USAA, an acronym for United Services Automobile Association, is the premier insurance provider for former and current military members and their families. Through its free membership, members can qualify for a range of insurance products, including auto insurance.
Business Insider compared USAA auto insurance to the best auto insurance companies and found it to be a terrific option if you're eligible for membership. Car insurance through USAA is competitively priced and offers numerous discounts, with potential savings of up to $725 per year by switching, according to the company website. Plus, you can get auto insurance coverage through USAA across the U.S. in all 50 states, including the District of Columbia and some international locations.
USAA Auto Insurance Pros and Cons
USAA Auto Insurance Pros
- Exclusive discounts for military members and their families
- Strong customer satisfaction ratings
- Wide range of coverage options in all 50 states, including Washington, D.C.
- Personalized service from local agents
- Financially strong and stable company
- User-friendly mobile app
USAA Auto Insurance Cons
- Only available to military members and their families
- Rates may be higher than some competitors for non-military members
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- Low rates for eligible buyers
- Coverage is available in all 50 states and Washington, DC
- Auto policies can be bundled with other insurance plans and financial products
- Only available to military, veterans, and their families.
- Claims may take longer than with some other providers
USAA Auto Insurance could be a great option if you're a current or former military member; no one else is eligible. Coverage is available in all 50 states, and premiums are generally affordable.
USAA Auto Insurance- USAA auto insurance is open to the military, veterans, and their families
- Discounts for safe driving and more
These are the main USAA car insurance options to choose from if you're looking for standard coverage. However, you can also expand your benefits by choosing one of the optional coverage types.
Additional Coverage Options (Riders) From USAA Car Insurance
To round out your car insurance benefits, you can look into optional coverages available through USAA. These include:
- Roadside assistance: If you want to make sure you have someone to help you if you need a tow or a jumpstart, getting Progressive Auto Insurance car insurance has many of the same coverage options as USAA but also has a unique additional coverage option called custom parts and equipment value. This can help you cover costs for any custom parts you added to your vehicle. So, if you've made changes to your vehicle, this can be an attractive option.
Progressive also has a unique deductible savings account bank feature, which can help lower your deductible if you don't file a claim during a specified period. You can also use Progressive's Name Your Price tool to see what options are within your budget.
USAA and Progressive both offer bundling discounts, but USAA estimates up to a 10% discount, whereas Progressive estimates an average of 4% savings, so USAA may be better for bundling.
Read our how Business Insider rates auto insurance.
FAQs
How do you reach USAA car insurance customer service?
To reach a USAA car insurance customer representative, call the main number at 800-531-8722. Business hours are Monday through Friday from 6 a.m. to 10 p.m. CT and Saturday 8 a.m. to 8 p.m. CT. Customer service is not available on Sundays or holidays.
How do you qualify for USAA car insurance?
You can qualify for USAA membership and take advantage of affordable car insurance and other products by serving in the military. Current and former military members, spouses, and children are eligible for free USAA membership.
Is USAA a good option for affordable car insurance?
USAA provides competitive car insurance rates for military members who qualify. Additionally, USAA has many discounts available that may lower premiums for customers.
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