USAA Car and Home Insurance Review
- Cheap home and auto insurance
- Industry-leading customer satisfaction ratings
- Customizable coverage options
- Perks for active duty service members
- Only available to military service members and their families
- Less personalized service than other companies
Is USAA a good company?
USAA is an excellent insurance company for service members and their families. It has cheaper home and auto insurance rates than most other companies and gets great customer service ratings.
For example, J.D. Power
USAA also has an excellent complaint score for homeowners insurance from the National Association of Insurance Commissioners (NAIC)
Overall, USAA provides a wide range of insurance and financial products to the military community. These include boat, motorcycle and RV insurance; banking; investment services and more. It also offers life insurance to any U.S. citizen or permanent resident, with no military eligibility requirements.
USAA customer service ratings
| Rating | USAA’s score | State Farm | Allstate | Progressive | Industry average |
|---|---|---|---|---|---|
| Auto satisfaction* | 735 (Excellent) | 650 | 635 | 621 | 640 |
| Home satisfaction* | 737 (Excellent) | 657 | 633 | 627 | 642 |
| Renters satisfaction* | 740 (Excellent) | 685 | 638 | 648 | 668 |
| Auto complaints** | 1.0 (Average) | 0.8 | 0.7 | 0.6 | 1.0 |
| Home complaints** | 0.5 (Excellent) | 1.2 | 1.1 | 1.7 | 1.0 |
How much is USAA car insurance?
USAA charges an average of $125 a month for full coverage
USAA car insurance rate comparison
| Company | Full coverage | Minimum liability | LendingTree score |
|---|---|---|---|
| USAA | $125 | $39 | 4 |
| Erie | $131 | $44 | 4 |
| Travelers | $135 | $59 | 4.5 |
| State Farm | $144 | $56 | 4.5 |
| American Family | $146 | $51 | 4 |
| Progressive | $160 | $69 | 4 |
| Geico | $173 | $65 | 3.5 |
| Nationwide | $190 | $76 | 3 |
| AAA | $229 | $84 | 2.5 |
| Allstate | $248 | $104 | 3 |
| Farmers | $258 | $101 | 3 |
Your actual rate depends on factors like your driving record, location and vehicle. Each company treats these factors differently, and their rates vary by customer. This makes it good to compare car insurance quotes from a few companies when you shop.
USAA auto insurance rates by state
USAA is a particularly good deal for auto insurance in New Mexico, Missouri, Kansas and Nevada. Its rates are about half the average in each of these states. USAA is cheaper than the average in most other states, too.
USAA car insurance vs. state averages
| State | USAA monthly | State average | USAA vs. state average |
|---|---|---|---|
| Alabama | $119 | $153 | -22% |
| Alaska | $116 | $135 | -14% |
| Arizona | $165 | $201 | -18% |
| Arkansas | $113 | $197 | -43% |
| California | $158 | $182 | -13% |
| Colorado | $174 | $238 | -27% |
| Connecticut | $149 | $265 | -44% |
| Delaware | $195 | $256 | -24% |
| Florida | NA | $264 | NA |
| Georgia | $147 | $155 | -5% |
| Hawaii | $112 | $126 | -11% |
| Idaho | NA | $127 | NA |
| Illinois | $167 | $154 | +8% |
| Indiana | $81 | $144 | -44% |
| Iowa | $125 | $149 | -16% |
| Kansas | $103 | $199 | -48% |
| Kentucky | $146 | $176 | -17% |
| Louisiana | $210 | $277 | -24% |
| Maine | $75 | $107 | -30% |
| Maryland | $102 | $172 | -41% |
| Massachusetts | $142 | $152 | -7% |
| Michigan | $148 | $218 | -32% |
| Minnesota | $118 | $194 | -39% |
| Mississippi | $109 | $176 | -38% |
| Missouri | $100 | $198 | -49% |
| Montana | $107 | $183 | -42% |
| Nebraska | $128 | $171 | -25% |
| Nevada | $148 | $280 | -47% |
| New Hampshire | $102 | $113 | -10% |
| New Jersey | NA | $209 | NA |
| New Mexico | $88 | $188 | -53% |
| New York | $161 | $192 | -16% |
| North Carolina | NA | $124 | -100% |
| North Dakota | $110 | $158 | -30% |
| Ohio | $84 | $124 | -32% |
| Oklahoma | $119 | $193 | -38% |
| Oregon | $117 | $172 | -32% |
| Pennsylvania | $171 | $166 | +3% |
| Rhode Island | $123 | $224 | -45% |
| South Carolina | $116 | $152 | -24% |
| South Dakota | $162 | $177 | -8% |
| Tennessee | $98 | $150 | -35% |
| Texas | $125 | $199 | -37% |
| Utah | $118 | $193 | -39% |
| Vermont | $84 | $101 | -17% |
| Virginia | $106 | $132 | -20% |
| Washington | $133 | $188 | -29% |
| Washington, D.C. | $121 | $218 | -44% |
| West Virginia | $113 | $150 | -25% |
| Wisconsin | $105 | $146 | -28% |
| Wyoming | $77 | $111 | -31% |
USAA rates not available (NA) in every state.
