For more than 100 years, USAA has been serving the military community with auto and other insurance. In fact, in 2023, we designated USAA as the best auto insurance for military and veterans. USAA offers its members a wide range of car insurance, including usage-based insurance.
USAA has usage-based insurance (UBI), which can provide significant savings to those who drive less. Military service members who are deployed overseas or those who don’t drive much stateside will see lower premiums. USAA allows drivers with UBI to pay for coverage by the month, rather than every six or 12 months, giving them flexibility to adjust insurance rates depending on the number of miles driven with the current policy period.
USAA also offers safe driving discounts through its telematics program, SafePilot. You could realize up to 30 percent off your auto insurance premium by participating in the program, including a 10 percent discount when you enroll.
Like similar telematics programs, the SafePilot app tracks your driving and logs your trips automatically, with USAA providing a new insurance rate whenever your policy renews. With each renewal, your driving score with SafePilot resets.
In addition, you can see savings when you maintain a good driving record for more than five years. If you successfully complete an approved basic driver training or defensive driving course, you could get a discount as well.
USAA’s SafePilot shares information with you so you can learn about your driving habits and see how you can drive even safer. Data collected includes how much you drive, how often you brake suddenly, and how often you use your phone while behind the wheel.
USAA ranks high on customer satisfaction ratings from third-party companies. For example, while J.D. Power doesn’t rank the company because it offers policies to military families only, J.D. Power observed the insurance carrier outranks every other insurance company in every region, with an average customer satisfaction rating of 884.1
On financial strength, AM Best gave USAA an A++ rating,2 which means the company has superior creditworthiness. The Better Business Bureau also does not accredit USAA, but it does provide a customer satisfaction rating of 1.2 out of 5 stars.3 Many of the complaints refer to other services USAA provides, such as homeowners insurance and credit cards, and the auto insurance-related complaints centered on delayed processing of claims.
Standard & Poor’s (S&P) assigned USAA a rating of AA+, the second-highest rating available.4 This score shows S&P views USAA with high confidence and that the company will be able to repay its debts with a low default risk.
For members of the military, having access to insurance when stationed or deployed overseas is extremely important. USAA offers insurance policies designed to make deployment or international moves as seamless as possible, such as liability coverage, vehicle storage, and personal injury coverage.
The company provides car insurance all across the United States and U.S. territories, as well as the following international locations:
- Puerto Rico
- South Korea
- United Kingdom