USAA Auto Insurance Review: Should you buy in 2024?

USAA’s rates are 35% lower than the national average, but only those with a military affiliation are eligible for coverage.

UPDATED: Sep 19, 2024Fact Checked

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

UPDATED: Sep 19, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 19, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 19, 2024Fact Checked
4.7
buyautoinsurance.com

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

USAA

Average Monthly Rate For Good Drivers

$63

A.M. Best Rating:

A++ (Superior)

Complaint Level:

Low

Pros

  • USAA auto insurance is usually the cheapest option on the market for all demographics
  • The USAA mobile app receives mostly positive reviews and allows you to manage your account easily
  • USAA offers a good selection of add-ons and discounts

Cons

  • USAA has strict membership requirements
  • SafePilot, USAA’s usage-based insurance program, is not the best option on the market
  • USAA struggles with an increasing number of customer complaints
Most car insurance companies let anyone purchase a policy, but USAA only sells to military members and their families. Although USAA offers affordable rates and highly-rated coverage, you won’t be able to buy a policy without meeting its membership requirements. For people who qualify, USAA offers some of the most affordable rates on the market. From your state’s minimum requirements to full coverage auto insurance, USAA is almost always the cheapest option for insurance. Aside from car insurance, USAA also sells a variety of other insurance products, as well as banking, loans, and retirement services. USAA aims to be a one-stop-shop for all things finance for military members. Read on to learn more about USAA and if it’s the right option for your insurance needs. Then, compare rates with as many companies as possible to ensure you get the best policy.

Although USAA has strict membership requirements, it’s considered one of the best insurance companies in the country. As long as you are an active or retired military member or a close family member, you should check if USAA auto insurance meets your needs.

However, you should still research other options. Even though USAA usually has the lowest rates, you might find a better price with another company. Comparing multiple auto insurance quotes is the best way to ensure you find the most affordable coverage.

What You Should Know About USAA

Although it’s often hard to say if a company is overall good or bad, USAA makes the task easy. It’s a good insurance company. USAA would top most lists of the best insurance companies if it didn’t have such strict membership requirements.

USAA combines excellent customer service, quality products, and affordable rates into policies most customers renew yearly.

An integral part of how well a company performs is its financial strength. A.M. Best rates companies on their financial stability, and USAA earned its highest rating of A++. That means you won’t have to worry about USAA being unable to pay any claims you might make in the future.

Does USAA have good customer service?

USAA usually does well in customer satisfaction surveys, with many customers renewing their coverage every year. Some customer reviews report that representatives treat them courteously and resolve issues quickly.

However, USAA is plagued with numerous complaints about its customer service. Many USAA policyholders complain that representatives are hard to contact and give them the runaround during claims.

The National Association of Insurance Commissioners (NAIC) rates companies on the number of complaints they receive compared to their size. The national average is 1.0, with higher numbers meaning the company gets more complaints.

USAA currently has a 1.95, meaning it gets nearly double the complaints compared to similar companies. USAA’s NAIC rating has been on an upward trend, which means the company has been steadily getting more complaints.

Despite its NAIC rating, USAA receives favorable reviews from J.D. Power. Although USAA is ineligible for a ranking due to its eligibility requirements, it remains a top-rated company.

If you’d like to talk to someone about a customer service-related issue, you can call the USAA car insurance phone number to speak with a representative.

Does USAA have good claims handling?

USAA might struggle a bit with customer service, but it does well with its claims-handling process. According to J.D. Power, USAA is one of the top companies for claims satisfaction.

You have several options to file USAA claims. The easiest way is to use the mobile app, where you can upload pictures of any damage caused to your car. While wait times for claims processing are usually a few weeks, USAA says you might have an estimate after four hours if you use the photo tool.

Another option is to access your account online and fill out the form. This option isn’t as fast, but it is easy, and you don’t need all your information to get started.

Finally, you can call the USAA claims phone number and speak with a representative to start a claim. Unfortunately, there aren’t many physical locations, so you’ll need to call the USAA claims number if you want to speak with someone.

