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Save Thousands on Your USAA Car Insurance

Nicholas Hinrichsen - Published: June 1, 2023

You can lower your monthly premium on your USAA car insurance and save $900 every year / $75 every month through getting a free quote in 2 minutes. You are a great candidate for lowering your insurance premium if (a) you haven’t changed your insurance carrier in the last 12 months and/or (b) if you improved your credit and/or (c) if you paid off your car loan.

Instead of continuing to pay your USAA policy why not get a free quote from other auto insurance companies now and save thousands in minutes without any changes to your insurance coverage.

Manage My USAA Insurance


Our goal is to help you build financial strength by comparing car insurance companies. We wrote in-depth car insurance reviews so you can compare the different carriers, lower your monthly payments and get the lowest insurance rate possible. If you’re looking for ways to manage your USAA insurance, you must be trying to achieve one of the following things:

Manage Insurance / Auto Policy

Go to 'Log On to Continue' provide Online ID and Password and you’ll be able to edit, update or change your insurance settings.

File or Manage a Claim

When trying to file or manage a claim, you can select one of four options. File an auto claim, property claim, roadside assistance claim or auto glass claim. On this page, you can also find COVID-19 related questions and answers as well as general FAQs.

Explore Rideshare Coverage

If you want to use your car for ridesharing, your standard USAA auto insurance won’t apply. Through a USAA ridesharing GAP coverage policy, you can insure yourself while transporting passengers or transporting goods for delivery.

USAA insurance offers a number of different methods to manage your insurance policy or pull up your id card via a mobile app:

If you just want to stay in touch with USAA and know what’s going on, connect with USAA in one of the following engaging ways:

Cancelling your USAA Insurance Policy

You can cancel your USAA insurance policy via the iPhone / Android app, the website or over the phone through customer service at (800) 531-8722. The whole process will take no longer than 3 minutes.

You might also explain that you're leaving because you're getting lower auto insurance quotes elsewhere. Often, insurance carriers are willing to negotiate when they know they'll lose you otherwise.
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Background on USAA


USAA stands for United Services Automobile Association, which is a Fortune 500 financial services company for Americans who serve, or served, in the United States Armed Forces. USAA’s roots go back to San Antonio where in 1922 a group of 25 army officers sought to self-insure their automobiles.

Other insurance companies found that members of the U.S. armed forces were a high-risk population. Insurance premiums were therefore very high. Since then, USAA has transformed to a huge, diversified financial services company offering both insurance as well as banking services.

USAA now has become a preferred carrier for Americans who are on active duty, military members and their family members.

USAA Insurance Products


USAA has a variety of insurance products meant for the benefit of its members/customers and policyholders. These primarily span across the following categories:

Automobile Insurance: These policies are meant to cover both liability and property damage for owned vehicles. The policies vary widely with regard and you need to pick whatever suits your needs best, e.g. number of miles you drive, whether or not you want collision coverage and comprehensive coverage, whether or not you want rental reimbursement and whether or not you want coverage for underinsured or uninsured motorists. We’ll go into more details and how to obtain car insurance quotes below.

Home and Property Insurance: These policies are meant to cover both liability and property damage for a residents primary dwelling. This includes both renters insurance and homeowners insurance/home insurance, condo insurance as well as coverage for personal property or rental properties including but not limited to boat insurance, personal property insurance, valuable personal property, umbrella insurance etc.

Life Insurance: These policies are meant to give your loved ones financial benefits in the event of your death.

Insurance Contact USAA


Should you need to contact USAA’s customer service team (be it for to file insurance claims or for general customer service related questions), you have three options to proceed:

  • You can call USAA toll-free at (800) 531-8722
  • You can email USAA by using the email form at the bottom of the Contact US page at www.usaa.com
  • You can send USAA a letter to USAA, 9800 Fredericksburg Rd, San Antonio, TX 78288, United States

A USAA representative will get back to you within 24 - 48 hours.

USAA Ratings, Reviews and Complaints


USAA has a number of ratings and reviews. The most reliable resources to an independent and unbiased description from customers and employees can be found on the following four pages:


We find that consumers should take these reviews and complaints with a grain of salt. Usually, primarily upset customers feel the necessity of going through the effort of leaving a written review. We therefore recommend looking for patterns within USAA’s customer reviews more so than interpreting individual reviews too deeply.

Have you had a negative or positive experience worth sharing? If so, we encourage you to document your USAA experience on one of the above pages. Other prospective customers and USAA employees will thank you for the transparency and generous use of your time.

Insurance Costs, Quotes and Discounts from USAA


Getting a Quote: To get a quote, you can apply directly through USAA here. Filling out a quote requires having a USAA login and then answering a few basic questions about you, the members in your household, your vehicles, and your driving record. You can receive a quote either online, on the phone, or through a local branch.

USAA Auto Insurance Costs: USAA proposes to save members/customers an average of $642 when compared to other insurance providers. When independently compared to other insurers (e.g. via US News) USAA saved the average member $236 compared to the next best national insurer (Geico). Depending on your driving record, the table below is a great reflection of what costs to expect on average.

