Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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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...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Apr 1, 2021

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Company Details
Address: 9800 Fredericksburg Road
City: San Antonio
State: TX
ZIP Code: 78288
Phone Number: (210) 498-8000
Fax: (210) 498-0279
AM Best Rating: A++
S&P Global Ratings: AA+
Company Rating 3.45 (399 reviews)

USAA is short for United Services Automobile Association, and the name tells you a lot about the company. Where other insurance companies accept military employees, USAA only insures people who belong to the United States Military. They are listed in the Forbes 500 at 189 for revenue and 78th for total assets. The company has more than 113 billion dollars in assets and has written insurance policies totaling more than 9.1 billion dollars in 2006.

USAA Car Insurance and USAA Home Insurance Reviews

USAA is one of the top 10 best car insurance companies in the market share. USAA offers services to only those affiliated with the military.

However, you could still be eligible if your parent, grandparent, or spouse is or was in the military. Contact USAA directly to check for eligibility.

Continue reading to see USAA auto insurance rates, USA home insurance rates, and reviews from real people.

Looking for affordable car insurance or affordable home insurance? Not sure how to buy car insurance or buy home insurance? We can help.

USAA may offer policies in your area. Enter your zip code above to get started at comparing car insurance quotes and home insurance quotes from multiple insurance companies.

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USAA Auto Insurance Rates

USAA usually has the best rates around, but, again, you must be eligible. Average annual auto insurance rates by age, gender, and marital status are listed below.

  • Single 17-year old female — $4,807.54
  • Single 17-year old male — $5,385.61
  • Single 25-year old female — $1,988.52
  • Single 25-year old male — $2,126.14
  • Married 35-year old female — $1,551.43
  • Married 35-year old male — $1,540.32
  • Married 60-year old female — $1,449.85
  • Married 60-year old male — $1,448.98

You can see that rates are much higher for younger drivers. If you have a bad driving record, see USAA annual average auto insurance rates by violation below.

  • Clean record — $1,933.68
  • One speeding ticket — $2,193.25
  • One accident — $2,516.24
  • One DUI — $3,506.03

You can see that USAA auto insurance rates increase considerably as you collect driving violations. It’s always good to get multiple quotes from multiple car insurance companies because you could get a better price depending on your driving record.

USAA Home Insurance Rates

The rates below are sampled from the California Department of Insurance for Pasadena, California in Los Angeles County. Sample rates are based on a home age of 1-3 years old and having a $1,000 deductible.

Sample USAA Average Annual Home Insurance Rates vs Other Home Insurance Companies

Dwelling coverage$200,000$350,000$500,000
State Farm$427$690$972
Liberty Mutual$656$866$1,076
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You can see that USAA homeowners insurance rates are not necessarily always the cheapest based on dwelling coverage level. Be sure to get multiple quotes from multiple companies before you decide.

Also, once you purchase a policy and need to make a claim contact the USAA claims department directly.

After reading the USAA car insurance reviews and USAA home insurance reviews below, enter your zip code above to get started to compare car insurance rates and home insurance rates from a car insurance company or home insurance company in your area.