When it comes to insurance, the fine line between great service and a financial headache can often be determined by your provider. Enter USAA, a company long revered for its dedication to military members, veterans, and their families. But is it still the gold standard in 2025? Let’s dive into the pros, cons, coverage options, and pricing to see if USAA deserves your hard-earned dollars.
What’s New With USAA in 2025?
USAA has kept things interesting this year with a strategic partnership with Aflac. This move expands its insurance offerings to include supplemental coverage like accident, cancer, and critical illness insurance, giving members more ways to protect themselves financially.
On a less celebratory note, the company settled a $3.25 million lawsuit in December 2024 after a data security breach in 2021. While this raises some concerns about data protection, USAA remains a trusted name in the insurance industry.
USAA Car Insurance Review: Strong, But Is It The Best?
USAA consistently ranks among the top car insurance providers in the country. According to the 2024 J.D. Power U.S. Auto Insurance Study, it scored the highest in customer satisfaction in every region—a major achievement.
USAA Auto Insurance Pros & Cons
✅ Pros:
- Military-focused benefits like international coverage for active-duty members.
- Top-tier customer satisfaction scores.
- Lower-than-average premiums for qualifying members.
❌ Cons:
- Strict eligibility criteria (only military members, veterans, and their families).
- No 24/7 customer service on Sundays.
- No local agents—online or phone support only.
How Much Does USAA Car Insurance Cost?
Here’s how USAA’s full coverage rates compare to the national average:
| Driver Profile | USAA Annual Premium | National Average |
|---|---|---|
| Good driver, good credit | $1,897 | $2,638 |
| Good driver, poor credit | $3,474 | $4,644 |
| Speeding ticket | $2,268 | $3,204 |
| At-fault accident | $2,736 | $3,774 |
| DUI conviction | $3,578 | $5,106 |
💡 Takeaway: USAA consistently offers cheaper rates, especially for safe drivers.
USAA Auto Insurance Discounts
- SafePilot Program – Telematics program that rewards good driving.
- Family Discounts – Benefits for military families and multi-policy holders.
- Storage Discount – Ideal for deployed members who park their cars for long periods.
USAA Home Insurance Review: A Solid Choice for Military Families
If you qualify, USAA’s home insurance could save you hundreds per year compared to national averages. It offers free replacement cost coverage—a rare perk that ensures your home is rebuilt to its original state, not depreciated value.
USAA Home Insurance Pros & Cons
✅ Pros:
- Competitive pricing—lower than most major providers.
- Highly rated customer service.
- Coverage for military uniforms damaged in duty.
❌ Cons:
- Eligibility restrictions—not available to the general public.
- Fewer discount options compared to some competitors.
USAA Home Insurance Cost Comparison
| Dwelling Coverage | USAA Annual Premium | National Average |
|---|---|---|
| $150K | $841 | $1,344 |
| $300K | $1,289 | $2,181 |
| $350K | $1,415 | $2,430 |
| $450K | $1,691 | $2,934 |
| $750K | $2,481 | $4,189 |
💡 Bottom Line: USAA consistently undercuts the national average, making it a cost-effective choice.
USAA Life Insurance Review: Worth It?
Unlike its auto and home insurance, USAA’s life insurance is available to all U.S. citizens. It offers a range of policies, including term life, whole life, and universal life.
Pros & Cons of USAA Life Insurance
✅ Pros:
- No military connection required to apply.
- Option to convert term life to permanent life.
- Competitive rates for term life policies.
❌ Cons:
- Medical exams required for many policies.
- Limited policy options compared to top competitors.
🔍 New for 2025: USAA now partners with Aflac for supplemental insurance like cancer and critical illness coverage.
How Does USAA Compare to Other Insurance Providers?
If you’re eligible, USAA is one of the best options available, but how does it stack up against the competition?
| Company | Full Coverage Auto Premium | J.D. Power Auto Score | AM Best Rating |
|---|---|---|---|
| USAA | $1,897 | 726/1000 | A++ (Superior) |
| Geico | $2,173 | 692/1000 | A++ (Superior) |
| Liberty Mutual | Not Available | 717/1000 | A (Excellent) |
💡 Key Takeaway: USAA outperforms Geico and Liberty Mutual in J.D. Power scores, and its rates are generally cheaper.
Real Customer Reviews: Is USAA Worth It?
Curious about what real policyholders think? We checked Reddit and Quora for candid opinions.
Positive Reviews:
🗣 Reddit User 1: “I’ve had three claims in 10 years, and they handled each one efficiently. No long holds, no headaches.”
🗣 Quora User 1: “Every year, I get a refund on my premiums from my subscriber savings account. Nice perk!”
Negative Reviews:
🗣 Reddit User 2: “Been with USAA for 40 years. The first 27 years were great. The last 13? Not so much.”
🗣 Quora User 2: “USAA used to be a great company, but now they punish you for financial hardship rather than helping.”
Is USAA Right for You?
USAA is a top choice for military members and their families, offering high customer satisfaction, strong financial stability, and competitive rates. However, if you’re not eligible or prefer in-person service, you may want to explore alternatives.
Who Should Choose USAA?
✔ Military members, veterans, and their families.
✔ Drivers looking for affordable car insurance.
✔ Homeowners who want great coverage at a lower price.
Who Should Look Elsewhere?
❌ Anyone who wants in-person customer service.
❌ Drivers with multiple violations (other insurers may offer better forgiveness programs).
Final Verdict
USAA continues to set the bar for military-focused insurance, with high customer satisfaction, affordable rates, and strong financial backing. However, the lack of local agents and stricter eligibility criteria may not work for everyone.
📌 Want to see if USAA is your best option? Get a personalized quote today!