USAA Car and Home Insurance Review: Great Rates and Customer Service
$1,199
$398
Pros
Top-tier customer satisfaction rates
Available in all 50 states and Washington, D.C.
Wide range of insurance coverage and banking products
Easy online quotes
Cons
Only available for active-duty and veteran military, as well as their spouses and children
No local agencies
Is USAA a good company?
USAA car and home insurance are excellent options for active and veteran military members and their immediate families. On average, USAA has low rates compared to other insurers. Its customer satisfaction ratings are superior, too.
USAA had the top customer satisfaction index score in all 11 U.S. regions, according to J.D. Power’s 2023 car insurance study.
It also did well on the National Association of Insurance Commissioners complaint index, which compares the number of customer complaints to the average for similar-sized companies. USAA received a 0.9, where 1.0 is the average score.
USAA is in a strong financial position to pay out all claims, according to A.M. Best, which gives it an A++ rating.
How much is USAA car insurance?
USAA has the cheapest full-coverage rates of all the major car insurance companies we surveyed ($1,199 a year on average) and the lowest liability-only coverage ($398 a year on average).
Its typical full-coverage rate is 39% cheaper than the national average of $1,970 a year.
USAA car insurance rate comparison
| Company | Full coverage | Liability coverage |
|---|---|---|
| USAA | $1,199 | $398 |
| Erie | $1,270 | $497 |
| State Farm | $1,487 | $597 |
| Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
| Farm Bureau | $1,931 | $548 |
| Geico | $1,937 | $727 |
| Progressive | $2,032 | $791 |
| Nationwide | $2,226 | $963 |
| Amica | $2,548 | $1,098 |
| Allstate | $2,609 | $1,158 |
| Farmers | $3,091 | $1,188 |
| AAA | $3,835 | $1,520 |
USAA car insurance cost for a bad driving record
Among the major insurers we surveyed, USAA has the second-lowest average car insurance rate for drivers with a traffic ticket on their record, at $1,457 a year. (Erie has the lowest rate, at just $1 less than USAA’s.)
USAA also has the second-cheapest rate for drivers with an at-fault accident, at $1,658 a year. (Erie is again the cheapest, at $1,597 a year.)
Similarly, drivers with a conviction for driving under the influence (DUI) will find the second-cheapest average rate at USAA, at $2,252 a year. (Here, too, Erie is the most affordable, at $2,172 a year.)
USAA average annual rate by incident
| Company | Clean record | Ticket | Accident | DUI |
|---|---|---|---|---|
| USAA | $1,199 | $1,457 | $1,658 | $2,252 |
| Erie | $1,270 | $1,456 | $1,597 | $2,172 |
| State Farm | $1,487 | $1,616 | $1,843 | $4,402 |
| Country Financial | $1,600 | $2,114 | $2,336 | $2,459 |
| Travelers | $1,919 | $2,468 | $2,699 | $2,893 |
| American Family | $1,920 | $2,352 | $2,980 | $3,114 |
| Farm Bureau | $1,931 | $2,191 | $2,662 | $3,343 |
| Geico | $1,937 | $2,493 | $3,341 | $4,584 |
| Nationwide | $2,226 | $2,839 | $3,460 | $4,376 |
| Amica | $2,548 | $2,739 | $3,943 | $8,905 |
| Allstate | $2,609 | $3,073 | $4,125 | $3,875 |
| Farmers | $3,091 | $4,252 | $4,598 | $4,758 |
| AAA | $3,835 | $4,925 | $6,454 | $7,867 |
USAA car insurance rates for teens
USAA is a good choice for qualifying teens looking for car insurance. Its average rate for young drivers is $2,847 a year, or 51% cheaper than the national average rate to insure an 18-year-old driver, at $5,824 a year.
Among major insurers, only Country Financial was cheaper, at $2,226 a year.
USAA average car insurance rate for 18-year-old drivers
| Company | Full coverage for 18-year-old | Liability coverage for 18-year-old |
|---|---|---|
| Country Financial | $2,226 | $1,401 |
| USAA | $2,847 | $1,030 |
| Erie | $3,086 | $1,264 |
| State Farm | $4,128 | $1,811 |
| Farm Bureau | $4,451 | $1,574 |
| Geico | $5,048 | $2,044 |
| American Family | $5,413 | $2,364 |
| Travelers | $5,758 | $2,655 |
| Allstate | $7,668 | $3,399 |
| Nationwide | $7,743 | $3,371 |
| Progressive | $8,495 | $3,193 |
| Amica | $9,052 | $4,071 |
| AAA | $9,111 | $4,075 |
| Farmers | $9,354 | $4,227 |
USAA car insurance discounts
USAA has many discounts to help their auto policy customers save money on their annual car insurance costs, such as:
- Bundling: If you bundle your auto insurance with a USAA home insurance policy, you could save up to 10% on your annual premium.
- MyUSAA Legacy Discount: If you were named on your family’s USAA insurance policy, are under 25 years old and have had no major violations three years before getting your own policy, you could save 10% on your auto insurance.
