% off based on the miles you drive and for safe driving.
USAA’s accident forgiveness program rewards drivers with a five‑year claims-free driving history by waiving the premium increase after the first at‑fault accident.
Once earned, you don’t pay extra to keep it. Accident forgiveness applies automatically and has no annual fee. It’s available in most states, though the eligibility rules and availability can vary by location. In some states, forgiveness may be limited to one per policy versus one per driver.
You can find a range of insurance products with USAA and handle most of your insurance needs all in one place. USAA members can bundle coverage, simplify account management, and save money.
With USAA, you’ll find:
Homeowners insurance
Renters insurance
Condo insurance
Landlord insurance
High-value home insurance
Mobile home insurance
Term life insurance
Permanent (whole) life insurance
Valuable personal property (umbrella/add-on) insurance
Umbrella insurance
USAA also offers a 10% bundling discount on qualifying policies.
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Compare quotes from top insurers and save money in minutes.
Below are answers to some of the most common questions drivers ask about USAA, covering its auto insurance rates, customer satisfaction, and how it compares to other insurers.
Yes. USAA consistently earns high customer satisfaction ratings and strong reviews for customer service and claims handling. The insurer also maintains an excellent industry standing among national auto insurers.
The average monthly premium for a liability policy with USAA is $51 per month, while full coverage averages $96 per month, according to Compare.com data. Keep in mind that actual insurance pricing will vary based on factors like driving record, credit, coverage limits, and deductibles.
USAA isn’t that expensive compared to competitors. But your rates could be higher than average if your driving record, location, or credit history increases your risk profile, or if you choose higher coverage limits and lower deductibles.
The best auto insurer depends on your coverage needs, budget, and eligibility. That said, USAA is among the highest rated for customer satisfaction and customer experience — especially for military members.
USAA generally outperforms State Farm in customer service, claims satisfaction, and pricing for eligible drivers, but only military members and their families are eligible for coverage. State Farm is available to a wider range of customers nationwide and has more local offices and agents available to meet your needs.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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