USAA sells auto insurance and other financial services to eligible military members and their families. Though eligibility is limited, USAA\u2019s coverage options and features are wide ranging. <\/p>\n\n\n\n
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Jerry did not give USAA a star rating due to a lack of available data. Each year, Jerry revises its rating system and may rate this insurer in the future.<\/em><\/p>\n\n\n\n The United Services Automobile Association (USAA) is a military-focused financial services company headquartered in San Antonio, Texas, offering auto insurance in all 50 states and DC. Similar to a credit union, this company is member-owned, meaning members are given voting rights and dividend checks each year based on the company\u2019s earnings and expenses. Even with its membership limitations, USAA is currently the fifth-largest auto insurer in the country by market share, according to the National Association of Insurance Commissioners (NAIC). <\/p>\n\n\n\n In addition to auto coverage, USAA customers can purchase policies for home, renters, life, umbrella, pet and business insurance. While USAA offers basic online quotes to non-members, these are based on generic coverage numbers. Drivers will be asked to confirm membership eligibility and provide their Social Security numbers before policy coverage can be customized and a final quote issued.\u00a0<\/p>\n\n\n\n USAA membership is limited to active-duty military members, veterans, select federal employees, pre-commissioned cadets, and children and spouses of eligible members. Drivers who aren\u2019t eligible for USAA membership can still purchase coverage through the USAA Insurance agency, which helps connect drivers with other insurers.\u00a0<\/p>\n\n\n\n USAA holds many top ratings from customers and industry agencies, including an A++ (Superior) financial strength rating from AM Best, top-five scores on the most recent J.D. Power auto insurance studies and a relatively high average rating from Jerry customers. However, USAA has received more consumer complaints than expected through the NAIC in recent years and earned a CRASH Network grade of D+ for 2025. <\/p>\n\n\n\n Among membership-eligible drivers, USAA may be a good choice for those who:<\/p>\n\n\n\n Comparing quotes from multiple companies is one of the easiest ways to decide which insurer is right for you.<\/p>\n\n\n\n USAA offers a variety of discounts to help you save money on auto insurance. These may vary by location and coverage type. They include:<\/p>\n\n\n\n Yes, USAA has two different behavior-based insurance options: SafePilot and SafePilot Miles.<\/p>\n\n\n\n SafePilot is a telematics<\/a> program that offers a 10% discount when you enroll and up to 30% off your premium at renewal based on safe driving habits. USAA SafePilot Miles is a usage-based insurance (UBI) program that offers a 20% discount for low mileage drivers<\/a>, variable premiums based on mileage and the potential for another 20% discount for safe driving habits.<\/p>\n\n\n\n Both programs require drivers to download a mobile app that tracks driving habits and data such as mileage, speed, braking, acceleration and phone usage. Drivers who demonstrate unsafe or risky habits could see their premiums increase at renewal time. <\/p>\n\n\n\n USAA offers standard coverage types including collision, comprehensive, bodily injury liability, property damage liability, medical payments, personal injury protection and uninsured\/underinsured motorist coverage.<\/p>\n\n\n\nWho is USAA best for?<\/h2>\n\n\n\n
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USAA car insurance discounts<\/h2>\n\n\n\n
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Does USAA offer insurance based on driving behavior?<\/h3>\n\n\n\n
USAA car insurance coverage options<\/h2>\n\n\n\n