USAA Reviews
United Services Automobile Association (USAA) was founded in 1924 by a group of Army officers. They’re headquartered in San Antonio, Texas. They sell auto, home, and life insurance to military personnel and their dependents. In recent years, they’ve begun selling to other government employees. The below USAA reviews are from actual customers.
USAA does not have an agency force, but markets their products directly to their prospective customers. If you have had USAA car insurance, leave a review about your experience, good or bad.
To see reviews for a different company, checkout these auto insurance reviews.
For GEICO reviews, click here.
For AAA reviews, click here.
| Overall Rating |   |
| Price | |
| Service |  |
| Claims | |
Reviews (111)
Charlotte
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Okay company. You would think they would offer better rates for those of us that served, but it is what it is. They do have great customer service an they were quick to take care of a windshield claim. So I guess you do get what you pay for.
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C.W.
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Great company. Thank you for your support of those of us in the military.
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Kelly F.|
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When calling customer service for a free rate quote I was pleasantly surprised and pleased with the extras that they have to offer. The customer service agent was very knowledgeable with these options and took her time to explain them in detail as I was not familiar with any of them. The rep also informed me that I could bundle different coverage at a discount such as home owners insurance and pet injury coverage. I was also shocked to learn that they can customize the policy to include computer and electronic equipment coverage, jewelry, art and high-end valuables coverage, coverage for firearms and water backup and sump overflow coverage. He was very pleasant and easy to talk to and in conversation she revealed that they also offer identity theft recovery and fraud reimbursement. Other discounts available include package deal, being a safe driver, taking an accident prevention course, teen safety rewards, Drive less and you Pay less, more than one car, antitheft, Antilock and pay your bill in full discounts. They really do provide unique coverage options that customers might not be able to find anywhere else. They have a decent mobile app, and the ability to file claims online or through the app, making them more convenient than many of their competitors. Their claims number is available 24 hours a day, seven days a week. The website is easy to navigate and has numerous helpful resources. I have had nothing but great experiences every time I have come in contact with a rep.
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Isabella
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I am happy to be a proud customer of USAA Insurance Company Ltd. I am a good driver and I am very much careful on the streets. I was one day hit by a car at a turning point and my car had to suffer unnecessary damage. I approached my auto insurance company and the inspectors of the company came to my house.They reviewed the damage caused to my vehicle and after proper inspection, they took photographs of the same. The inspectors called me to the company office and told me the they required to complete proper formalities for processing the charges for damage. They studied my driving record properly and they found that I had not caused any accident in the last ten years. I am in fact a good driver and I drive my vehicle very carefully and with utmost care. I got the recommendation of this company from one of my relatives who himself owned an auto insurance policy of this company. I also carefully reviewed the feedback of this company online before applying for an insurance policy for my car. The application procedure was really fast and at the same time their claim processing procedure is also fast. Within a reasonable amount of time they processed the insurance claim and I got back the cost of my damage. They deserve credit for such a positive review from my side. I would definitely recommend this company to my other friends and relatives as well. At the same time I would give them five stars.
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John S
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My family and I have been using USAA for as long as I can remember for our car insurance. We haven’t had any major incidents until just the past few years when my sister’s car was totaled during a wind storm. In that incident, the car was damaged beyond repair, and USAA provided quick and reliable service. As co-owner of the car, I received a portion of the damages, which worked out as I had been in favor of selling the car to begin with. In addition, the total amount was probably more than what we would have received if we had simply sold the car. Unfortunately, the second incident—which occurred more recently—was far less favorable. When my sister was involved in a collision caused by another driver, USAA was initially eager to help and made clear that they would stand by her if her claim was accurate (which it was). However, they later flipped their decision and arbitrarily decided to hold her at fault for the accident (which was minor but significant). This capricious lack of loyalty lowered my respect for the company I had once held in high esteem immensely. The case is still ongoing, but I don’t believe that my evaluation of the company as a whole will recover from the blow caused by that insulting decision. I’ve been fortunate enough not to need to file any claims, but I would like to think they’d be on my side if something did happen. The price of my coverage is very low, which is the only reason I’ve kept them as a provider. Aside from that recent incident, I would rate USAA favorably, but I simply don’t trust them to stay true to their word—at least not all the time.
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Melissa
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My husband and I have been insured with USAA since 2014. We love the customer service that USAA provides to it’s customers. We have various products with USAA with gives us bundle discounts leaving our premiums at a really great deal. They also provide road side emergency assistance for an incredible deal that helps make me feel safe while i’m out on the road. USAA offers great customer service and coverage to the individuals who they serve as auto insurers. I have never regretted using them for our auto insurance company in our time with them.