Does USAA give back to its community?

Aside from offering affordable coverage for military members, USAA also strives to give back to its communities.

USAA works with charities to promote the following goals with national and local organizations:

  • Education
  • Families in need
  • Workforce development
  • Natural disaster response
  • Arts and culture
  • Diversity and equality
  • Veteran services

USAA also allows organizations to petition the company for donations by offering USAA employees to donate directly. USAA then matches its employee’s contributions, dollar for dollar.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

USAA Insurance Coverage Options

All major car insurance companies sell enough coverage for you to meet both your state’s minimum insurance requirements and full coverage.

Most states require a minimum amount of insurance before legally driving or registering a car. Except for Virginia and New Hampshire, all states require liability insurance. Several others require either uninsured motorist or personal injury protection insurance.

No state requires full coverage, but you’ll probably need it if you have a car loan or lease. As its name suggests, full coverage offers a complete package of protection for your car.

In order to meet your needs, USAA sells the following types of coverage:

  • Property damage liability. As the first half of liability insurance, this covers damage you cause to other people’s cars, buildings, and other property.
  • Personal injury liability. This part of liability insurance pays for injuries you cause in an at-fault accident. Liability insurance does not cover your medical bills or repairs to your car.
  • Collision. Collision insurance pays for repairs to your car after an accident It also pays for damage if you hit a stationary object like a tree.
  • Comprehensive. To get coverage for things like weather, fire, animal contact, theft, and vandalism, you need comprehensive car insurance.
  • Uninsured/underinsured motorist. If a driver without insurance hits you, you’ll need uninsured motorist insurance to pay for your car’s repairs. It also covers you if you’re the victim of a hit-and-run.
  • Personal injury protection/medical payments. These insurances help pay for medical bills for you and your passengers after an accident. The type you can buy depends on the state you live in.

When you’re in the market for full coverage, you’ll need every type of insurance listed above. However, you’ll probably only need liability insurance if you’re looking for your state’s minimum coverage. You don’t need to worry about knowing your state’s exact requirements — a USAA representative can help.

Does USAA sell car insurance add-ons?

Although the basic types of car insurance offer solid protection for your car, USAA offers add-ons to increase the value of your policy.

You can select the following options for your USAA policy:

  • Roadside assistance. If you find yourself stranded on the side of the road, USAA will send help with things like towing, fuel delivery, jump starts, and locksmith services.
  • Rental reimbursement. If your vehicle is stuck in the mechanic shop after a covered event, USAA will reimburse you part of the cost for a rental car.
  • Accident forgiveness. Selecting this add-on will protect you from increased rates after your first accident. USAA offers accident forgiveness for free to any driver who goes five years without an accident.
  • Rideshare. Lyft and Uber drivers can buy a rideshare add-on to protect themselves while working when their personal car insurance doesn’t cover them.
  • Classic car. American Collectors and USAA work together to offer specialized coverage for classic and collectible vehicles.
  • Car replacement assistance. USAA offers an additional 20% on top of your car’s actual cash value if it’s declared a total loss.
  • Glass coverage. If your windshield can be repaired instead of replaced, USAA will waive the deductible.

Although some of its competitors offer more customization options, most customers are satisfied with USAA’s selection. Most USAA members also enjoy the special perks that come with their policies.

Do USAA car insurance policies come with extra features?

USAA insurance requires membership. While you won’t see special features specifically for car insurance, your USAA membership qualifies you for a variety of special perks, including:

  • Goodyear tires. Members save up to 30% on new Goodyear tires.
  • Member travel. You get access to some of the lowest rates for cruises and get dining credits, drink packages, and shore excursions.
  • Rental cars. Budget offers USAA members a 35% discount for car rentals and a free upgrade.
  • Member theme park deals. USAA members get access to a variety of theme park deals, like $80 off a ticket to Disney World.
  • Cashback offers. You’ll get cash back at specific stores and restaurants.
  • Fitness and health. USAA offers gym memberships for just $25 a month.
  • Hotels. Members get up to 25% off at certain hotels, and some bookings can earn you $250 towards a future cruise.

