USAA started in 1922 when army officers in San Antonio, Texas, began insuring each other’s vehicles. By 2022, the company’s eligibility requirements included all people who have served in the military and their families, covering 13 million drivers across the country. Many people find the most competitive rates with USAA.
SafePilot Driving Program
Similar to State Farm’s Steer Clear program, USAA offers discounts through its mobile app with the SafePilot program. This optional behavior-based program lowers rates for safe drivers. Once you buy a policy with USAA, you can choose to download its mobile app through the App Store or Google Play store and enroll in the SafePilot program. By enrolling, you’ll receive the automatic 10 percent discount.
Once you begin driving and the app determines whether you’re the passenger or the driver, it’ll log your driving trips and calculate your “driving score” based on factors including:
Your driving score determines your discounts, which can be up to 30 percent off.
You must drive at least 325 miles and 16 hours during each policy period to be eligible for a driving score and discount.
Noblr’s Usage-Based Insurance
USAA offers pay-as-you-drive insurance through its partner car insurance company Noblr, which it acquired in 2021.6 Noblr insurance caters to low-mileage drivers who wish to save based on how much they drive.
While the SafePilot app establishes your discount solely on how safely you drive, the Noblr app measures your mileage along with your driving behaviors to calculate your rate. Therefore, deployed military members and others who go for long periods without driving can earn savings with Noblr. Specifically, if you drive less than 8,000 miles a year, Noblr’s usage-based insurance may be right for you.
As of January 2023, USAA’s Noblr insurance policies are available in select states, including Arizona, Colorado, Illinois, Louisiana, Maryland, New Mexico
, Ohio, Pennsylvania, Texas and Virginia.
If you are deployed away from your home and family or have to move for a permanent change of station (PCS), you’ll stay protected with USAA. Customers who relocate bases can choose to remain covered with USAA’s overseas auto insurance rather than cancel their policies.
With USAA’s overseas insurance coverage, you’ll maintain your basic auto coverages like liability insurance and personal injury protection while also saving on moving and storage expenses during your time away. Discounts on vehicle storage, for example, are available to all USAA customers except residents of Hawaii, North Carolina and Virginia. International coverage plans also differ depending on the country you are traveling to, so make sure to check USAA’s website to learn about a specific country’s requirements.