USAA Auto Insurance remains a standout option in 2025—especially for military families. With its consistent five-star rating, lower-than-average premiums, and comprehensive customer support, USAA’s reputation remains intact. Although it only serves a select group—military personnel and their families—it provides a uniquely tailored, value-driven insurance experience that’s hard to match.
Whether you’re actively serving or a veteran, knowing where your hard-earned dollars are going matters. This review covers everything you need to know about USAA in 2025—from pricing and coverage to mobile tools and customer satisfaction.
Table of Contents
Who Can Buy USAA Auto Insurance in 2025?
USAA’s auto insurance isn’t for everyone—and that’s intentional. This insurer focuses on providing exclusive benefits to:
Active duty military personnel
National Guard and Reserve members
Veterans (honorably discharged)
Eligible family members (spouses, children of USAA members)
This tight-knit eligibility ensures that every feature and service is tailored with military life in mind—from deployments to relocations.
USAA Membership Requirements Explained
Before signing up, you must become a USAA member. Fortunately, membership is free. You’ll need to verify your military affiliation, which can include military ID numbers, DD214 forms, or other documentation. Once verified, you gain access to not only auto insurance but a full suite of financial products like banking, investing, and real estate services.
How Big Is USAA in the Auto Insurance Industry?
As of 2025, USAA is the fifth-largest auto insurer in the U.S., holding a significant market share despite its limited customer base. Its consistent growth and loyal user base highlight the company’s effectiveness in meeting military families’ insurance needs.
USAA Auto Insurance Ratings in 2025
Here’s how USAA fares in 2025:
NerdWallet Rating: 5.0/5.0
NAIC Complaint Index: Lower than expected
Customer Satisfaction: 80/100 (Industry average is 79)
Financial Strength: A++ from AM Best
These numbers reflect strong customer service, reliability in claims processing, and excellent financial stability.
USAA’s 5-Star Rating: What It Means
USAA earned 5 stars for its outstanding customer experience, cost-effective pricing, and efficient claim processes. The rating formula considers:
National Association of Insurance Commissioners (NAIC)Â complaint data
Financial strength assessments
Consumer satisfaction surveys
Ease of use and technological support
How Much Does USAA Auto Insurance Cost?
Average annual full coverage premium: $1,464
National average: $2,290
Yes, you read that right. USAA’s rates are significantly lower than the national average. For military families watching every dollar, this can mean major annual savings.
USAA Full vs. Minimum Coverage Pricing
| Company | Full Coverage | Minimum Coverage |
|---|---|---|
| USAA | $1,464 | $371 |
| Allstate | $2,961 | $733 |
| State Farm | $2,169 | $497 |
| GEICO | $2,004 | $482 |
These rates are based on a 35-year-old driver with a clean driving history and good credit. Your actual price may differ based on location, car, and risk factors.
USAA Rates vs. Other Top Insurers in 2025
In every key pricing category, USAA undercuts competitors. Whether it’s after a speeding ticket or a DUI, you’ll find more affordable rates through USAA:
| Scenario | USAA Rate | National Avg. |
|---|---|---|
| One speeding ticket | $1,768 | $2,909 |
| At-fault accident | $2,131 | $3,400 |
| DUI | $2,840 | $4,272 |
| Poor credit | $2,672 | $3,792 |
Why USAA Rates Vary by Location
Auto insurance rates aren’t uniform across states. Factors like state regulations, weather risks, and urban traffic all affect pricing. Luckily, USAA’s affordability shines even in high-cost states.
USAA Premiums for Accidents, DUIs & Poor Credit
USAA offers leniency compared to competitors when drivers face minor infractions or credit challenges. This compassion stems from understanding that military life involves unique stressors.
USAA Auto Insurance Coverage Details
What Does a Basic USAA Policy Include?