Is USAA cheap after a ticket, accident or DUI?
You can usually get cheap car insurance from USAA with a bad driving record. Its full coverage rate only goes up to $153 a month after a speeding ticket. This is 30% less than the national average of $219 a month after a ticket.
An at-fault accident increases USAA’s rate to $174 a month, which is 34% less than the national average. At $248 a month, its rate after a DUI (driving under the influence) is 25% less than the national average.
USAA auto rates for a bad driving record
| Driving record | USAA rate | U.S. average | USAA vs. U.S. average |
|---|---|---|---|
| Clean record | $125 | $177 | -29% |
| Speeding ticket | $153 | $219 | -30% |
| At-fault accident | $174 | $263 | -34% |
| DUI | $248 | $329 | -25% |
Does USAA have cheap car insurance for bad credit?
At $227 a month
USAA auto rates for bad credit
| Company | Monthly rate |
|---|---|
| USAA | $227 |
| U.S. average | $345 |
How much is USAA car insurance for teen drivers?
USAA also has cheap car insurance for teens. The company charges young drivers an average of $106 a month for liability insurance. This is 49% less than the national average. USAA’s full coverage rate of $307 a month is 38% less than the national average.
USAA car insurance for teens
| Policy type | USAA monthly rate | U.S. average |
|---|---|---|
| Liability-only | $106 | $208 |
| Full coverage | $307 | $497 |
Which discounts can I get from USAA?
USAA offers about a dozen car insurance discounts that can make its low rates even cheaper. These include discounts for bundling multiple policies and having a clean driving record.
Its usage-based insurance (UBI) programs can help you save more money. Both programs use a smartphone app to monitor your driving.
- SafePilot can get you a discount of up to 30% if you drive safely enough. You have to avoid hard braking, distracted driving and other risky behaviors for the most savings.
- SafePilot Miles helps you save money if you don’t drive much. Your rate is based on the number of miles you drive, but safe driving helps you save more.
Young drivers can get discounts for getting good grades and/or completing a driver’s education course. Other drivers can get a discount for completing a defensive driver class.
If you’re on active duty in the military, you can save an extra 15% by garaging your vehicle on a base.
USAA car insurance discounts
| Discount | USAA | State Farm | Allstate | Progressive |
|---|---|---|---|---|
| Bundling | ||||
| Good driver | ||||
| Good student | ||||
| Driver education | ||||
| Defensive driving class | ||||
| Safe driving app | ||||
| Low mileage | ||||
| Vehicle on base |
Details and availability of discounts vary by company and state.
What does USAA car insurance cover?
USAA offers standard car insurance coverages and a few useful extras. The standards include liability
Car replacement assistance is a unique alternative to gap insurance
USAA also offers rideshare driver coverage
USAA auto insurance coverage
| Coverage | USAA | State Farm | Allstate | Progressive |
|---|---|---|---|---|
| Car replacement assistance | ✔️ | |||
| Gap insurance | ✔️ | |||
| Accident forgiveness | ✔️ | ✔️ | ✔️ | |
| Rideshare driver | ✔️ | ✔️ | ✔️ | ✔️ |
Details and availability of coverage options vary by company and state.
How much is USAA homeowners insurance?
USAA charges an average of $2,418 a year for homeowners insurance, or $202 a month. This is 8% less than the national average of $2,636 a year, but State Farm, AAA and Allstate are cheaper.
