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USAA Car Insurance

Smart Score

95

Industry Average: 75

Smart Score

95
/100

Industry Average: 75

Customer Service

9.7
/10

Industry Average: 7.7

Claims Process

9.6
/10

Industry Average: 8

Value for Price

9.2
/10

Industry Average: 7

USAA Overview

Only available for active military members, veterans and their families, USAA holds a strong tradition of customer satisfaction and loyalty and provides a full range of highly competitive financial products for over 90 years. Cadets and midshipmen also qualify. Its members rely on USAA to suggest products and services that meet their financial needs, and take advantage of their Auto Circle car buying service, guaranteed policy renewal, and additional coverages like roadside assistance. Customers can also invest and bank through USAA.

Lines of Business:

USAA Ratings Breakdown

Smart Score

95

USAA: 95
Industry Average: 75
USAA: 95
Industry Average: 75

Why our Smart Score matters

USAA’s Smart Score of 95 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering USAA’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 95, USAA rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

9.7

USAA: 9.7
Industry Average: 7.7
USAA: 9.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with USAA’s representatives, and their experience with online tools like quoting and managing a policy via website or app. USAA’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from USAA’s service score of 9.7, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


The ratings between sources are very consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 9.4 and 10. With those tiny bounds, we’re very confident about the accuracy of their 9.7 rating.

Claims Process

9.6

USAA: 9.6
Industry Average: 8
USAA: 9.6
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with USAA. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast USAA handles it.


USAA’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with USAA.


What does this mean for you?

Evident from a claims score of 9.6, USAA has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources are very consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 9.3 and 9.9. With those tiny bounds, we’re very confident about the accuracy of their 9.6 rating.

Value for Price

9.2

USAA: 9.2
Industry Average: 7
USAA: 9.2
Industry Average: 7

USAA’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How USAA comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

USAA’s value for price score of 9.2 is excellent compared to the average of 7 from other auto insurance companies.

The ratings between sources are very consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 8.7 and 9.7. With those tiny bounds, we’re very confident about the accuracy of their rating.

USAA Auto Official Complaints

Official Complaints

Average

Tracks how many more or less official complaints USAA has than average. With an index of 0.9 USAA is about average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints USAA has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) USAA has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.9 USAA falls in the middle of the pack.

Customer Reviews

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0 Reviews

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100%

of customers would reccomend this company to a friend

23 customer reviews

HonestPolicy User

Auto Customer

USAA has provided great service - whenever we have filed a claim they have been prompt to investigate and pay the claim. Great customer service - responsive and supportive.

Price Value: 4

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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HonestPolicy User

Auto Customer

USAA provides excellent auto insurance coverage for a reasonable price.They handle claims promptly.I am very satisfied with USAA and would recommend them to anyone looking for auto insurance.

Price Value: 5

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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HonestPolicy User

Auto Customer

I like my auto insurance company because I feel the rates are reasonable, but more importantly they haven't been difficult to deal with when I've needed repair work done.Plus the fact that not everyone can join them makes it feel exclusive.

Price Value: 5

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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HonestPolicy User

Auto Customer

I would recommend USAA to anyone looking for homeowners insurance and is in the military or attached to the military in some way. They are quick and easy to use and there is never any hassle. I have a minimal wait time when calling in and I can always count on them to protect my home.

Price Value: -

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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HonestPolicy User

Auto Customer

USAA is great. I can always speak with a real person and get questions answered. Policy is easy to read and update.

Price Value: -

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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HonestPolicy User

Auto Customer

USAA is easy to deal with. They offer various policies at competitive prices. They are also easy to contact when I have a question about my policy. They are willing to cater a policy to the needs of the homeowner.

Price Value: 4

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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USAA Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by USAA

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Accident Forgiveness

Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.

Extended Coverage

Variety of extra coverages such as gap coverage, rental reimbursement and roadside assistance.

USAA availability in these states

USAA Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe USAA has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

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How does USAA compare to other insurance companies? Click the following links below to compare USAA to other top insurance companies.

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