6 Month Average Premium Monthly Average Premium
Average Price $534 $45
Driver w/ At-fault Accident $642 $54
Driver w/ Good Credit (670+) $546 $46
Driver w/ Bad Credit (<580) $1014 $85
Driver w/ Speeding Ticket $548 $46

Insurance Discounts Available: There are several discounts USAA offers drivers for the auto insurance policy:

  • Family Discount (available for dependents that were formerly on their families plan)
  • Length of Membership (available for more than 1 vehicle insured under 1111)
  • Military Installation (reductions in premium for comprehensive coverage)
  • No Payment Plan Fees
  • Safe Driver (if you maintain a good driving record for more than five years)
  • Defensive Driving (if you choose to improve your driving skills with an approved course)
  • Driver Training (if you’re a driver younger than 21 and have completed a basic driver training course)
  • Good Student Discount (if you’re a student and maintain good grades)
  • New Vehicle Discount (discounts available for a car that's not more than 3 years old)
  • Multi-Vehicle discounts (Get extended coverage on two or more vehicles and save money)
  • Premier Driver Discount
  • Annual Mileage (for lower-than average miles, pay lower than average rates)
  • Vehicle Storage (save up to 60% for a stored vehicle).

USAA Bundling Discounts: USAA proclaims to offer a 10% discount to members who bundle home and auto insurance policies. To qualify the auto policy must be in place prior to the home policy. It should be noted that some other national insurance companies (such as Allstate) offer discounts of up to $. Yet when independently reviewed, USAA still often had the lowest cost for bundled home and auto policies.

Other Insurance Brands Related to USAA


USAA has grown into a huge financial services conglomerate. Brands related to USAA include but are not limited to the following:

Property and Casualty Insurance

  • United Services Automobile Association
  • USAA Casualty Insurance Company
  • USAA General Indemnity Company
  • Garrison Property and Casualty Insurance Company
  • USAA County Mutual Insurance Company
  • USAA Limited
  • USAA S. A.

Life Insurance and Annuities

  • USAA Life Insurance Company
  • USAA Life Insurance Company of New York
  • USAA Life General Agency, Inc.
  • USAA Financial Planning Services Insurance Agency, Inc. (known as USAA Financial Insurance Agency in California)

Investments

  • USAA Investment Services Company

Banking

  • USAA Federal Savings Bank Member FDIC
  • USAA Savings Bank (USAA Credit Cards) Member FDIC
  • USAA Residential Real Estate Services, Inc.
  • USAA Acceptance, LLC
  • USAA Acceptance III, LLC
  • USAA Mortgage Solutions

Shopping and Discounts

  • USAA Alliance Services

Questions People also ask about USAA


Our goal has been to provide you with a wide range of content so you can learn more about USAA without having to browse through different websites. While talking to our insurance customers, we frequently heard and answered the following question about USAA:

Who Qualifies for and Should Get USAA Car Insurance?


USAA membership is not open to the public. The following list summarize who can join USAA auto insurance:

  • Active military
  • Retired and honorably separated officers
  • Enlisted personnel of the U.S. military
  • Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS)
  • Adult children (18+) of USAA members
  • Widows / widowers of USAA members

The obvious next question is, who should get USAA car insurance? Members of the U.S. military are not automatically USAA members. You have to actively sign up and choose one of their products. The reasons why you should USAA are multifold. In general, USAA offers a wide range of financial services and can be your one-stop shop for banking and insurance.

Is USAA good insurance?


Overall, USAA is a top insurance carrier. USAA's customer base is known for being very loyal to the brand and taking advantage of the wide range of USAA's products and services. USAA is a premium product with premium service. If you’re trying to get the best deal on insurance possible, USAA is probably not your best choice.

Is USAA Flexible With Payments?


The answer is short and sweet: yes, USAA offers flexible payment plans. Life can happen and especially during the COVID-19 pandemic, a lot of Americans face competing financial obligations. USAA’s flexible payment plans can be tailored to your personal salary or pay-schedule so you never miss a payment.

USAA’s standard payment plans are the Six-Month Policy and the 12-Month Policy. On both of these policies, you can choose to either pay 100% of the premium upfront against a discount or pay your premium in monthly installments.

Does USAA Offer Accident Forgiveness?


USAA will not raise your premium after an at-fault accident if you have been accident free for five consecutive years. USAA’s accident forgiveness program is rather generous. Sadly, USAA does not offer its accident forgiveness program nation-wide. The following states are excluded from the program, likely for regulatory reasons: California, Connecticut, Delaware, New York and North Carolina.

Other insurance carriers raise your premium significantly when you are involved in an accident caused by negligence. Other insurance carriers are even worse: they won’t accept you as a customer if you don’t have a completely clean accident history.

Compare to other insurance carriers


To make it easy for you, we reviewed a number of carriers in the same format. We find it very hard to compare insurance companies apples-to-apples. Therefore, take a look at our reviews:


Saved money on USAA done! Now save on your loan!

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