USAA Insurance Review
USAA exclusively serves military members and their families, consistently earning top ratings for customer satisfaction and claims handling.
Overview
USAA (United Services Automobile Association) was founded in 1922 by a group of Army officers who couldn't get auto insurance. Today, USAA serves over 13 million members, including active military, veterans, and their families. They consistently rank #1 in customer satisfaction surveys and are known for exceptional service and competitive rates.
Pros
- Consistently rated #1 in customer satisfaction
- Excellent rates for military members and families
- Superior claims handling and customer service
- Strong mobile app with comprehensive features
- Exceptional military-specific benefits and understanding
Cons
- Membership limited to military and their families
- No local agents - all service is phone/online
- Not available to general public
- Some features require active duty status
Average Rates
* Rates are national averages and vary by location, driver profile, and coverage level
Ratings & Scores
Available Discounts
Frequently Asked Questions
Who is eligible for USAA insurance?
USAA membership is available to active duty military, veterans who have received an honorable discharge, cadets, midshipmen, and family members of USAA members (including children and spouses).
Is USAA really the best insurance company?
USAA consistently ranks #1 in customer satisfaction surveys by J.D. Power and other rating agencies. Their rates are competitive, claims handling is excellent, and they have unique benefits for military families.
Does USAA have local agents?
No, USAA operates entirely through phone and digital channels. Despite not having agents, their customer service is highly rated and available 24/7.
What happens to my USAA policy if I leave the military?
Once you're a USAA member, you remain eligible for life. Your policy and benefits continue regardless of your military status, and you can pass eligibility to your children.
Does USAA offer special military benefits?
Yes, USAA offers many military-specific benefits including deployment coverage extensions, storage discounts for deployed vehicles, and flexible payment options during deployments or military moves.
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