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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

USAA Car Insurance Review (2024)

Updated on:
Content was accurate at the time of publication.

USAA offers great auto insurance rates, fantastic customer satisfaction and strong coverage, but only for military members and veterans, as well as their spouses and children.

Find the Cheapest Car Insurance Quotes in Your Area


 Top-tier customer satisfaction rates

 Available in all 50 states and Washington, D.C.

 Wide range of insurance coverage and banking products

 Easy online quotes


 Only available for active-duty and veteran military, as well as their spouses and children

 No local agencies


USAA car insurance is an excellent option for active and veteran military members and their immediate families.

On average, USAA has low rates compared to other insurers. Their customer satisfaction ratings are superior, as well.

USAA had the top customer satisfaction index score in all 11 U.S. regions, according to J.D. Power’s 2023 car insurance study.

It also did well on the National Association of Insurance Commissioners complaint index, which compares the number of customer complaints to the average for similar-sized companies. USAA received a 0.9, where 1.0 is the average score.

USAA is also in a strong financial position to pay out all claims, according to A.M. Best, which gives it an A++ rating.

USAA has the cheapest full-coverage rates of all the major car insurance companies we surveyed ($1,199 a year on average) and the lowest liability-only coverage ($398 a year on average).

Its typical full-coverage rate is 39% cheaper than the national average of $1,970 a year.

USAA car insurance rate comparison

CompanyFull coverageLiability coverage
State Farm$1,487$597
American Family$1,920$728
Farm Bureau$1,931$548

USAA car insurance cost for a bad driving record

Among the major insurers we looked at, USAA has the second-lowest average car insurance rate for drivers with a traffic ticket on their record, at $1,457 a year. (Erie has the lowest rate, at just $1 less than USAA’s.)

USAA also has the second-cheapest rate for drivers with an at-fault accident, at $1,658 a year. (Erie is again the cheapest, at $1,597 a year.)

Similarly, drivers with a conviction for driving under the influence (DUI) will find the second-cheapest average rate at USAA, at $2,252 a year. (Here, too, Erie is the most affordable, at $2,172 a year.)

USAA average annual rate by incident

CompanyClean recordTicketAccidentDUI
State Farm$1,487$1,616$1,843$4,402
Country Financial$1,600$2,114$2,336$2,459
American Family$1,920$2,352$2,980$3,114
Farm Bureau$1,931$2,191$2,662$3,343

USAA car insurance rates for teens

USAA is a good choice for qualifying teens looking for car insurance. Its average rate for young drivers is $2,847 a year, or  51% cheaper than the national average rate to insure an 18-year-old driver, at $5,824 a year.

Among major insurers, only Country Financial was cheaper, at $2,226 a year.

USAA average car insurance rate for 18-year-old drivers

CompanyFull coverage for 18-year-oldLiability coverage for 18-year-old
Country Financial$2,226$1,401
State Farm$4,128$1,811
Farm Bureau$4,451$1,574
American Family$5,413$2,364

USAA has many discounts to help their auto policy customers save money on their annual car insurance costs, such as:

  • Bundling: If you bundle your auto insurance with a USAA home insurance policy, you could save up to 10% on your annual premium.
  • MyUSAA Legacy Discount: If you were named on your family’s USAA insurance policy, are under 25 years old and have had no major violations three years before getting your own policy, you could save 10% on your auto insurance.
  • USAA SafePilot: If you live in a qualifying state, are eligible for the program and install the USAA SafePilot app, you could get a 30% discount.

Other available discounts include:

  • Safe driver
  • Good student
  • Multi-driver
  • New car
  • Anti-theft device

USAA also has discounts especially tailored to the military, including:

  • If you’re deployed or storing your car, you can save up to 60% on your auto insurance.
  • There’s a 15% discount if you store your car at a military installation.

Besides offering liability-only car insurance and full coverage (which includes liability, collision and comprehensive coverage), USAA also offers these add-ons:

  • Accident forgiveness: USAA will forgive the first accident on your record. You can either purchase it as an add-on or get it for free if you go five years without an accident.
  • Rental car reimbursement: This coverage can help pay for a rental car while your car is being repaired after an accident.
  • Roadside assistance: USAA can get you back on the road or help tow your car.
  • Rideshare coverage: If you drive for a service like Uber or Lyft, this coverage offers protection while you’re on the app or waiting for a rider or delivery request.


LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates are based on an analysis of car insurance quotes for sample drivers.

Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUI convictions, driving a 2015 Honda Civic EX.

For full-coverage policies, coverage limits include:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: Minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible