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What is USAA Auto Insurance : Best for Military Families

USAA offers financial services and insurance products to military personnel and their families. Generous discounts and knowledgeable customer service representatives help the company stand out, but coverage is limited to USAA members only. Industry Position95 Affordability95 Coverage95 Affordability95 Customer Service100Online Experience95ProsAccident Forgiveness Flexible Payment Plan Family, Loyalty, Mileage Memberships and Other Discounts Excellent Condition of Service on Requests Mobile App Limited Service Delivery Criteria 96

United Services Automobile Association USAA auto insurance provides active duty, veterans, and immediate family members with a variety of standard and special military vehicle coverage options. In this article, we’ll take a look at USAA auto insurance reviews, policy options, discounts, pricing, and more.

Our team has conducted thorough research of each of the best car insurance companies in the industry, studying the pricing process, evaluating coverage, and customer reviews. Read to learn more about USAA auto insurance, or fill out the form below to get free auto insurance quotes from top providers in your area.

USAA overview

USAA is one of the best auto insurance providers in the industry. It is known for its affordable rates and wide range of coverage options (including accident forgiveness), and USAA auto insurance reviews are overwhelmingly positive. However, coverage is not available to every driver. USAA insurance is only available to members of the military and their immediate families.

Although USAA does not have physical offices available to the public (there are a few places on military bases), its customer satisfaction rating is still high. In customer satisfaction surveys conducted by JD Power, USAA regularly tops the list of auto insurance companies. The auto insurer also boasts an A++ (Superior) rating from AM Best and an A- from the Better Business Bureau (BBB).

The company is currently headquartered in San Antonio, Texas, and offers auto insurance as well as renters insurance, homeowners insurance, life insurance, and more.

USAA auto insurance coverage options

USAA truly tailors its coverage to the unique demands of military life. USAA auto insurance has been serving military families for almost a century, from special extended benefits to employee car storage discounts.

Here are your USAA auto insurance options:

  • Liability insurance. Required in most states, it covers personal injury, death, and property damage if you are at fault in the collision.
  • Comprehensive Insurance: A plan for non-collision or rollover damage. Certain non-standard equipment, including third-party parts, is also covered.
  • Collision Insurance: Protect your vehicle in the event of an accident or rollover, no matter who is at fault.
  • Insurance for Uninsured/Underinsured Motorists: Choose protection against bodily injury or property damage in the event of a collision or collision caused by a driver with or without poor insurance.
  • Extended Insurance Coverage: This covers employee and service employee disability benefits and death benefits. To get extended benefits, you must purchase medical benefits coverage.
  • Personal Injury Protection (PIP): Get coverage up to a certain amount for funeral expenses, income retention, loss of service expenses, and child care.
  • Rideshare coverage: USAA is one of the few service providers that ensure Uber, Lyft, and other rideshare drivers while they wait for a ride claim.

If you are looking for additional coverage, USAA offers standard roadside assistance and car rental reimbursement. We especially like his accident forgiveness guide, which you won’t find in some of the competitions. Accident forgiveness is granted after five years without incident or violation. If you cause an accident after this time, your insurance premiums will not increase.

One disadvantage of USAA coverage is that some special benefits are limited to where you live. For example, extended benefits coverage may not be available in your state.

Another limitation is USAA membership requirements. USAA auto insurance is only available to the following individuals:

  • Spouses of USAA members
  • Children and stepchildren of USAA members
  • Officer candidates from ROTC, OTS/OCS, or academy
  • Active retired, or honorably discharged officers and members of the armed forces
  • Widows, widowers, and former unmarried spouses of USAA members who joined during the marriage

Cost and discounts for auto insurance in the USA

The most recent NAIC data lists the following average car insurance prices by country.

  • Liability insurance : $566.51
  • Collision insurance : $342.40
  • Comprehensive Insurance : $153.32

USAA ranks #1 in customer satisfaction in terms of affordability, according to JD Power, making it popular with veterans and military families. USAA cuts prices even further by offering a range of driver discounts and rate plans based on the following factors:

  • Good student. Get a discount for good grades.
  • New car. If your car is less than three years old, you will receive a discount.
  • Loyalty. The longer you work with USAA, the more you save on insurance premiums.
  • Miscellaneous Vehicle: Expand your plan to two or more vehicles and get a discount.
  • Car Storage: Get up to 60% off your car storage.
  • Annual Mileage: Get a discount on fewer miles per year on a usage-based pricing plan.
  • Safe driver. Improve your rating if you keep a good driving record for five or more years.
  • Driving Courses: Take a USAA Defensive Driving Course (or Basic Driving Course if you’re under 21) at a discounted rate.
  • Family Discount. Adult children of USAA members can save up to 10 percent on auto insurance by continuing to provide USAA auto insurance coverage.
  • Military Equipment Installation Discount: Save up to 15% on comprehensive insurance plans if you store your vehicle in a military base garage.

Your insurance rates will also depend on factors such as your age, gender, driving experience, and vehicle.

USAA Claims Process

The only thing that ranks as highly as USAA’s reach and accessibility is customer service and the claims process. We give USAA Customer Service a 100 percent rating for overall satisfaction. USAA auto insurance reviews often praise customer service representatives for their professionalism and quick responses.

While USAA does not have regular offices, customers can still communicate effectively by phone or the Internet. When you request a car insurance quote, the online quote system is simple and fast. The USAA mobile app allows USAA members to check their insurance policy information, request a quote, and download insurance certificates.

Customers also have several payment plan options, including a six-month or 12-month payment plan. There is also no need to pay at the beginning of the policy.

Based on our research, we give USAA auto insurance a 100 percent rating for total claims and customer service. USAA auto insurance is the best on the market for military families.

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