USAA Auto Insurance Review 2024

USAA Auto Insurance Review 2024: Serving Those Who Serve


USAA, the fifth-largest auto insurer in the United States, has garnered a stellar 5-star rating for overall performance, reflecting its commitment to customer satisfaction. This review delves into the pros and cons of USAA’s auto insurance offerings, highlighting key features, pricing, and coverage options exclusive to active military members, veterans, and their families.


  1. High Customer Satisfaction:
  • USAA boasts high customer satisfaction ratings, reflecting its dedication to providing exceptional service to its members.
  1. Comprehensive One-Stop Shop:
  • Beyond insurance, USAA serves as a one-stop shop, offering a range of banking and investing products to satisfy the diverse financial needs of its members.
  1. Nationwide Availability:
  • Policies are available in all states, including Washington, D.C., ensuring a broad reach for eligible members.


  1. Exclusive Eligibility:
  • USAA auto insurance is limited to active military members, veterans, and their families, restricting access for the general public.

Pricing and Cost:

  1. Competitive Pricing:
  • USAA’s average annual premium for full coverage insurance is $1,432, positioning itself as a cost-effective choice.
  • The average annual rate is over $500 less than the national average, reflecting affordability.
  1. Eligibility Criteria:
  • USAA policies are available solely to active military members, veterans, and their families.

Coverage Offerings:

  1. Standard Coverage:
  • USAA provides typical auto insurance coverage, meeting state requirements and ensuring essential protection.
  1. Specialized Coverage Options:
  • Accident Forgiveness: Offered after five years accident-free, preventing premium increases after one at-fault accident.
  • Rideshare Insurance: Optional coverage for those driving for companies like Uber or Lyft, filling coverage gaps during rideshare activities.
  • Car Replacement Assistance: Ensures reimbursement of the vehicle’s actual cash value plus an extra 20% if totaled, requiring comprehensive and collision coverage.

Auto Insurance Discounts:

  • USAA offers various discounts, including those for accident-free records, completion of defensive driving courses, good student standards, newer vehicles, anti-theft devices, multiple vehicles, low annual mileage, vehicle storage practices, continuous coverage, military base garaging, and bundling multiple policies.


USAA’s auto insurance is renowned for its customer-centric approach and competitive pricing, establishing itself as a beacon of excellence. With eligibility restricted to military members and their families, USAA proves to be an appealing option due to its comprehensive coverage options and diverse discounts. As a trusted partner in safeguarding the auto insurance needs of those who have served or are currently serving in the military, USAA’s stellar service reinforces its reputation. This commitment extends to providing peace of mind for individuals preparing for retirement and money management.

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