USAA Insurance Company Review 2025

Trusted Choice's USAA Insurance Score

4.5 Stars

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We award USAA a final rating of 4.5 out of 5 stars. The carrier has been around for more than a century, which is noteworthy within the insurance industry. USAA has the highest possible rating for financial strength from AM Best and an excellent rating by the Better Business Bureau (BBB). However, the carrier loses a couple of points due to its lack of BBB accrediation and the volume of complaints filed against it in recent years.

USAA was founded in 1922 by a group of Army officers who decided to insure each other’s vehicles. Since then, USAA has expanded to service millions of customers across the country with a variety of coverage solutions, including homeowners insurance, umbrella insurance, business insurance, life insurance, commercial auto insurance, health insurance, and more.

In 2019, USAA’s net worth surpassed $35 billion. By the end of that same year, the insurance company had 13 million members (i.e., policyholders) and 35,000 employees and had paid out $2.4 billion in returns to its customers. USAA has consistently received high marks from major credit rating agencies, such as an “AAA,” or exceptional, rating from Moody’s Investors Service and an “AA+,” or very strong, rating from Standard & Poor’s. AM Best rates the insurance company as having an exceptional long-term outlook.

While coverage availability is limited to military members and their families, the carrier provides a multitude of insurance products for this niche of customers. USAA's motorcycle insurance has been highly rated by customers across the web. Further, despite the somewhat mixed customer feedback, many folks leave glowing reviews and report excellent experiences with the carrier’s customer service and coverage alike.

USAA also provides one of the best user-friendly experiences around with an excellent website and simple claims filing process. The carrier's insurance policies are available nationwide. Overall, we say that if you qualify for coverage and are in need of any of their products, don’t hesitate to look into USAA with your independent insurance agent to be your next trusted insurance company.

USAA Insurance Company Pros and Cons:

Pros:	Cons:
Longstanding carrier	Not BBB-accredited
Offers coverage for military members and their families	Some complaints filed through the BBB
Offers personal and commercial insurance
Offers several types of coverage
Highest possible rating of "A++" (superior) by AM Best
Rated "A+" (excellent) by the Better Business Bureau (BBB)
Affordable premium rates
Nationwide coverage
Online and mobile app claims reporting

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USAA Insurance Products by Type

USAA offers a wide range of coverage for military members and their families. The carrier's insurance offerings include:

Vehicle & Auto Insurance:

Home & Property Insurance:

Life Insurance:

Business Insurance:

Other Insurance:

USAA Car Insurance

USAA sells all the types of coverage you need to assemble a full coverage auto insurance policy, such as liability, collision, comprehensive, medical payments, personal injury protection (PIP), uninsured/underinsured motorist, and more. The carrier also offers some optional extras to enhance your policy.

Coverage types, features, and benefits:

Roadside assistance

USAA offers 24/7 roadside assistance, which can reimburse policyholders for the cost of professional towing and other services if they break down on the road.

Rental car reimbursement

USAA also offers rental car reimbursement coverage, which can reimburse policyholders for the cost of a rental vehicle while their car undergoes repairs due to a covered loss.

USAA Car Insurance Average Prices

USAA's average car insurance rates are cheaper than average. A full coverage car insurance policy from USAA costs an average of just $1,897 per year, and a minimum coverage policy averages $604. In comparison, the current national average cost of full coverage car insurance is $2,638 annually, and a minimum coverage policy is $767. Here are some average annual USAA policy prices by driver age.

USAA Insurance Auto Insurance Average Prices by Driver Age

USAA's average car insurance rates were cheaper than the national average premium across every driver age category we studied.

Methodology

Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.

USAA Homeowners Insurance

USAA sells all the standard homeowners insurance coverages, including liability, contents, dwelling, additional structures, and loss of use. The carrier also offers some enhancement options to customize your policy further.

Coverage types, features, and benefits:

Replacement cost

USAA's replacement cost coverage for contents or personal belongings comes standard in its home insurance policies. This coverage pays to fully repair or replace your home's contents without factoring in depreciation after a covered total loss like a theft.

Home Protector

USAA's optional Home Protector coverage provides 25% more coverage for rebuilding costs, ordinance or law requirements, and debris removal.

Military benefits

USAA provides some additional benefits for active-duty military members, such as no deductible for claims and coverage for military equipment and uniforms.

USAA Homeowners Insurance Average Prices

USAA's average homeowners insurance premiums are also considerably cheaper than the national average. A home insurance policy with $300,000 in dwelling coverage from USAA costs just $1,232 annually. In comparison, the current national average rate for a home policy with the same amount of coverage is $2,258 per year. Here are some average prices for USAA's home insurance by dwelling coverage amount for further comparison.

USAA Average Home Insurance Prices by Dwelling Coverage Amount

USAA's average home insurance rates were cheaper than the national average across every dwelling coverage category we studied.

Methodology

To determine our average home insurance rates, we compared quotes for coverage using a sample customer who is 40 years old and married. The sample policy had $300,000 in dwelling coverage, $30,000 in other structures coverage, $150,000 in personal property coverage, $60,000 in loss of use coverage, $500,000 in liability coverage, and $1,000 in medical payments coverage. The sample insured home was less than 10 years old.

What Discounts Does USAA Offer?

USAA offers several competitive discounts for its customers on all kinds of coverage, including auto insurance. These discounts include:

Your independent insurance agent can help you find even more information on discounts offered by USAA and additional ways to save money through the insurance company, helping you get the coverage you need at the rate you deserve.

USAA Customer Service

USAA allows customers to file claims online at any time. The carrier provides the following customer service options and availability:

The best way to ensure a smooth customer service experience is by working with an independent insurance agent. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.

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