USAA home insurance rates
| Company | Annual rate | Monthly average | LendingTree score |
|---|---|---|---|
| State Farm | $1,761 | $147 | 4 |
| AAA | $1,925 | $160 | 2 |
| Allstate | $2,352 | $196 | 4 |
| USAA | $2,418 | $202 | 4 |
| Chubb | $2,812 | $234 | 4 |
| Farmers | $2,895 | $241 | 3.5 |
| Progressive | $3,084 | $257 | 4 |
| Travelers | $3,216 | $268 | 3.5 |
| American Family | $3,423 | $285 | 4 |
| Nationwide | $3,490 | $291 | 3.5 |
| Erie | $3,533 | $294 | 4 |
Details and availability of coverage options vary by company and state.
USAA home insurance rates by state
USAA’s home insurance rates are cheaper than the average in most states. A couple of notable exceptions include Louisiana and New Hampshire. USAA’s home insurance rates are at least 30% higher than the average in each of these states.
USAA’s home insurance is a great deal in Missouri. There, its rate of $1,536 a year is about half the state average.
USAA home insurance vs. state averages
| State | USAA annual rate | State average | USAA vs. state average |
|---|---|---|---|
| Alabama | $3,788 | $3,614 | 5% |
| Alaska | $1,367 | $1,519 | -10% |
| Arizona | $1,780 | $2,407 | -26% |
| Arkansas | $2,895 | $3,902 | -26% |
| California | $1,338 | $1,638 | -18% |
| Colorado | $5,845 | $4,722 | 24% |
| Connecticut | $1,471 | $2,662 | -45% |
| Delaware | NA | $1,320 | NA |
| Florida | NA | $2,967 | NA |
| Georgia | $2,522 | $2,971 | -15% |
| Hawaii | NA | $928 | NA |
| Idaho | $2,035 | $1,975 | 3% |
| Illinois | $2,198 | $2,973 | -26% |
| Indiana | $2,060 | $2,940 | -30% |
| Iowa | $2,540 | $3,492 | -27% |
| Kansas | NA | $4,595 | NA |
| Kentucky | NA | $3,495 | NA |
| Louisiana | $3,788 | $2,903 | 30% |
| Maine | NA | $1,450 | NA |
| Maryland | $2,129 | $2,490 | -14% |
| Massachusetts | $1,393 | $1,875 | -26% |
| Michigan | $2,483 | $2,545 | -2% |
| Minnesota | NA | $3,189 | NA |
| Mississippi | $2,961 | $3,154 | -6% |
| Missouri | $1,535 | $2,936 | -48% |
| Montana | $3,401 | $2,739 | 24% |
| Nebraska | $4,193 | $5,519 | -24% |
| Nevada | $1,714 | $1,829 | -6% |
| New Hampshire | $1,537 | $1,150 | 34% |
| New Jersey | $1,847 | $1,576 | 17% |
| New Mexico | NA | $3,242 | NA |
| New York | NA | $1,649 | NA |
| North Carolina | $3,278 | $2,874 | 14% |
| North Dakota | NA | $2,751 | NA |
| Ohio | $1,837 | $2,232 | -18% |
| Oklahoma | $5,957 | $6,113 | -3% |
| Oregon | $1,102 | $1,518 | -27% |
| Pennsylvania | $1,111 | $1,930 | -42% |
| Rhode Island | NA | $2,165 | NA |
| South Carolina | $2,601 | $3,292 | -21% |
| South Dakota | $3,637 | $3,637 | 0% |
| Tennessee | $2,813 | $3,757 | -25% |
| Texas | $4,718 | $4,279 | 10% |
| Utah | $1,686 | $1,858 | -9% |
| Vermont | $1,144 | $1,047 | 9% |
| Virginia | NA | $2,780 | NA |
| Washington | $1,592 | $1,771 | -10% |
| Washington, D.C. | $1,346 | $1,441 | -7% |
| West Virginia | $1,359 | $2,117 | -36% |
| Wisconsin | $1,710 | $1,872 | -9% |
| Wyoming | $1,595 | $2,396 | -33% |
USAA rates not available (NA) in every state.
Which home insurance discounts can I get from USAA?
USAA has a handful of discounts that can make its homeowners insurance more affordable. Bundling your home insurance with an auto policy is a good start. Doing so can reduce your combined home and auto insurance costs by about 10%.
A 5% loyalty discount kicks in after you’ve had USAA home insurance for three years. You can save another 15% if it’s been more than five years since your last claim. You can get this claims-free discount even if you haven’t been with USAA the entire five years.
Wi-Fi connected devices like water leak detectors can help you save more. USAA customers also get discounts on devices and monitoring services from top home security companies.
Top USAA home insurance discounts
| Discount | USAA | State Farm | Allstate | Progressive |
|---|---|---|---|---|
| Bundling | ✔️ | ✔️ | ✔️ | ✔️ |
| Protective devices | ✔️ | ✔️ | ✔️ | ✔️ |
| Claims free | ✔️ | |||
| Loyalty | ✔️ | ✔️ | ✔️ |
Details and availability of discounts vary by company and state.
What does USAA home insurance cover?
USAA’s standard homeowners insurance includes replacement cost coverage for your belongings. This means your payment for damaged or stolen items aren’t reduced for age and wear.
USAA also offers a few useful add-ons for customizing your policy. These include electronics coverage, which gives your devices more protection than normal home insurance.
The company’s water backup coverage and home protector endorsement are often worth considering.
- Water backup coverage pays to clean and repair damage from a backup of your sewer or drainage system.
- The cost of completely rebuilding a home can sometimes exceed a policy’s coverage limit. USAA’s home protector covers a potential shortfall like this.
USAA also covers personally owned military gear and clothing for active duty service members. This coverage doesn’t require you to pay a deductible
Home insurance generally does not cover floods and earthquakes. Like most companies, USAA can help you get separate insurance for these risks.
How does USAA’s renters insurance work?
USAA offers more renters insurance protections than most other companies. These include flood and earthquake coverage, which other companies don’t cover in their standard policies.
As with home insurance, USAA’s renters policies cover your belongings at their replacement value. This gives you more money to get your life back to normal after a burglary, fire or other disaster.
You can get renters insurance discounts for bundling, having protective devices and avoiding claims. If you’re in the military, you can get a discount if you live on a base. You can also get a discount if you’re in a military service academy or military college. The Citadel and Virginia Military Institute are among the military colleges that qualify.
How does USAA compare to other insurance companies?
USAA compares favorably to most other insurance companies. It has affordable home and auto insurance in most areas and great customer service ratings.
Its website and smartphone app make it easy to manage your policy on your own. It also offers live assistance by phone and online chat. However, you usually get a different representative each time you call in for help. This may be a problem if you prefer working with the same agent on a regular basis.
USAA vs. State Farm
Like State Farm, USAA’s home and auto insurance rates are cheaper than national averages. This makes it good to get quotes from both companies when you shop.
USAA has better customer satisfaction scores than State Farm, or happier customers. On the other hand, State Farm offers more-personalized service from local agents in most communities.
USAA vs. Progressive
Progressive charges a little more for car insurance than USAA. However, its discounts for buying and managing your policy online can make it a cheaper option. Progressive’s relatively high home insurance rates often make it a more expensive option for bundlers than USAA.
USAA and Progressive offer many similar coverage options and discounts. However, Progressive’s customer parts and equipment (CPE) coverage is one that you can’t get from USAA. This optional add-on gives your vehicle’s modifications more protection than standard car insurance.
USAA vs. Geico
Geico offers more car insurance discounts than USAA and most other companies. These include a discount for active duty and retired service members. These can make Geico your cheapest option.
USAA is usually a better choice if you plan to bundle your home and auto insurance. Geico doesn’t have its own home insurance.
Instead, it offers policies from other companies. This means you may have to contact another company for home claims or billing questions. It’s often more convenient to get your home and auto insurance from the same company.
Frequently asked questions
Yes, USAA offers pet insurance through a partnership with Embrace. USAA members get discounts on coverage for pet injuries and illnesses. Additional coverage is available for routine care.
USAA is available to the military community and their families. This includes current and former service members and employees of certain federal agencies, along with their spouses and children. You can usually also join USAA if your parent or spouse is a member.
Yes. USAA offers health insurance in conjunction with other companies. These include individual and health plans from IHC and vision plans from VSP. It teams with Humana to make Medicare Advantage plans available to veterans.
Methodology
How we obtained insurance rates
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of insurance quotes for typical customers. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Car insurance coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
Home insurance coverage limits
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
How we evaluated USAA and other insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.