USAA SafePilot Review: Pros, Cons, & Alternatives (2023)
Discover the USAA SafePilot program, an affordable usage-based auto insurance program that allows you to save on your premiums based on your driving habits. By practicing safe driving habits, you can earn substantial savings on your auto insurance. Compare quotes from multiple companies to ensure you're getting the best coverage at the most affordable price.
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Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 19, 2023
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- Everyone gets a 5 percent discount just for trying out SafePilot
- Only members of the military, veterans, and their immediate family members can get auto insurance from USAA
- Discounts of up to 20 percent are possible depending on your driving habits
Discover the comprehensive guide to the USAA SafePilot program, an innovative usage-based auto insurance solution. Explore its features, pros, cons, and alternative options for making well-informed decisions. Gain a clear understanding of how SafePilot functions, the driving behavior-based discounts it offers, and its advantages over other telematics programs.
Take the first step towards finding the best insurance rates for your needs by entering your zip code below. By comparing quotes from top insurance providers, you can ensure that you get the most competitive rates available. Don’t miss out on the opportunity to save on your auto insurance premiums. Start comparing quotes now and make a smart financial decision today.
What is the USAA SafePilot program?
SafePilot is an app offered by USAA insurance to promote safe driving habits resulting in up to a 20 percent discount on your next six-month policy renewal. The app determines whether you’re a certain type of bad driver or whether your safe driving habits warrant a discount.
Several of the top auto insurance companies collect your driving information for only 90 days, and you get only one chance to try for a discount.
SafePilot is different.
SafePilot continually records your driving habits and adjusts your discount to be used on your next six-month policy period. The discount can vary from policy period to policy period.
You can use your USAA login to view each of your trips. SafePilot records the following driving habits:
- Your vehicle location
- Whether you are driving during the day or night
- Hard braking
- Any hands-free calls you make
- How often and for how long you handle your phone
- If you are the driver or the passenger
USAA believes safe driving is important and uses SafePilot to decrease the number of those that are distracted drivers. Also, many fatal accidents happen late at night.
USAA is committed to this belief. In 2018, more than 2,800 people were killed, and 400,000 were injured through some form of distracted driving, as the Centers for Disease Control and Prevention (CDC) reports.
SafePilot especially encourages teen driver safety. If the entire family participates in these efforts to reduce distracted driving, you will have for sure earned your discount.
One downside, however, is that SafePilot is always collecting data in the background, no matter if the app is open or not on your smartphone. This can cause your phone battery to deplete, or you could use all of your data plan.
If you choose to use SafePilot, be sure to keep a phone charger in the car and consider an unlimited data plan with your cell service provider.
USAA keeps your data private and safe and uses it only for further research. Telematics is just beginning. In fact, USAA is adding features to SafePilot to collect data when you are in an accident.
For more on USAA insurance, take a look at some of our USAA home and car insurance reviews & ratings.
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Is SafePilot worth it?
SafePilot is valuable when it comes to making you improve your driving habits and helping to prevent distracted driving. It is free and simple to use, and it can help you save money.
USAA customers that use SafePilot offer good reviews. Even though the app is supposed to understand whether you are a driver or a passenger, users report this is one weakness of their app.
If you would like to test-drive other usage-based auto insurance programs, most companies will have a trial period for any potential new customers.
Most companies openly state some of the U.S. military and veteran resources, which include discounts, on their websites. Stacking a military discount with a usage-based program discount could mean big savings for the entire family.
That’s why it’s important to get multiple auto insurance quotes from multiple auto insurance companies before choosing USAA and signing up for SafePilot. Enter your ZIP code to compare quotes today.
Frequently Asked Questions
What is USAA SafePilot?
USAA SafePilot is a telematics-based program offered by USAA Insurance that uses a mobile app and a device plugged into your car to monitor your driving behavior and reward safe driving habits with potential discounts on your auto insurance premiums.
How does USAA SafePilot work?
To enroll in USAA SafePilot, you need to download the SafePilot app and plug the device provided by USAA into your car’s OBD-II port. The app uses the device to collect data on your driving behavior, such as speed, acceleration, braking, and time of day. Based on this data, USAA assigns you a driving score, and you may be eligible for discounts on your auto insurance premiums if you score high enough.
What are the benefits of using USAA SafePilot?
Some potential benefits of using USAA SafePilot include:
- Discounts on your auto insurance premiums based on your driving score
- The ability to track your driving behavior and potentially improve your habits
- Automatic accident detection and emergency response services
- Customized feedback and coaching to help you become a safer driver
Are there any downsides to USAA SafePilot?
One downside of USAA SafePilot is that it requires you to allow the app to track your driving behavior, which some people may not be comfortable with. Additionally, if you drive aggressively or have poor driving habits, you may not be eligible for a discount.
What are some alternatives to USAA SafePilot?
Some alternatives to USAA SafePilot include other telematics programs offered by insurance companies such as State Farm’s Drive Safe & Save, Allstate’s Drivewise, and Progressive’s Snapshot.
How much money can you save with USAA SafePilot?
The amount of money you can save with USAA SafePilot varies based on your driving habits and location. On average, USAA SafePilot participants can save up to 30% on their auto insurance premiums.
Do NOT get this insurance
Damaged Rental Van Payoff
#1 worse company
In a DEPLORABLE Decline
Zero faith or trust in USAA
USAA has lost its way
Crap insurance stay away
This insurance company sucks
Awful Customer Service and Incompetence