Liability coverage (bodily injury & property damage)
Collision coverage
Comprehensive coverage
Uninsured/underinsured motorist
Personal injury protection
Add-ons Like Accident Forgiveness & Rideshare
Accident Forgiveness: Free in some states after 5 accident-free years
Rideshare Insurance: Covers gaps between personal and commercial driving
Car Replacement Assistance: Adds 20% to your car’s value if totaled
What is USAA SafePilot and Is It Worth It?
SafePilot is USAA’s telematics program that rewards good driving. Here’s what you get:
10% discount for signing up
Up to 30% discount for safe behavior (e.g., no hard braking, reduced phone use)
Great for cautious drivers and those who don’t mind being tracked.
Benefits Like Military Storage and Deployment Discounts
Military families can take advantage of unique perks such as:
Storage discounts for deployed vehicles
Base garaging discounts
Vehicle lay-up periods for inactive use
Complete List of USAA Car Insurance Discounts
Good student
Defensive driving course
New vehicle (less than 3 years old)
Low mileage
Anti-theft device
Family legacy discount (if previously a dependent)
Military base vehicle storage
Multi-policy and multi-vehicle bundling
Using the USAA Mobile App for Auto Insurance
The USAA app is highly rated and packed with features:
Digital ID cards
Roadside assistance requests
Claims filing
Bill payments
Secure document uploads
Available on both Android and iOS.
How to File a USAA Auto Insurance Claim
Filing a claim is straightforward:
Online via the USAA portal
Through the mobile app
By calling 800-531-8722
Fax at 800-531-8669
Expect a quick response, usually within 24 hours.
What Do Policyholders Say About USAA?
Most customer reviews highlight:
Responsive claims processing
Friendly customer service
Transparent pricing
Ease of app and website use
NAIC Complaint Data Analysis for USAA
The National Association of Insurance Commissioners (NAIC) shows that USAA has fewer complaints than expected for its size—a testament to overall satisfaction.
USAA Customer Satisfaction in 2025
A recent NerdWallet survey rated USAA 80/100, above the industry average. High marks were given for:
Claim satisfaction
Policyholder communication
Renewal process
Is the USAA Website User-Friendly?
Yes, and then some. Their website is intuitive, offering calculators, coverage explainers, and personalized quotes in under five minutes.
Other Insurance Products from USAA
USAA also offers:
Homeowners and renters insurance
Life insurance (term and permanent)
Umbrella and personal property coverage
Specialized insurance for motorcycles, boats, RVs, and more
Why Bundling Policies with USAA Saves Money
Bundling auto, home, and life policies with USAA can unlock significant savings—up to 10% in many states. It also simplifies your insurance experience by managing all policies in one portal.
Integrating Banking with USAA Insurance
One of USAA’s biggest strengths is that it also acts as a bank. You can:
Pay premiums directly from a USAA bank account
Access discounts for using USAA credit cards
Combine financial tools for budgeting and saving
Planning Your Finances Through USAA
USAA doesn’t stop at insurance—they offer:
Retirement planning
Investment advisory services
Financial calculators
College savings plans
How to Contact USAA for Car Insurance Help
Phone: 800-531-8722
Hours: Weekdays 6 a.m. – 10 p.m. CT, Saturdays 8 a.m. – 8 p.m. CT
Website: usaa.com
Frequently Asked Questions About USAA Auto Insurance
Can civilians buy USAA insurance?
No. Only military members, veterans, and eligible family members can join.
Is USAA the cheapest car insurance?
For its eligible group, it often is—especially for those with clean records.
Does USAA cover rideshare driving?
Yes, with an optional rideshare policy add-on.
Is USAA good after an accident?
Yes. They offer accident forgiveness and fast claims processing.
Can I file a claim using the mobile app?
Absolutely. It’s quick, secure, and easy.
Does USAA offer roadside assistance?
Yes, and it can be requested directly through the app.
Is USAA Auto Insurance a Good Choice in 2025?
Absolutely. If you’re part of the military community, USAA delivers unmatched value, excellent customer care, and low premiums. While it’s not for everyone, those who qualify often become lifelong policyholders. It’s a company built on trust, service, and savings—something that matters even more in 2025’s uncertain times.