Other USAA member benefits vary throughout the year, so you’ll never run out of ways that USAA can help you save. Not only does USAA offer members great deals, but it also helps them save on car insurance.

What other types of insurance does USAA sell?

USAA insures nearly everything important in your life, usually at some of the cheapest rates on the market. As a bonus, you’ll probably earn a bundling discount if you buy multiple policies from USAA.

Available policies include:

  • Boat
  • Motorcycle/ATV/UTV
  • Classic car
  • Aviation
  • Bicycle
  • Mobile home/renters/condo/motorhome
  • Valuable personal property/collectibles
  • Life/annuity
  • Health/Medicare
  • Dental/vision
  • Landlord
  • Personal or business umbrella
  • Small business
  • Commercial auto
  • Farm/ranch
  • Pet
  • Travel

Unlike other insurance companies, USAA does not write every type of insurance it sells. Instead, most of USAA’s policies for sale are written by partners. For example, Cigna and IHC write USAA’s dental plans, while American Collectors handles classic car policies.

USAA also offers a variety of banking and financial services to help military families manage their money. With a USAA membership, you’ll gain access to loans, investments and mutual funds, retirement advice, and credit cards.

USAA Insurance Rates Breakdown

Insurance companies look at a variety of factors to craft your rates. Everything from your age and gender to your credit score impact how much you’ll pay for coverage.

USAA usually offers the lowest rates for car insurance, no matter what demographic you look at. While there are many ways to determine who has the lowest insurance rates, it’s a good idea to start with coverage levels. Below, you can get an idea of how much USAA might charge you for minimum and full coverage insurance.

Monthly Minimum vs. Full Coverage Rates for the Top 10 Auto Insurance Companies

Insurance CompanyAverage Minimum Coverage RatesAverage Full Coverage Rates
Allstate$50$166
American Family$49$116
Farmers$57$140
Geico$24$82
Liberty Mutual$64$177
Nationwide$49$120
Progressive$40$109
State Farm$34$91
Travelers$39$107
USAA$20$63
National Average$45$123

Compare RatesStart Now →

You might notice that some states have much lower rates than others, especially for minimum insurance. Some states require more insurance than others, which usually raises its overall rates. Other states have higher risks of extreme weather or accidents, which also drives up rates. See minimum insurance required by state for full details.

USAA Insurance Rates by Age and Gender

Another good place to start in your search for affordable prices is with your age and gender. Insurance companies keep careful track of claims numbers and know that young, inexperienced drivers and men file more claims on average.

Young drivers are more likely to engage in reckless behaviors like interacting with passengers or using their phones while driving. They also lack the know-how to deal with some dangerous situations they’ll eventually encounter.

Similarly, men are more likely to engage in bad driving habits, especially by engaging in road rage or driving under the influence.

For these reasons, young men pay some of the highest rates for car insurance. However, your rates will eventually lower as you get older, as long as you keep your driving record clean. Likewise, the gap between genders also lessens with age.

USAA offers relatively low rates for teen drivers, and the gap between males and females isn’t too noticeable at 16. The gap between genders becomes more noticeable for 18-year-olds, but rates for older drivers are practically the same. For more details, see buy cheap auto insurance for teenagers.

USAA Insurance Rates for Low Credit Scores

Unless you live in Massachusetts, California, or Hawaii, insurance companies use your credit score to determine your rates.

Your credit score plays into your insurance rates for two reasons. First, insurance companies — and many other service providers — assume that people with higher scores pay their bills on time.

The second reason has to do with statistics. Insurance companies track who makes claims by their credit score, and people with low scores are more likely to file a future claim.

People with lower credit scores can pay up to 60% more for insurance than people with higher scores. However, some companies are more forgiving than others. Check below to see how USAA rates look compared to other companies.

Average Monthly Auto Insurance Rates by Credit Rating

Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit
American Family$203$136$116
Farmers$269$161$139
Geico$148$100$82
Liberty Mutual$357$226$176
Nationwide$165$132$120
Progressive$206$137$109
State Farm$200$117$90
Travelers$194$127$107
USAA$129$76$63
Allstate$296$196$166
Average$226$148$123

Compare RatesStart Now →

Although USAA offers relatively low rates, you might find better prices at Nationwide or GEICO, see Nationwide auto insurance review or Geico auto insurance review for more details. Before you write USAA off, though, remember that these numbers are just average prices. You might still find that USAA offers the lowest rates for your situation.

If your rates are higher than you’d like due to a low credit score, you should know you won’t be stuck with them forever. If you can raise your credit score, your rates will drop.

For more details, see buy cheap auto insurance for drivers with bad credit.

USAA Insurance Rates After Traffic Incidents

Most people know that their car insurance rates increase after an at-fault accident, but did you know other traffic violations affect them too?

Statistically speaking, people with one traffic incident on their driving record will probably add another in the future. To protect themselves financially, insurance companies charge more after a variety of traffic violations.

You can check what USAA rates look like after various traffic violations, but keep in mind that different infractions increase your rates at different percentages. For example, a speeding ticket increases your rates by about 23%, while driving with a suspended license increases rates by about 62%.

Average Monthly Rates for the Top Insurance Companies After an Accident

Insurance CompanyRates with an AccidentRates with a Clean Record
Allstate$237$166
American Family$166$116
Farmers$198$140
Geico$132$82
Liberty Mutual$236$177
Nationwide$165$120
Progressive$190$109
State Farm$107$91
Travelers$157$107
USAA$996$63
Average$176$123

Compare RatesStart Now →

USAA offers rates much lower than the national average after most traffic tickets. For example, the national average after an at-fault accident is $181 monthly, while USAA’s price is $117.

Average Monthly Rates for the Top Insurance Companies After a Traffic Ticket

Insurance CompanyRates with a TicketRates with a Clean Record
Allstate$195$166
American Family$131$116
Farmers$176$140
Geico$107$82
Liberty Mutual$217$177
Nationwide$145$120
Progressive$143$109
State Farm$102$91
Travelers$148$107
USAA$859$63
Average$1,818$123

Compare RatesStart Now →

Just because your rates increase after a traffic ticket doesn’t mean you’ll pay that price for the rest of your life. If you keep your driving record clean of additional tickets, your rates will return to normal after about three years.

For more details see cheap auto insurance companies that accept drivers with multiple accidents.

USAA Insurance Rates After a DUI

Does auto insurance cover DUI accidents? While some traffic violations affect your rates slightly, DUIs can double your rates. Some companies drop customers after a single DUI, and drivers with multiple charges often need to buy from a high-risk car insurance company.

If you get a DUI charge, it’s imperative that you compare rates with multiple companies, even if you already have a policy. It’s difficult to tell which companies offer the lowest rates after a DUI without comparing quotes.

Average Monthly Rates for the Top Insurance Companies After a DUI

Insurance CompanyRates with a DUIRates with a Clean Record
Allstate$303$166
American Family$177$116
Farmers$191$140
Geico$213$82
Liberty Mutual$325$177
Nationwide$252$120
Progressive$146$109
State Farm$124$91
Travelers$230$107
USAA$1,335$63
Average$218$123

Compare RatesStart Now →

Once again, USAA offers some of the cheapest rates. USAA’s rates after a DUI are so affordable that every driver who qualifies for membership should request a quote.

Like with traffic violations, you won’t be stuck with high DUI rates forever. However, DUIs take much longer to clear your driving record. On average, you’ll be stuck paying higher prices for about seven years.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

USAA Discounts Available

One of the most important things to look for when shopping for a policy is how many auto insurance discounts a company offers. Insurance can get pricey quickly, but finding the right discounts can help keep your rates low.