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karthik J
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USAA was good as a new driver just out of Iraq and the military in general. I was with them for 5 years ( checking, savings, and auto insurance). Customer service is great when you have questions and need to dispute a transaction. I don’t have a great driving record but for someone that has experienced a car accident ( fault and not at fault claim), i can say that the payments are really quick( within a day or two). I can’t speak on usaa certified repair facilities but NON facilities were a mess, the appraiser had to come 3 times, 2 different people from USAA ( really didn’t appreciate it), and the repair facility kept screwing up the hood part ordering. The online crash diagrams are helpful in your case and they respond promptly when you send them a message. Also they covered all my rental needs( tge not at faults covered by the fault driver’s insurance) with no issue. I took 2 stars away. They really hit my price through the roof, even for a car accident where someone hit me but i took a left turn and was found 100% fault. Once it was too high around 500 a month, i couldn’t pay and financially killed me. My car was repo’d trying to make these payments and they canceled my policy. On top of that, since i refused to pay the rest like 200 dollars ,since they were not helpful, it has been a few yrs now and to this day cause of non payment they disabled my online access to my checking account. I now have GEICO/6 month policies around 200 a month and only one more incident on my record thats coming off soon. The day i get to look at local banks, im moving all my money and 10 continuing yrs of direct deposits a MONTH to someone who respects customers. I called them and asked why this happened again, and was informed that it was my fault and that they couldn’t do anything about it. The man I was talking to not only blamed me, but also yelled at me, and hung up on me. I hope USAA is happy, because not only did they lose me as a customer, but also my father, mother, brother, sister, and anyone we talk to. Using this company was a big mistake.|
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john
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They provide 100% coverage and exclude depreciation charges. It provides roadside emergency assistance. Its an all inclusive or comprehensive insurance including anti theft, loss or damages except the fiber parts, third party cover, personal accidental cover etc. this was automatically taken by the car dealer as they had a tie up with them. The experience was pretty smooth and I had even claimed it once. The claims process was very smooth and took just 2-3 days as it was co-ordinated and processed by the dealer. They provided 70-80% coverage. bigger problem when they do not trust each other or take responsibility for each other when they are in fact the same company and chose not to stand behind the USAA name. I will move my business elsewhere and do not recommend them at all! I am not asking for anything that is not right. I did everything I was supposed to and since I cannot prove that I called and asked to remove both my mother’s car and mother, I’m in the wrong. I know for a fact that I told the support center that my mom would no longer be driving. I can also access my policy details online. Customer service is good with them and I have faced claims many time and the reimbursement used to happens within a day of time.
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Susan
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I am very disappointed with USAA. My car was a 1995 Camry. When I had an accident, they said it was a total loss. That was okay I thought. Then, they said what they were going to give me for it. I checked 5 auto sales websites, private parties, and could not find any cars that were the exact same year and model that had that low of a price for sale except salvage title vehicle which meant it didn’t even work.. The cars I did test drive in my same make and model and year, were dented, worse engines and they wanted $400-600 more than what USAA said they would give me. Plus they won’t even process the claim to send check til I turn my car in to them. What am I going to drive?!! Plus the cars will be sold by the time I get the check. And I won’t have a car. How can they take my car away with out giving me a check the same day so I can purchase one that day!!!? Don’t use USAA
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T. Treanor
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I can honestly say that USAA has been a good insurer for our family. We have used USAA for all of our auto insurance for years now and they have always taken care of our needs when we had accidents or needed repairs. We have used their services and recommended providers for accidents, glass damage, rental cars, and being locked out of our own car. We also use USAA for our home insurance needs. USAA has been responsive when we had leaks in our basement window and was able to put us in contact with a recommended repair provider. We also use USAA for our life insurance needs. They have provided a very reasonable term life insurance policy for a minimal cost. The payments for all of our insurance coverages are very reasonable and we have never been unfairly penalized for the accidents that we have experienced. In fact, we enjoy very low insurance rates that the other providers simply can’t come close to offering. USAA also provides us with network discounts for other services, such as buying or renting a vehicle, getting a reduction on our tax preparation services, or purchasing more expensive luxury items on the rare occasion. I have always felt that when we needed help in an emergency, USAA has been there for us as a polite, helpful provider. We have always been able to call USAA at a moment’s notice and get very good service that is exactly what we needed at the time.
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karthik k|
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I compared the 12 largest auto insurance companies that provide coverage for individuals in most areas of the U.S. Even though USAA is one of the largest companies, it was excluded since its plans are only available to those with military connections. AARP was also excluded because its plans are provided by The Hartford Financial Services Group separately. While comparing insurance companies keep in mind that premium rates vary greatly based on numerous factors, and some services might not be available in your area. In addition, while it is rather straightforward to find upfront information about insurance companies, it’s difficult to discover details about how well claims are processed and paid. My car is insured with USAA. Had a really good experience when getting a cashless claim from them through my dealer with whom they have a tie-up. Even at the time of insurance renewal, they sent along an agent to collect the cheque, while the renewed insurance papers reached me within the next 3 days via courier.
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