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Last updated: March 24, 2024

USAA Car Insurance Pricing

How much you can expect to spend on car insurance with USAA

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USAA has offered car insurance to its members for 100 years. Membership is free and restricted to military members, their spouses and their dependents. USAA members who purchase car insurance through the company save an average of $725 per year, according to the company’s website. On this page, we detail how much you can expect to pay for auto insurance with USAA, how you can make your premiums even lower, and some of the unique aspects of the company.

Car Insurance Rates for USAA Auto Insurance

USAA offers military members and their families some of the lowest car insurance prices in the nation, with average annual premiums ranging from $432 to $2,002. While the cost for each driver depends on many factors, here are some examples of average costs for different drivers:

  • Minimum coverage: The average annual cost of minimum car insurance coverage is $432.
  • Full coverage: Full auto insurance coverage costs significantly more, at around $2,002 per year. Full coverage includes collision and comprehensive coverage, which no states require by law.
  • Drivers in their 20s: Young people pay more for auto insurance than any other age group. Car insurance from USAA costs about $1,060 for someone in their 20s.
  • Drivers in their 30s: A 30-year-old could find considerable savings with USAA, with a minimum-coverage policy running around $430 annually.
  • Senior drivers: Car insurance rates generally decrease for older drivers. A senior driver with USAA could expect to pay $639 per year, on average.

Saving Money With USAA Insurance Discounts

Like many car insurance companies, USAA has multiple ways members can save money on their auto insurance:

  • Bundling: Stacking discounts is an easy way to save. USAA also offers RV, classic car, motorcycle, ATV, umbrella, renters and homeowners insurance.
  • Good grades: USAA offers a discount for full-time student drivers under age 25 who maintain a GPA of at least 3.0 or a B average.
  • Safe driver: Members who maintain good driving records for more than five years receive discounts.
  • Away from home: USAA offers a discount for unmarried, full-time students under age 29 who reside more than 100 miles from their home addresses without vehicles.
  • Defensive driving course: Customers who complete a USAA-approved basic driver training course could see savings on their annual premiums.
  • SafePilot: Members living in an eligible state could save up to 30 percent on their auto insurance through the company’s safe driving program, USAA SafePilot. SafePilot is a smartphone-based telematics program that tracks driving habits via an app.
  • Multivehicle: Adding coverage for two or more cars could trigger a multivehicle discount.
  • Newer vehicles: The company offers savings for customers who are insuring newer vehicles that are less than 3 years old.
  • Anti-theft devices: Members who have anti-theft devices installed on their insured vehicles receive a discount from USAA.
  • Stored vehicles: Customers who store their vehicles, such as during a deployment, could receive up to 60 percent off their auto insurance premiums.
  • Loyal member: Children whose parents have USAA could save up to 10 percent through a family discount when they get their own car insurance policies.

Favorite Features

Gap Insurance

If your vehicle is totaled in an accident, gap coverage could help you purchase another vehicle. When purchasing your vehicle, you can sign up for guaranteed asset protection (GAP) insurance through USAA. Gap coverage would pay the difference between how much you owe the lender for your vehicle and how much you originally paid for the vehicle. Your collision or comprehensive deductible still applies before gap coverage kicks in.

Rental Reimbursement

You can add rental reimbursement, sometimes called transportation expense coverage, to your auto insurance policy. USAA covers rentals when your covered vehicle repairs begin. If your vehicle isn’t drivable, simply make an Enterprise reservation online or through USAA’s mobile app to get your rental car the fastest.

Roadside Assistance

USAA car insurance policies typically cover the following roadside assistance tasks:

  • Tow: For mechanical trouble, USAA will tow a customer’s vehicle to a nearby repair shop.
  • Jump start: USAA will send someone to jump-start a dead battery.
  • Flat tire: The company will provide service to replace the flat if the car has a spare tire or will tow the vehicle to a service station.
  • Lockout: If a customer can’t get into the vehicle, the company can send a technician to unlock the car.
  • Fuel delivery: USAA will deliver fuel to a policyholder’s vehicle that runs out of gas. The customer will need to pay for the fuel itself, however.
  • Stuck vehicle: For customers whose vehicles get stuck in the mud or snow, the company will provide assistance to get them moving again.

Storing Your Car on a Military Base

USAA members who garage their vehicles on military installations could save up to 15 percent. The company provides guidelines for how to safely store a vehicle during a deployment. Many military bases offer designated parking lots for vehicles while the owners are on deployment.

Windshield Repair

The company also has a robust windshield insurance and repair service for its auto insurance policyholders. The policies usually cover the following:

  • Windshields: From small chips to entire windshields, USAA repairs or replaces the glass.
  • Side and rear windows: The company also fixes or replaces damaged side or rear windows.
  • Sunroofs and other windows: USAA makes damaged roof glass leakproof and fully operational.

However, most USAA car insurance policies do not cover damage to headlights, taillights, side markers, and fog lights.

In What States Is USAA Available?

Because USAA serves the military, the company offers auto insurance in all 50 states and Washington, D.C., as well as across the globe:

  • U.S. territories
  • Belgium
  • Cuba
  • France
  • Germany
  • Greece
  • Italy
  • Netherlands
  • Portugal (including the Azores)
  • South Korea
  • Spain
  • United Kingdom

Cancellation Policy

USAA customers can easily cancel their auto insurance policy by calling 800-531-USAA (8722) or by using the USAA app. Policyholders could receive a prorated refund if it’s applicable.

Company Background

In 1922, 25 Army officers joined forces to insure each other’s automobiles and founded USAA. Since then, USAA has grown as a membership-based organization that sells car insurance, among other services. The company started small and gradually expanded its membership to include more branches of service and family members.

  • 1923: USAA expanded its membership to include Navy and Marine Corps officers.
  • 1931: Membership doubled from 15,000 to 30,000.
  • 1934: Foreign Service officers, State Department officials, and their widows became eligible for USAA memberships.
  • 1948: The company welcomed Air Force officers as members.
  • 1961: USAA allowed officers resigning their commissions or leaving the service to retain their memberships as veterans.
  • 1996: Membership was extended to enlisted personnel.
  • 2008: The company included military retirees, regardless of when they retired, as members. After they join, their spouses and children might be eligible for membership, as well.
  • 2009: USAA opened its membership to all men and women who are serving or have honorably served in the U.S. military, and their families.

Contact Information

To receive car insurance quotes, you can contact USAA in a variety of ways:

  1. Phone: Call 210-531-8722 or 800-531-8722. The USAA call center is open Monday to Friday from 7 a.m. to 9 p.m. ET and Saturday from 9 a.m. to 9 p.m. ET. It is closed on Sundays and all major holidays.
  2. Online: Go to

Current members can call the same numbers or use the USAA app to make changes to their policies. Alternatively, USAA’s main mailing address is:

  • USAA
  • 9800 Fredericksburg Road
  • San Antonio, TX 78288


USAA prides itself on having competitive rates for auto insurance, as well as many ways members can save on their premiums. The company touts its exceptional service and claim handling, offering members easy ways to file auto insurance claims and receive roadside assistance. Read more to find out the answers to some frequently asked questions about USAA’s offerings.

Frequently Asked Questions

Who is eligible for USAA car insurance?

  • Active duty military
  • Children, including stepchildren, of active duty military and veterans
  • Spouses, unremarried former spouses, widowers, and widows of USAA members who joined prior to or during the marriage
  • Contracted ROTC cadets and midshipmen
  • National Guard and reservists
  • Officer and Warrant Officer candidates
  • Retired veterans with a discharge type of “Honorable” and “General Under Honorable Conditions”
  • Service academy appointees

How much does it cost to join USAA?

Joining USAA as a member is free. The company provides members with a variety of perks, as well as the ability to purchase auto insurance.

Does USAA raise rates for car accidents?

USAA may or may not raise rates for car accidents, depending on the circumstances. For example, the company doesn’t raise rates for at-fault accidents automatically if the policyholder has had car insurance with USAA for at least five years. Also, the company considers whether any drivers on the policy have had an accident over the location’s dollar threshold during the past five years. USAA will not charge additional premiums if the member’s policy has Declarations for Accident Forgiveness.

However, if these eligibility requirements don’t apply, the company will raise rates after car accidents.

How many miles will USAA tow a car?

USAA’s roadside assistance covers the first 50 miles for free. If a member chooses to have their vehicle towed farther than 50 miles, the member is responsible for paying for the extra mileage. Members can get roadside assistance even if they didn’t elect to have roadside coverage on their insurance policy. Rather, they would pay a special, USAA-negotiated rate, which is usually less than what a service provider would charge a consumer directly.