USAA Car Insurance and USAA Home Insurance Reviews

These USAA Car Insurance and USAA Home Insurance Reviews will cover USAA Car Insurance and USAA Home Insurance Reviews ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The USAA Car Insurance and USAA Home Insurance Reviews A.M. Best rating is A++, and the USAA Car Insurance and USAA Home Insurance Reviews S&P Rating is AA+. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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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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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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: Jun 28, 2022

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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
Website: usaa.com
AM Best Rating: A++
S&P Global Ratings: AA+

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
Allstate$421$734$1,047
Liberty Mutual$656$866$1,076
USAA$448$811$1,154
Farmers$899$1,386$1,869
Travelers$408$585$795
Nationwide$439$668$961
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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.

Reviews
for USAA

4.72 (6,414 reviews)
1
March 4, 2022

Josh_B

Zero faith or trust in USAA

I have zero faith or trust in USAA taking care of me as a customer. I was in an auto accident that was caused by the other party's drive shaft coming off on the highway in front of me. I took pictures of the party's truck along with a picture showing that his drive shaft was missing and had my passenger as a witness of what happened. USAA took this matter and did an arbitration with the other party's insurance. The outcome was that the other part...
I have zero faith or trust in USAA taking care of me as a customer. I was in an auto accident that was caused by the other party's drive shaft coming off on the highway in front of me. I took pictures of the party's truck along with a picture showing that his drive shaft was missing and had my passenger as a witness of what happened. USAA took this matter and did an arbitration with the other party's insurance. The outcome was that the other party was not at fault. I requested documentation regarding the arbitration and was told "The decision is considered work product and we are unable to release this documentation." How can I trust that USAA has my back if they will not release this info to me? [REDACTED]
1
January 3, 2022

Rich_A

USAA has lost its way

As a 52 year CUSTOMER (legitimately there are NO members!), my first 25 years ranged from excellent to good. After that period of time, customer service, pricing, employee credibility and product offering deteriorated to a barely acceptable level, at best, and made USAA indistinguishable from the other big insurance companies. It is my firm belief USAA in the past 20 years has operated solely for the betterment and welfare of its upper managem...
As a 52 year CUSTOMER (legitimately there are NO members!), my first 25 years ranged from excellent to good. After that period of time, customer service, pricing, employee credibility and product offering deteriorated to a barely acceptable level, at best, and made USAA indistinguishable from the other big insurance companies. It is my firm belief USAA in the past 20 years has operated solely for the betterment and welfare of its upper management. The primary corporate focus is the ever increasing of the customer base to increase management bonuses and salary levels. USAA has truly has lost its original purpose, focus and direction it had in its early years. Too bad. I remember what it was when I joined in 1970. Would I recommend USAA to those "eligible", absolutely not!
1
October 4, 2021

djsnyder79_gmail_com

Crap insurance stay away

These people lie to get your money. They absolutely don't care about customers and will cover their own [REDACTED WORD] in order do whatever they want. Might as well go with someone else.
1
July 25, 2021

K_c

This insurance company sucks

They have absolutely no communication skills and dont even let you know when they pay out claims. They dont care about their drivers at all and pay people to shut them up which makes your own rates sky rocket. They paid multiple claims without even a single email to let me know about it so I could fight them. I feel violated by the company I was paying to have my back. Do yourself a favor and choose elsewhere or they will screw you over too.
1
May 14, 2021

CDawn

Awful Customer Service and Incompetence

USAA touts itself as an insurance company for families of Military and Veterans. They are not. First, they could not even do their job and submit the right forms to my state when I had an accident causing my license to be suspended. A form that should have been submitted first thing after the accident. Through an odd circumstance, I found out I had been driving on a suspended license and had no clue! This was 4 months after the accident and I was...
USAA touts itself as an insurance company for families of Military and Veterans. They are not. First, they could not even do their job and submit the right forms to my state when I had an accident causing my license to be suspended. A form that should have been submitted first thing after the accident. Through an odd circumstance, I found out I had been driving on a suspended license and had no clue! This was 4 months after the accident and I was now having to follow up with them because of their incompetence! Not only that but it took them 4 months to get a check issued for the vehicle in the accident and I was stuck dealing with the lender! Also, they dropped my family when my husband got in trouble with the law and had to do time. I might understand not servicing my husband any longer...even though he is an Army Veteran who put his life on the line for our country... However, to drop a whole family while they are already dealing with something this life-changing I believe is unacceptable! They are already dealing with so much, even beyond the loss of a father and now being a single-parent home. I would have expected a little support from a company that touts themselves as being for families, specifically military and veteran families. I would not recommend them and will not do business with them again.
5
February 3, 2021

FAMILY

USAA IS GREAT

I AM SO GLAD WE WENT WITH USAA CAR INSURANCE COMPANY. IT HAS BETTER RATES AND COVERAGE OUT OF ALL THE OTHER COMPANIES WE HAVE HAD CAR INSURANCE COVER WITH. I THINK THEY ARE THE BEST ALL AROUND.
4
February 2, 2021

nityagarg

nice experince

To be honest is a great experience that deserves to be remembered. Quality, service and quality are great
5
February 2, 2021

YNJrDNEk57K79dU

USAA's

low rates and good customer service make it a sound choice for those who are eligible for USAA membership. It typically offers low rates for both auto and home insurance, despite the lack of available discounts. Overall, USAA is a great choice for your insurance needs
5
February 2, 2021

samo

a reliable company

it is a very good experience and i feel safe and secure with this company , and i advice the other one to register with
4
January 17, 2021

9876543211

trustworthy

I like this company, they are very reliable and they are well known of their prompt replies on clients questions
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