USAA Insurance review 2025

USAA car insurance cost

According to proprietary rate data from Quadrant Information Services, the average cost for a full coverage policy from USAA in May 2025 is $2,068 per year. A minimum coverage policy from USAA is, on average, $597 per year. For comparison, the May 2025 national average cost of car insurance is $2,692 and $808, respectively. However, car insurance premiums are highly individualized, so you may pay more or less than average depending on your rating factors. Obtaining a free car insurance quote is the best way to see what your rate with USAA can be.

How much is USAA car insurance?

Auto insurance companies look at several rating factors to determine your premium, including your driving history. Drivers that have at-fault accidents or moving violations on their driving records may expect to pay higher premiums, as demonstrated in the tables below.

DUIs are also usually heavily weighted during the underwriting process, but not all companies will offer a policy to drivers with this type of driving infraction. Although Bankrate sources proprietary rate data from Quadrant Information Services and tracks car insurance premium trends over time, you will need to contact an agent at your insurance company for more information on DUI rates and eligibility.

USAA car insurance quotes by age

The National Highway Traffic Safety Administration reports that 8.5 percent of all fatal car accidents in 2021 involved a driver under 20. Younger drivers typically pay more for car insurance than any other group due to their higher risk as long as they live in a state that allows insurers to use age as a rating factor. However, how much a young driver costs to insure may depend on whether they are listed on their parent's policy or if they have a policy of their own.

The rate data below may help paint a picture of how much extra young drivers cost to insure. Please note that these rates are based on a clean driving record.

Compare USAA car insurance rates

Car insurance rates can vary significantly among companies due to differences in coverage options, discounts, customer demographics and underwriting standards. While some insurers may offer lower rates to attract a wider customer base, others might focus on providing more personalized services or specialized coverages, which could lead to higher premiums. USAA's car insurance rates are typically lower than the national average and are often more competitive compared to other major insurers on the list, such as State Farm Progressive and Allstate. This affordability is particularly noteworthy for USAA's target demographic of military members and their families, making it a potentially appealing choice for those eligible for its services.

USAA customer satisfaction

To measure a company’s customer satisfaction, Bankrate’s insurance editorial team studies third-party scores issued by J.D. Power, which rates companies based on different areas of customer satisfaction up to 1,000 points for each study. The higher a company’s score, the higher that company’s level of customer satisfaction for the topic indicated. Since joining USAA is only allowed through a membership program, it does not have an official J.D. Power ranking, but it is provided with a score to allow consumers to compare it with other carriers. As you can see, USAA scores very well in J.D. Power’s 2023 Digital Experience study for servicing your policy online, but falls well below average when it comes to the opinion of customers trying to shop for insurance online.

In addition to these scores, we also reviewed USAA’s AM Best rating, which analyzes a company's financial strength and creditworthiness. USAA earned the highest score possible, indicating it is considered extremely financially sound.

USAA auto claims satisfaction

USAA auto insurance customer complaints

USAA car insurance discounts

USAA may have some of the cheapest car insurance, but it also offers plenty of discounts that could help you save even more. Although not all of these discounts are available in all states, some stand-out savings opportunities include:

• Military on-base discount: If you garage your car on a military base, you could save up to 15 percent on your comprehensive coverage.
• Annual mileage and storage discounts: Military members may drive their cars less than average. With USAA, you could receive a discount for low annual miles or if you put your vehicle in storage.
• Family discount: Drivers whose parents have a USAA auto policy could save up to 10 percent on their own auto policy.
• SafePilot: Drivers could save up to 30 percent through USAA’s telematics-based discount, SafePilot.

USAA home insurance cost

As with its auto insurance, many homeowners may find cheaper-than-average rates with USAA after comparing home rates with other carriers. Nationally, the average cost of a homeowners policy in May 2025 is $2,329 per year for $300,000 in dwelling coverage. In comparison, USAA’s average annual homeowners insurance rate is $1,253 for the same coverage level.

Compare USAA homeowners insurance rates

Homeowners insurance rates can vary significantly by company, influenced by factors like location, home value and coverage options. USAA's rates for homeowners insurance are typically lower than the national average and tend to be more competitive than the rates offered by many providers on this list. It's important to note, however, that individual rates may vary and are influenced by a variety of factors specific to the homeowner and the property insured.

USAA customer satisfaction

To measure a company’s customer satisfaction, Bankrate’s insurance editorial team studies third-party scores issued by J.D. Power, which rates companies based on different areas of customer satisfaction up to 1,000 points for each study. The higher a company’s score, the higher that company’s level of customer satisfaction for the topic indicated. Since joining USAA is only allowed through a membership program, it does not have an official J.D. Power ranking, but it is provided with a score to allow consumers to compare it with other carriers. 

USAA homeowners claims satisfaction

USAA home insurance customer complaints

USAA home insurance discounts

Although USAA’s average home insurance rates are already lower than the national average, the company offers a few discounts that could help you save even more. Some of its options include:

• Protective device credit: Homeowners installing a monitored fire alarm or security system could earn up to a 5 percent discount.
• Connected home discount: Qualifying devices that monitor for leaks, fire and burglaries may net up to a 7 percent reduction in premiums.
• Loyalty savings: Insuring your property continuously with USAA for three years could lead to a 5 percent discount.

Pros and cons of USAA life insurance

USAA life insurance may not fit everyone’s needs, as each life insurance company caters to different types of needs. Here’s some information that may help you decide:

USAA life insurance riders

USAA offers a variety of life insurance riders to enhance the coverage of its policies. These riders allow policyholders to tailor their life insurance to better meet their specific needs, providing additional peace of mind. Below are some of the rider options available:

• Waiver of premium: If the insured becomes disabled, this rider could waive the premium payments. It's available for insured individuals aged 15 to 55, with specific forms varying by state.
• Term life insurance for children rider: This option provides term life insurance for children under the parent's policy, though availability may vary by state.
• Accelerated death benefit rider: Offered at no additional cost, this rider allows for an early, partial payout of the death benefit if the insured is diagnosed with a terminal illness expected to result in death within 12 to 24 months, depending on the state.
• Military protection plus: Specifically designed for military members, this level of term life insurance includes riders for severe injury benefits and future insurability after leaving the military, with terms and conditions applying.
• Term life event option rider: This rider provides a one-time option to purchase additional term life insurance upon certain life events without additional medical underwriting, subject to rider terms.
• Life event option (LEO) rider for simplified whole life: Allows for the request of additional whole life insurance coverage after specified life events, up to six times, with the total coverage after increases limited to $1 million.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
• Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
• Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.