To help military members and their families save money, USAA offers the following discounts:

  • Defensive driver. Drivers who pass an approved defensive driving course can earn this discount.
  • Safe driver. USAA rewards policyholders who spend five or more years avoiding traffic incidents.
  • Driver training. You can cut your insurance rates by passing a driver’s education or training course.
  • New vehicle. USAA offers lower rates if you add a brand-new car to your policy.
  • Good student. Full-time students under 25 who maintain a 3.0 GPA earn a discount from USAA.
  • Multi-vehicle. If your household has more than one driveable car, you’ll get lower rates for both if you insure them on the same policy.
  • Vehicle storage. USAA will lower your rates if you plan to store your car for an extended period. You’ll see even deeper savings if you leave your vehicle on a military base.
  • Family. Young drivers who start an individual policy after being on a parent or guardian’s will earn discounted rates.
  • Loyalty. USAA rewards its long-term customers with insurance savings.
  • Low mileage. You’ll see lower rates if you drive less than 12,000 miles a year.
  • Multi-policy. USAA sells a lot more than car insurance. You can lower your rates by buying multiple policies from USAA.
  • Pay in full. Drivers who pay for their entire policy at once and skip the monthly payments will earn a small discount.

USAA might offer fewer discounts than companies like Farmers and American Family, but there are still plenty of ways to save. However, if simple discounts aren’t enough to lower your insurance, you should consider SafePilot.

SafePilot by USAA

SafePilot is USAA’s usage-based insurance program. Today, most of the larger companies offer a usage-based program. Also known as telematics insurance, these plans offer significant savings in exchange for monitoring your behavior.

So, how does SafePilot stack up to its competitors? USAA offers a decent 10% discount for signing up for SafePilot, and drivers have the opportunity to save an additional 30% by practicing safe driving behaviors.

To determine how much you should save, SafePilot tracks the following behaviors:

  • Touching your phone
  • Harsh braking
  • Making hands-free phone calls
  • What time you drive
  • Speeding
  • How much you drive

SafePilot gets decent reviews, but it’s not the best usage-based insurance because you can’t make hands-free phone calls. Most other telematics programs do not hold phone calls against you as long as you’re not holding your phone.

A common complaint about SafePilot is that the app doesn’t always work the way it should. For example, many drivers report frustration getting the app to recognize when they are a driver or a passenger. It’s also only available in 37 states, so you might not be eligible for coverage.

On the positive side, USAA promises that your rates will never increase from using SafePilot. It’s only used to calculate discounts.

For more details, see USAA SafePilot review.

Frequently Asked Questions

Who is eligible for USAA membership?

USAA membership is available for two groups of people. The first is active or retired military members. The second are spouses and children of military members, though the person who served must open a USAA account first.

How do you get a USAA insurance quote?

Getting USAA auto insurance quotes is usually a simple task. The easiest way is to start an online application. You can also call the USAA auto insurance phone number if you’d rather speak with a representative.

How do you contact USAA?

You can visit the company’s website and fill out the online contact form or call USAA’s customer service line at 1-800-531-USAA (8722). The company’s mailing address is 9800 Fredericksburg Rd., San Antonio, TX, 78288.

What states does USAA sell car insurance in?

You can buy USAA car insurance in all 50 states and Washington D.C.

How do you file a claim with USAA?

USAA makes filing claims easy. Your first option is to use the USAA mobile app, where you can submit picture evidence of your claim. You can also fill out the online form or call the USAA insurance phone number and speak with a representative.

Does USAA offer GAP coverage?

USAA does not sell GAP coverage or loan/lease payoff insurance. Instead, it offers protection from underwater loans in its Total Loss Protection coverage. Only members who get their car loan from USAA are eligible for Total Loss Protection.

Does USAA have SR-22 insurance?

USAA can submit your SR-22 forms to your local DMV, but your rates will likely increase when you need them. Make sure you let USAA know when you no longer need SR-22 forms so you’ll no longer be charged for them.

How do you cancel your USAA policy?

Unfortunately, you can’t cancel your USAA policy online or through the app. Instead, you’ll need to speak with a representative. You might be eligible for a refund if you paid for your entire policy rather than making monthly payments.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for USAA

4.71 (6,435 reviews)
1
April 25, 2024

AnTonyC

Active Duty and Veterans Beware!

