USAA Auto Insurance
Car insurance rates in the U.S. have been climbing so much in recent years that it's really gotten to the point where you need to carefully review your bill at every renewal.
If you or a family member have a military service background, USAA is definitely worth getting a quote from!
Currently, those who qualify for USAA membership primarily include Active-Duty Military, National Guard and Reservists, eligible Veterans, as well as spouses and children of certain USAA members.
- Why does USAA auto insurance consistently have a solid reputation?
A very practical reason is that their pricing is often competitive. While no single insurance company is guaranteed to be the cheapest for everyone, USAA does offer quite a few discounts. For example, multi-vehicle policies, Auto + Home bundling, new cars, and eligible military-exclusive perks. When your Auto and Property policies qualify, their website currently states you can save up to 10%!
If you're generally a safe driver, you might also want to check out their SafePilot program. Simply put, you enable driving tracking on your phone, and the app records hard braking, phone usage, driving time, and other behaviors. In eligible areas, you can get up to a 15% Participation Discount when you sign up, and depending on your driving performance, you can earn up to a 30% Discount at renewal.
- Claims handling is also one of USAA's strong points
In the J.D. Power 2025 U.S. Auto Insurance Claims Satisfaction Study, USAA scored 741/1000, well above the industry average of 700. Because USAA only serves a specific eligible population, they don't participate in the official rankings, but looking at the score alone, they fall into one of the top tiers in the survey.
- Of course, USAA isn't a no-brainer either
First, there's the Eligibility requirement mentioned earlier — that's the biggest hurdle. Second, don't assume USAA is automatically cheaper than Progressive, GEICO, or State Farm just because you often see "USAA is cheap" online. Auto insurance pricing in the U.S. is highly dependent on your personal profile — even changing your ZIP code with the same insurer can make a significant difference.
- Who is most worth getting a quote?
If you're active-duty or retired military, a military spouse, or a family member who already has a USAA membership, and you happen to be facing a rate increase at your next auto insurance renewal, I think USAA is definitely worth adding to your comparison list. Especially if your household has 2 or more vehicles, or if you also need Homeowners/Renters Insurance — it's worth comparing the pricing with Multi-Car and Bundle discounts applied.
