Reviews Report
- USAA continues to earn among the highest customer satisfaction results in J.D. Power’s most recent insurance studies, but it is typically not rank eligible because it serves a restricted membership (military community); see the 2024 U.S. Auto Insurance Study.
- USAA’s core property/casualty insurance companies hold an A++ (Superior) Financial Strength Rating from AM Best, the highest category on AM Best’s scale; see USAA’s credit ratings and AM Best rating definitions.
USAA car insurance is designed for active-duty service members, Guard/Reserve, veterans, and eligible spouses and children. Membership eligibility is required. Available in all 50 states and Washington, D.C., USAA pairs competitive auto coverage with banking and investment products and robust digital tools for policy management.
USAA offers strong digital self-service via its mobile app and a moderated member community for advice and support. Visit the USAA community. Its claims-paying ability is supported by an A++ (Superior) AM Best financial strength rating. Our USAA car insurance review emphasizes current satisfaction context from J.D. Power’s 2024 study (USAA not rank eligible) and verified discount programs including SafePilot and military-specific savings.
USAA’s Full Coverage Average Premium In Each State
| State | Average Annual Full Coverage Premium |
| Alabama | $1,230 |
| Alaska | $1,069 |
| Arizona | $1,288 |
| Arkansas | $1,142 |
| California | $2,400 |
| Colorado | $1,310 |
| Connecticut | $1,264 |
| Delaware | $955 |
| Florida | $2,650 |
| Georgia | $1,506 |
| Hawaii | $1,009 |
| Idaho | $725 |
| Illinois | $1,242 |
| Indiana | $834 |
| Iowa | $1,026 |
| Kansas | $1,225 |
| Kentucky | $1,466 |
| Louisiana | $2,035 |
| Maine | $718 |
| Maryland | $1,574 |
| Massachusetts | $1,500 |
| Michigan | $1,255 |
| Minnesota | $1,491 |
| Mississippi | $1,109 |
| Missouri | $988 |
| Montana | $931 |
| Nebraska | $1,138 |
| Nevada | $1,549 |
| New Hampshire | $681 |
| New Jersey | $2,100 |
| New Mexico | $1,102 |
| New York | $2,137 |
| North Carolina | $980 |
| North Dakota | $815 |
| Ohio | $820 |
| Oklahoma | $1,388 |
| Oregon | $1,038 |
| Pennsylvania | $1,126 |
| Rhode Island | $1,297 |
| South Carolina | $1,447 |
| South Dakota | $1,337 |
| Tennessee | $1,116 |
| Texas | $1,344 |
| Utah | $839 |
| Vermont | $807 |
| Virginia | $890 |
| Washington | $818 |
| Washington, D.C. | $876 |
| West Virginia | $1,185 |
| Wisconsin | $785 |
| Wyoming | $950 |
Data source and methodology: USA TODAY Blueprint and MarketWatch Guides 2025 USAA state rate tables (Quadrant Information Services; standardized driver profile; monthly figures annualized by x12). Individual quotes vary by state, driver, vehicle and coverages.
USAA Car Insurance Overview
USAA offers a full suite of insurance, banking, and investment products for military families. The USAA community provides moderated peer-to-peer answers and guidance, and USAA’s mobile app supports ID cards, payments and claims. In J.D. Power’s most recent studies, USAA posts top-tier satisfaction but is not rank-eligible due to membership limits; see Auto Insurance and Home Insurance. USAA’s insurer financial strength remains top tier with an A++ (Superior) AM Best rating and high marks from other agencies. In 2020, USAA returned approximately $1.07 billion in special auto insurance dividends and announced a $50 million multi‑year commitment to advance racial equality; USAA continues to report ongoing community impact in its Corporate Responsibility materials.
PROS
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USAA’s Car Insurance Bundling Discounts for Cheaper Insurance
USAA offers a multi‑policy (bundle) discount when you combine auto with property insurance (homeowners, renters, or condo). Discount amounts and eligibility vary by state and product, and the savings are typically applied to the property policy; see USAA’s bundle overview. Additional ways to save include SafePilot (potentially up to 30% for safe driving where available), the military installation discount (often up to 15% off comprehensive coverage where offered), and vehicle storage during deployment (often up to 60% off while stored), per 2025 third‑party reviews like Bankrate and NerdWallet. To explore a bundle, speak with a USAA licensed agent or get a quote for both home and auto (or add auto if you already insure your home or belongings).
