USAA SafePilot Review for 2021

USAA SafePilot evaluates your driving habits. Safe driving can save you up to 20% but poor driving doesn’t raise your auto insurance rates. The USAA SafePilot program uses an app to monitor factors like location, distracted driving, hard braking, and the time of day you drive. It’s important to note that only members of the military and their families are eligible for USAA and SafePilot.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 11, 2021

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A Concise Overview

  • SafePilot will give you up to a 20 percent discount on your auto insurance renewal
  • You get an additional five percent discount just for signing up
  • USAA is only offered to members of the military, veterans, and their families

The USAA SafePilot program offers usage-based insurance discounts. It uses an app to monitor your safe driving habits, and your discount is based on the score you receive for your driving. The better you drive, the more you save.

You may be able to get affordable USAA SafePilot auto insurance, but you should still shop around to make sure you’re getting the best deal out there. Enter your ZIP code now to compare prices from multiple companies.

What is USAA SafePilot?

USAA SafePilot monitors a variety of driving habits and then rates them according to how safe of a driver you are.

Although you can’t get a specific USAA SafePilot auto insurance quote, depending on your score, you can get up to a 20 percent discount at your next renewal. Then the process starts over again for the next year.

The habits that are monitored are:

  • Location
  • Time of day
  • Hard braking
  • Hand-held and hands-free calling
  • Phone handling
  • If you are the passenger or driver

What this means for you is that if you are using your phone, drive during peak hours, or brake hard because someone pulls out in front of you, your score and discount will go down.

It is not a bad thing to point out your distracted driving habits, however. The CDC estimates that more than 2,800 individuals were killed in 2018 and almost 400,000 were injured by distracted driving.

Ending distracted driving habits can have a major effect on teen driver safety as well as adults.

How much you save is completely up to you. Safer driving equals a better discount.

However, be aware that the app is always running the background on your phone. This can lead to battery and data issues, as well as privacy concerns. USAA does maintain that they only use your data for informational purposes, and they never sell it.

USAA is also working on SafePilot being used as an accident detection device. This means that it can take the data from the app and pinpoint when an accident occurs.

As the technology expands, the app will be able to gather more information about a crash.

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Is SafePilot worth it?

There are pros and cons, as in any telematics application. Pros include that it is free, simple to use, can save you money on your USAA SafePilot auto insurance rates, and can make you more conscious of your driving habits.

The only downsides are that it uses your battery and data, tracks your driving, and is only available to military, veterans, and family members.

USAA SafePilot program reviews are generally good, although some people complain that it is difficult to differentiate between being a driver and passenger.

There are multiple similar programs, such as GEICO DriveEasy or Progressive Snapshot. Before you buy USAA SafePilot auto insurance, shop around. Enter your ZIP code to compare quotes today.

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