I am so disappointed in USAA. They offer auto insurance in Hawaii but do not offer Homeowner's insurance. They refer members to American Modern Insurance Group, whose services are substandard. USAA should not refer members to a company that provides substandard services.
1
January 19, 2024

Poteattony

Usaa not so great anymore

These guys dropped me based on my adult daughters driving record even thought my wife and i have a perfect driving record and will not renew or communicate even though both daughters are adults and are moved out of my home! Thanks for looking our for your vets usaa! Ive been a member and have had insurance banking etc with them for 14 yrs but im out now! Theses guys really do not have any loyalty
1
December 21, 2023

ioam

Customer service got bad

I have been a member with USAA for nearly 10 years now. I have received exceptional service in the past, but recently I am very disappointed with their service. My vehicle was deemed a total loss 3 times during my claim/repairs, it has been in repair status for 3 months, I was only reimbursed for 6 days of rental coverage, the adjusters including the manager are unresponsive and communication is unnecessarily drawn out. USAA refused to communicat...
I have been a member with USAA for nearly 10 years now. I have received exceptional service in the past, but recently I am very disappointed with their service. My vehicle was deemed a total loss 3 times during my claim/repairs, it has been in repair status for 3 months, I was only reimbursed for 6 days of rental coverage, the adjusters including the manager are unresponsive and communication is unnecessarily drawn out. USAA refused to communicate with the mechanical shop and the body shop, which made my life very difficult. I was doing their work to ensure the parties are getting paid, that my vehicle is being moved from shop to shop, and I had to frequently call USAA to receive any kind of status update. At one point they actually closed my claim as "resolved" simply because they claimed I was not responding... I was furious about that. They reopened my claim a day later because I was checking emails, the claims communication center and my phone daily. Meanwhile, I signed a new lease when I was informed the first time that my vehicle is totaled, moved out of state and now have to have my vehicle shipped to me. From all USAA employees in the claim process, I feel ignored, misinformed, and not treated as a valued customer. I am writing this review because trying to resolve this matter internally has led to no results and at this point, I do not recommend USAA to potential new members, especially when I am paying $250 monthly to be insured for anything that may come my way...
4
October 2, 2023

Sandy_H

Unresolved billing issue for months

Wow, after being a USAA member for decades, I can't get them to resolve a billing issue that's ongoing since September 2022. I've made 15+ calls, more than 40 hours if our time, sometimes talking to 2 or 3 representatives per call, supervisors, and EVERY TIME, you have to start over because you can't talk to the same person twice, EVER. No one can help, Supervisors don't return calls if you're lucky enough to reach one after 45 minutes on hold, a...
Wow, after being a USAA member for decades, I can't get them to resolve a billing issue that's ongoing since September 2022. I've made 15+ calls, more than 40 hours if our time, sometimes talking to 2 or 3 representatives per call, supervisors, and EVERY TIME, you have to start over because you can't talk to the same person twice, EVER. No one can help, Supervisors don't return calls if you're lucky enough to reach one after 45 minutes on hold, and still, the billing problem persists. Extremely disappointed and you can't send an email or tell anyone. Maybe this public post will provide some relief.
1
September 26, 2023

davidwells

USAA: Always hire a lawyer

Always hire a lawyer when dealing with USAA. Here are the tactics USAA uses to avoid paying your car claim. 1. Ignore your phone calls and delay for months to wear you down 2.Make you manage their claim department to get things done 3.Each new person shows surprise that no one has called you back and promises to take care of it 4.Tell you that your 2022 claim was on an old system and only a few people can access that system 5.Play a game that the...
Always hire a lawyer when dealing with USAA. Here are the tactics USAA uses to avoid paying your car claim. 1. Ignore your phone calls and delay for months to wear you down 2.Make you manage their claim department to get things done 3.Each new person shows surprise that no one has called you back and promises to take care of it 4.Tell you that your 2022 claim was on an old system and only a few people can access that system 5.Play a game that the market value of a wrecked car is within $500 dollars of an unwrecked car. Go somewhere else.
1
June 17, 2023

