USAA Car Insurance Review

Our USAA car insurance review finds that USAA specializes in providing quality insurance and financial products to current and retired military members and their families. USAA provides its members with high-quality auto insurance and a long list of driver discounts. Compare USAA auto insurance rates with other companies using our free tool below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Nov 17, 2020

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USAA specializes in providing quality insurance and financial products to current and retired members of the military and their families. The company was founded on the military values of service, loyalty, honesty and integrity, which continue to remain intact and guide the company today, and “USAA stands ready to serve.” The company is proud of its members, and back in 1924, established its motto, “Service to the services.”

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USAA History

USAA was founded by a group of 25 Army officers in San Antonio, Texas, who got together to provide auto insurance for each other when no other resources were available. Founded in 1922, the company has grown to over 8 million members strong and provides a full range of financial products and services to members of the military along with their families.

Major Walter Mueller purchased the first auto insurance policy in 1922, for $140.74. The company survived the depression, and decades later has continued to provide quality insurance products to its military family. USAA has been named as one of the best companies for working mothers and Latinas in the United States. It has also won J.D. Power and Associate’s Chairman’s Award and has had its IT programs honored by Computerworld, CIO and InformationWeek.

USAA was also the only insurance company invited to take part in the Department of Defense’s Survivor Assistance Center and has continued to win many awards over the past few decades generating profits even when other companies were posting record losses. USAA has also made Fortunes list of “America’s Most Admired Companies” and is committed to serving the financial needs of the nation’s military, veterans and their families.

USAA Products

USAA provides its members with high-quality auto insurance. The company also provides several other financial products and services to its members, and combining products can save members additional money. USAA offers the following additional types of coverage and services:

  • Homeowners Insurance
  • Life Insurance Coverage
  • Health Insurance
  • Travel Insurance
  • Solutions for Medicare
  • Long Term Care insurance
  • Annuities
  • Retirement Planning Services
  • and more

USAA can cover just about any need its members have, and also provides a number of other types of specialty insurance including business insurance and even insurance for special events, such as weddings, reunions, carnivals and seasonal events such as pumpkin patches.

Community Service

USAA invests in the community and the environment. The company has established the USAA foundation to give back to communities with gifts of time and monetary grants. The company’s employees and retirees participated in raising over $14 million to invest into building communities. Additionally, USAA employees and retirees volunteered over 400,000 hours to community programs in 2009, and also gave almost $6 million of donations to the United Way in 2009.

Financial Strength

USAA continues to remain profitable, in spite of the recent turmoil in financial markets. Standard & Poor’s rating agency has affirmed USAA’s excellent financial standing by awarding it an AAA rating for financial strength. This represents an extremely strong financial standing for the company, and is the highest of 21 different ratings.

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How much are USAA Car Insurance Rates?

The California Department of Insurance performs an insurance survey annually to compare the cost of auto insurance provided by different companies. When running a scenario for USAA insurance, based on a single 40-year-old man, living in southern California, driving a Honda Accord at 10,000 miles or less each year, with a clean driving record, the estimated cost of insurance annually is $983 for standard coverage. This compares to the national average for auto insurance of $1,439 for 2011.

How to save money with USAA Car Insurance Discounts

USAA provides its members with a long list of driver discounts, vehicle-related discounts and other savings for members. Driver discounts include safe driver discounts, a discount for taking a defensive driving course, and discounts for a child’s good grades and completion of a basic driver’s training course. Vehicle discounts include lower rates for cars that are three years old or less, drivers who put fewer miles on the car each year, multi-car policies and discounts for stored vehicles. Additionally, USAA will reward members with an additional $50 discount for requesting their quotes and purchasing a policy online.

USAA Customer Service Review

USAA has been named number one customer service champ more than once by Business Week magazine. USAA goes out of its way to help its customers, giving them the best in class service by putting their needs first. Over 96 percent of all active duty officers are members of USAA. Additionally, over 44 percent of all enlisted personnel are members of USAA.

USAA has walk-in financial centers for members who prefer to work face-to-face and receive assistance or advice on auto insurance and other products. Additionally, the company will even set up a face-to-face, real-time video conference with a representative from USAA’s member services for assistance on more complex products such as life insurance and mortgages. The company’s website offers resources for understanding its products, as well as an easy-to-use online quoting system.

Finding the Best Deals on Car Insurance

Getting the best deal on car insurance is not as hard as it sounds. Each car insurance company uses its own methods to evaluate customers and set insurance premiums, so prices can vary between companies even for the same person. The good news is that the easiest way to save money is to shop around. Many of the larger companies like USAA provide quotes online, usually in less than 10 minutes. Start a car insurance comparison search today and find affordable car insurance rates by comparing quotes from multiple providers online.

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