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Serving American military members and their families since 1922, USAA has grown into a competitive provider of financial services and insurance products. After researching a variety of auto insurance companies, we rated USAA as one of the best options you can find, for more than just their incredibly affordable rates. Use this outline to see what we discovered when comparing USAA auto insurance to other companies.
What kind of auto insurance does USAA offer?
USAA offers the standard coverages you might need for your auto insurance policy, such as bodily injury liability, property damage liability, collision coverage, and comprehensive coverage. The company also offers numerous additional coverage options such as uninsured/underinsured motorist coverage, medical payments coverage, personal injury protection, GAP insurance, and more.
How much are USAA auto insurance quotes?
The USAA insurance company that it’s a shame that non-military customers aren’t eligible for it. Our research found that across the board USAA is often the least expensive option for various demographics. Read about USAA car insurance quotes and the cost of getting insured.
How can you save on car insurance from USAA?
On top of having affordable rates for car insurance, USAA offers plenty of discounts to its customers. From savings for safe drivers and good students to discounts for new vehicles and low mileage, USAA customers can lower the cost of their insurance policy in several different ways. Find out all the details of USAA car insurance discounts and ways to save.
- Safe Driver Discount
- Multi-Vehicle Discount
- Military Installation Discount (for when your car is parked at a military base)
- Multi-Policy Discount (bundle your auto policy with a homeowners policy/renters insurance or USAA life insurance policy)
- Defensive Driving Course Discount
These are just a few examples; there are many more ways for military families to save by choosing USAA as their auto insurance provider.
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Customer Reviews of USAA Auto Insurance
Drivers with USAA car insurance are happy customers. Our research found that, on average, customers are pleased with the cost, customer service, and claims process for USAA car insurance. That’s why we rated USAA car insurance five out of five stars—our highest rating. Find out why USAA car insurance deserves its glowing customer reviews.
Car Insurance Coverage Available from USAA
Founded in 1922, USAA built its company on the pillars of service, loyalty, honesty, and integrity. Today, it provides retirement, banking, investment, and insurance services for the men and women who serve in the United States military. Read on for more information about what coverage you can expect from USAA and where you can get it, or click your state below to learn more about the cheapest companies near you.
Where You Can Get USAA Car Insurance: Market share represents the percentage of customers that a company attracts compared to its competitors. In USAA’s case, it has the highest market share—or popularity—in the following states:
| Rank | Market Share | ||
|---|---|---|---|
| Alaska | 3 | 17.17% | |
| Hawaii | 3 | 12.67% | |
| Virginia | 3 | 12.77% | |
| DC | 4 | 8.79% | |
| Colorado | 5 | 9.05% | |
| Florida | 5 | 6.59% | |
| Georgia | 5 | 7.68% | |
| Maryland | 5 | 7.77% | |
| South Carolina | 5 | 8.10% | |
| Alabama | 6 | 6.22% | |
| Arizona | 6 | 7.13% | |
| Delaware | 6 | 6.81% | |
| Kansas | 6 | 5.18% | |
| Montana | 6 | 6.13% | |
| New Hamshire | 6 | 4.98% | |
| New Mexico | 6 | 8.32% | |
| Oklahoma | 6 | 5.97% | |
| Texas | 6 | 7.62% | |
| Kentucky | 7 | 4.52% | |
| Louisiana | 7 | 4.82% | |
| Maine | 7 | 4.05% | |
| Mississippi | 7 | 4.60% | |
| Nevada | 7 | 5.56% | |
| North Carolina | 7 | 7.33% | |
| North Dakota | 7 | 3.98% | |
| Oregon | 7 | 4.81% | |
| Tennessee | 7 | 5.33% | |
| Vermont | 7 | 4.38% | |
| Washington | 7 | 7.70% | |
| Wyoming | 7 | 5.39% | |
| Arkansas | 8 | 4.49% | |
| California | 8 | 4.43% | |
| Idaho | 8 | 4.86% | |
| New Jersey | 8 | 3.56% | |
| New York | 8 | 2.75% | |
| Rhode Island | 8 | 5.15% | |
| Utah | 8 | 4.39% | |
| Connecticut | 9 | 4.03% | |
| Illinois | 9 | 2.12% | |
| Minnesota | 9 | 2.73% | |
| Pennsylvania | 9 | 3.12% | |
| South Dakota | 9 | 3.72% | |
| West Virginia | 9 | 3.35% | |
| Michigan | 10 | 2.41% | |
| Nebraska | 10 | 3.90% |
Market share data is not available for all states, including Massachusetts.
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States Where USAA Sells the Most Policies: Because market share and the total number of policies sold are not the same, it’s also relevant to know where USAA sells the most policies.
| Premiums Written in 2014 | |
|---|---|
| Texas | 1,243,538 |
| California | 963,937 |
| Florida | 959,060 |
| Virginia | 601,933 |
| Georgia | 482,228 |
| North Carolina | 359,131 |
| Washington | 322,703 |
| Maryland | 316,650 |
| New York | 316,020 |
| Colorado | 301,601 |
What Types of Insurance You Can Get from USAA: USAA offers the expected suite of car insurance products, including liability, comprehensive and collision, medical payments, and more. Like with all insurance companies, the company offerings will start with your state’s minimum coverage requirements[state insurance link]. For most of these coverage types, USAA offers affordable insurance for drivers and their families.
USAA also offers life, flood, and home insurance for members who own houses, condos, and townhomes.
Want to learn more about what these coverage types mean and if they are right for you? Check out these frequently asked questions:
- Liability Coverage
- Bodily Injury Liability Coverage
- Comprehensive and Collision Coverage
What are our favorite USAA features?
During our analysis, we uncovered a number of qualities we admired about USAA and its auto insurance coverage. Here is what stood out:
- Roadside assistance. Many policies include towing service to the nearest repair facility, gas delivery, tire replacement, battery service, and more.
- Flexible payment plans. USAA policies work with your military payroll schedule.
- The USAA Car Buying Service. Allows you to buy a vehicle at discounted rates through approved manufacturers. Since its inception, more than 900,000 cars have been sold to USAA members. In addition to the discounts offered, you can earn rewards points when you use your USAA Rewards™ credit card.
- Tech-friendly service. USAA’s mobile app helps you manage your policy from anywhere.
- Education resource center. Here you’ll find plenty of articles that could help you drive safely, keep up with car repairs, and learn more about insurance coverage.
- Affordable teen driver options. With plans for cheap roadside assistance coverage (as little as $2 a month), you can keep your teen safer on the road.
- Special teen driver program. USAA’s Automatic LicenseTM app coaches your teen when they start learning to drive. Free to eligible members, it gathers driving data on your teen throughout a 100-hour program.
Is USAA a smart choice for auto insurance?
USAA auto insurance is an excellent choice for those who can get it (military members and their families). From affordable monthly rates to plentiful discounts and glowing customer reviews, we could hardly recommend USAA more. This is a company that takes military life into consideration with the wide variety of coverages and deals offered. If you’d like to start shopping for rates and get a USAA car insurance quote, call us at [mapi-phone-link/] or get a quote online in minutes. We’ll set you up with an independent insurance agent who can help you get the right insurance for your needs.