- USAA SafePilot: If you live in a qualifying state, are eligible for the program and install the USAA SafePilot app, you could get a 30% discount.
Other available discounts include:
- Safe driver
- Good student
- Multi-driver
- New car
- Anti-theft device
USAA also has discounts especially tailored to the military, including:
- If you’re deployed or storing your car, you can save up to 60% on your auto insurance.
- There’s a 15% discount if you store your car at a military installation.
USAA car insurance coverage
Besides offering liability-only car insurance and full coverage (which includes liability, collision and comprehensive coverage), USAA also offers these add-ons:
- Accident forgiveness: USAA will forgive the first accident on your record. You can either purchase it as an add-on or get it for free if you go five years without an accident.
- Rental car reimbursement: This coverage can help pay for a rental car while your car is being repaired after an accident.
- Roadside assistance: USAA can get you back on the road or help tow your car.
- Rideshare coverage: If you drive for a service like Uber or Lyft, this coverage offers protection while you’re on the app or waiting for a rider or delivery request.
How much is USAA homeowners insurance?
USAA charges $2,720 a year for home insurance, on average. This is 3% cheaper than the national average rate of $2,801.
Average home insurance rate by company
| Company | Annual rate | Monthly rate |
|---|---|---|
| Erie | $2,055 | $171 |
| State Farm | $2,427 | $202 |
| Allstate | $2,560 | $213 |
| Chubb | $2,606 | $217 |
| ASI | $2,648 | $221 |
| USAA | $2,720 | $227 |
| Country | $2,827 | $236 |
| Nationwide | $3,055 | $255 |
| American Family | $3,072 | $256 |
| Travelers | $3,149 | $262 |
| Farm Bureau | $3,639 | $303 |
| Farmers | $3,801 | $317 |
USAA home insurance rates by state
Among the states where USAA is available, its average home insurance rates range from $1,197 a year in West Virginia to $6,209 a year in Oklahoma.
Average USAA rate by state
| State | Annual rate |
|---|---|
| Alabama | $2,460 |
| Alaska | $1,393 |
| Arizona | $1,785 |
| Arkansas | $3,810 |
| California | NA |
| Colorado | $3,502 |
| Connecticut | $2,022 |
| Delaware | NA |
| District of Columbia | $1,603 |
| Florida | NA |
| Georgia | $2,683 |
| Hawaii | NA |
| Idaho | $1,835 |
| Illinois | $2,013 |
| Indiana | $2,281 |
| Iowa | $2,230 |
| Kansas | NA |
| Kentucky | NA |
| Louisiana | $3,589 |
| Maine | NA |
| Maryland | $1,759 |
| Massachusetts | NA |
| Michigan | NA |
| Minnesota | NA |
| Mississippi | $3,432 |
| Missouri | $2,424 |
| Montana | $2,843 |
| Nebraska | $5,378 |
| Nevada | $1,723 |
| New Hampshire | $4,996 |
| New Jersey | NA |
| New Mexico | NA |
| New York | NA |
| North Carolina | $4,912 |
| North Dakota | NA |
| Ohio | $1,553 |
| Oklahoma | $6,209 |
| Oregon | NA |
| Pennsylvania | $1,358 |
| Rhode Island | NA |
| South Carolina | $2,911 |
| South Dakota | $3,176 |
| Tennessee | $2,611 |
| Texas | $3,850 |
| Utah | $1,633 |
| Vermont | $1,580 |
| Virginia | NA |
| Washington | $1,308 |
| West Virginia | $1,197 |
| Wisconsin | $1,673 |
| Wyoming | $2,132 |
Rates not available (NA) for every state where USAA offers home insurance.
USAA home insurance discounts
USAA offers few home insurance discounts compared to other top companies.
USAA’s available discounts include up to 10% savings if you bundle your car and home insurance policies with the company, and up to 5% off your premium if you have a monitored fire or security system installed.
Home insurance discounts by company
| Discount | USAA | State Farm | Allstate | Travelers |
|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes |
| Safety devices | Yes | Yes | Yes | Yes |
| Advance quote | No | Unclear | Yes | Yes |
USAA home insurance coverage
USAA’s standard home insurance coverage handles the basics, including:
- Dwelling coverage: This coverage pays to repair damage to the structure and built-in systems of your home.
- Other structures: Covers external structures like fences, storage sheds and even driveways.
- Personal property: Protects your clothes, furniture and electronics from damage or destruction by perils like fire or flooding.
- Personal liability: If you are responsible for injuries or property damage, USAA home insurance covers your legal fees up to policy limits.
- Medical payments: Covers medical-related expenses to others after an accident you cause.
- Loss of use: This coverage handles extra expenses tied to temporarily relocating while covered damages to your home are repaired.
- Identity theft: USAA home insurance covers up to $5,000 to help with expenses tied to repairing your stolen identity.
USAA has some home insurance perks that separate it from its competitors. One example is its offer of home insurance coverage at replacement cost, which means damage to your home is repaired without factoring in depreciation.
USAA policyholders also don’t pay a deductible on claims involving personally-owned military equipment like uniforms and body armor.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.