USAA Car Insurance vs. The Competition
| Provider | AM Best | J.D. Power Customer Satisfaction* | No. of Discounts |
| USAA | A++ | Not rank eligible (see 2024 study) | Core set incl. bundle, multi‑vehicle, SafePilot, student, training, new vehicle, on‑base, storage |
| Nationwide | A+ | Varies by region (see 2024 study) | Telematics via SmartRide (up to 40%), plus multi‑policy and standard discounts |
| State Farm | A++ | Often above segment averages in many regions (see 2024 study) | Drive Safe & Save telematics (up to 30%) and broad standard discounts |
| Allstate | A+ | Mixed by region (see 2024 study) | Drivewise telematics, Milewise pay‑per‑mile, multi‑policy and standard discounts |
Information current as of 2025. Sources: J.D. Power 2024 U.S. Auto Insurance Study; USAA credit ratings; competitor telematics: Nationwide SmartRide, State Farm Drive Safe & Save, Allstate Drivewise.
*USAA is typically not rank eligible for J.D. Power awards because it serves a restricted customer base (military). Scores are based on a 1,000‑point scale; consult your region’s results in the 2024 study.
USAA vs. Nationwide
Both offer broad product suites nationwide, but USAA requires military affiliation. Nationwide leans into usage‑based programs with SmartRide (advertised potential up to 40%) and a pay‑per‑mile option, while USAA’s SafePilot offers behavior‑based savings up to 30% where available. USAA also provides military‑specific discounts (on‑base and storage) that are uncommon among general‑market insurers.
USAA vs. State Farm
State Farm serves the general market and emphasizes telematics savings via Drive Safe & Save (advertised up to 30%), plus a broad standard discount set and in‑person agent support. USAA matches core coverages and adds military‑focused savings like on‑base and deployment storage discounts, alongside SafePilot.
USAA vs. Allstate
Allstate offers feature‑rich add‑ons (e.g., Accident Forgiveness, New Car Replacement) and telematics via Drivewise, plus a mileage‑based option in many markets. USAA often posts higher satisfaction among eligible members (not rank eligible in J.D. Power award tables) and differentiates with military‑specific discounts and SafePilot.
USAA Car Insurance FAQ
Methodology
We evaluated USAA based on discounts, coverage, online resources, financial strength, and customer satisfaction. To compare carriers, we emphasized current sources and study context:
- Discounts: Verified against USAA’s official pages (bundle, multi‑vehicle, SafePilot, student, training, new vehicle, on‑base, storage) and cross‑checked with 2025 third‑party reviews; see USAA discounts, SafePilot, Bankrate (2025), and NerdWallet (2025).
- Financial Stability: We cite USAA’s credit ratings and AM Best rating definitions to describe claims‑paying ability.
- Customer Satisfaction: We used J.D. Power’s 2024 U.S. Auto Insurance Study to provide current context; USAA is typically not rank eligible due to membership limits.
- Coverage: We looked for advertised coverages and optional add‑ons beyond liability, collision, and comprehensive, including roadside, rental, rideshare, glass, and Car Replacement Assistance.
- Online Resources: We reviewed digital servicing features such as the USAA Mobile App and the USAA community.
For pricing benchmarks, we referenced 2025 state-by-state USAA rate tables from USA TODAY Blueprint and MarketWatch Guides (Quadrant Information Services). These use standardized driver profiles and define “full coverage” as liability plus collision and comprehensive; monthly values were annualized by multiplying by 12.
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, the primary dataset uses each state’s minimum requirements. Base profiles typically assume a single vehicle driven about 12,000 miles annually by a driver with a clean record. Quotes vary significantly by location, vehicle, driving history and selected coverages.
These are sample benchmarks for comparison only. Always obtain personalized quotes to confirm your price and discount eligibility.