chanelcinq

Completely incompetent

What a complete nightmare.  WORST COMPANY EVER. They are completely incompetent on every single level.  Please look at the reviews.  If you sort by most recent the first three pages ALL are 1 star except one 3 star and two 2 stars.  The rest are all 1 star so it is obvious they have declined.  It took them 5.5 weeks to total my car.  The agents don't call you back and basically, they don't do anything.  Nothing happened unless I called to ...
What a complete nightmare.  WORST COMPANY EVER. They are completely incompetent on every single level.  Please look at the reviews.  If you sort by most recent the first three pages ALL are 1 star except one 3 star and two 2 stars.  The rest are all 1 star so it is obvious they have declined.  It took them 5.5 weeks to total my car.  The agents don't call you back and basically, they don't do anything.  Nothing happened unless I called to move to the next step.  It took a week before they even towed my car from the accident site.  I called every day telling them my car was going to be towed away and they needed to move it.  When they towed it they towed it about 45 minutes away and across a bridge.  I am in a very populous place in San [REDACTED NAME] between San [REDACTED NAME] and San [REDACTED NAME] yet they towed my car to the East Bay.  Then it sat for 1.5 weeks.  I called again to ask what is going on and why there has been no appraisal after 2.5 weeks.   Once I called them, then I received a call back in 25 minutes the appraisal was done.  I asked the agent how he did it so fast and he said from photos.  Give me a break.  It was obviously NOT correct.  Then the car needed to be towed from this facility in the East Bay to my auto body shop.  I was told on a Wednesday that the paperwork to get the car out takes 72 hours and that takes it to Sat and it was Memorial weekend so the car would not arrive until the Tuesday after labor day.  Well, it actually arrived Wednesday the 7th of June.  So absurd.  The auto body shop did the estimate on Friday of that same week and we were in contact this past Monday.  They sent the estimate to USAA on Monday and today, Friday, I get a TEXT that the case is closed and my car is totaled.  And of course, my adjusted didn't answer her phone or call back.   I think they make money from totaling out the car. They told me I would get 17,194.00 if the car is totaled. The estimate from the auto body shop was for 13,506 and they still totaled it. I told USAA that the shop will work with me. USAA said if you decide to do a salvage you only get about 7,000. They said they sell my car for parts and if they cannot sell it, For example in the case of a salvage, they don't make any money so that is why the payout is less. All of it seems so shady. Why would there be a 10,000 difference? Things just do not add up. You have been forewarned to steer clear of this nightmare of a company.
1
May 31, 2023

HB23

Incompetent company

This is the most incompetent insurance company I’ve ever dealt with. My car was hit by one of their members and is still not fixed nearly 3 months later. Their excuse is that they don’t have their members statement. If they’re handling getting their members statement like they did mine then I’m not surprised. They made ZERO effort to get my statement, didn’t reach out once. The only reason they have my statement is because I called over...
This is the most incompetent insurance company I’ve ever dealt with. My car was hit by one of their members and is still not fixed nearly 3 months later. Their excuse is that they don’t have their members statement. If they’re handling getting their members statement like they did mine then I’m not surprised. They made ZERO effort to get my statement, didn’t reach out once. The only reason they have my statement is because I called over and over and over leaving multiple messages, that were never responded to. I finally got through to a person after many tries and gave them my statement even though they weren’t the person that was in charge of this claim. I would caution anyone against using USAA for their insurance seeing as how they clearly have no intention of paying out for a claim.
1
May 25, 2023

JonB36

USAA's exemplary service legacy has hit rock bottom.

USAA’s auto repair service has hit rock bottom. Unfortunately, I’m just one of many experiencing it: but I think I have uncovered a reason why. Once listed in “Consumers Reports” as the best all-around auto insurance provider, a year or so ago USAA made a decision which has led to long repair delays and absolute frustration for us their customers/members. And to top it off, USAA doesn’t seem concerned. If you don’t believe me, jus...
USAA’s auto repair service has hit rock bottom. Unfortunately, I’m just one of many experiencing it: but I think I have uncovered a reason why. Once listed in “Consumers Reports” as the best all-around auto insurance provider, a year or so ago USAA made a decision which has led to long repair delays and absolute frustration for us their customers/members. And to top it off, USAA doesn’t seem concerned. If you don’t believe me, just try to get someone from their claims department to answer or return your telephone calls when you need them to!! From my own recent auto repair experience and what I have been able to learn from other sources, USAA has replaced a large number of its in-house claims adjusters with a third-party firm called (I believe) "Snapsheet" to take over their claims adjusting process. Now, all auto repair estimates go directly from the repair facilities to this outsider company ...not to USAA...which reviews them, deals (negotiates) directly with the shops and then sends a “revalued version” to USAA. Only then will USAA issue a check and the go-ahead to start repairs. USAA now will do nothing until in receipt of Snapsheet’s, “approved” total. Time is no longer a consideration and there seems to be no limit to the number of times the shop has to revise its’ estimate in order to obtain Snapsheets’ approval. (In my case it has been four times so far.) According to a shop foreman I talked with who had been offered a job with them, Snapsheets employees do not have to be experienced adjusters; aren’t required to visit the facility or to examine the vehicle in question; and can form their estimates working from home if they wish. And Snapsheet is also free to “bargain” directly with repair facilities without USAA input. According to him the recruiter old him up front that Snapsheet is being hired to save USAA money, and that is of paramount importance. So, where does all this leave us, members and customers when everything comes to an impasse? Essentially, in limbo. We can’t talk to anyone at Snapsheet, and hardly any USAA adjusters answers or returns calls, even though their answering machine states their aim is to return calls within 4 hours. That claim should be erased!! Customer care????? Judging from numerous negative remarks I’m not alone. In my own case I haven't received any return calls and the repair shop has had their estimate returned four times now with a warning that if they do not concede to reduce their estimates to Snapsheets’ satisfaction they (Snapsheet) will not forward it on to USAA. In the meantime, my car sits there, broken and USAA seems oblivious or uninterested in intervening to get this impasse resolved. They won't even talk to the repair facility to sort things out! That's how poor their customer service has become! USAA’s recent ad campaign claiming to have the interests of veterans, service members and their families at heart...is something of a sad joke. But as a veteran and a long time member…. I’m not laughing!! Someone should remind USAA's leadership of the age-old business rule..."poor service leads to lost customers". At this writing, nothing has been resolved. The shop is thinking of throwing my car out of their lot. I'm totally frustrated and disappointed. For many years I have relied on USAA, but they are just not the same company today. Now its "buyer Beware!!" That's my 2 cents !!! JonB
1
May 4, 2023

Cvinny10_

Do NOT get this insurance

Worst experience. I got hit by someone with this insurance and it took them 7 weeks to total my car. We came upon an agreement for the amount I would be paid so I signed the title over and a week later they said they could no longer pay that amount. Please do yourself and the rest of us Americans a favor and do NOT get this insurance
1
February 25, 2023

CGN_Demandante

Damaged Rental Van Payoff

I returned a perfectly good rental van to Budget Rental during the summer, but they damaged it sometime afterwards. It was not even a small damage: there were dents all along the driver side door, the sliding door panel, and the trunk door. It was something that would not have been missed, if I returned the van in that condition. However, Budget Rental then filed a claim with USAA in 10/2022, a full 6 months later. It was blatantly fraudulent...
I returned a perfectly good rental van to Budget Rental during the summer, but they damaged it sometime afterwards. It was not even a small damage: there were dents all along the driver side door, the sliding door panel, and the trunk door. It was something that would not have been missed, if I returned the van in that condition. However, Budget Rental then filed a claim with USAA in 10/2022, a full 6 months later. It was blatantly fraudulent. After what I consider useless perfunctory online investigating, USAA just decided to just pay them off, and I am stuck with a higher insurance premium. USAA is a totally different insurance company from when I joined 40 years ago. Pretty disappointing.
↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://www.buyautoinsurance.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption