USAA consistently ranks number one in customer satisfaction and offers the lowest rates nationally, but is exclusively available to military members, veterans, and their immediate families. Founded in 1922 and headquartered in San Antonio, TX, USAA holds an AM Best financial strength rating of A++ and scored 902 out of 1000 on the J.D. Power 2026 U.S. Auto Insurance Study.
USAA Pros and Cons
- Lowest rates nationally
- Highest claims satisfaction
- Outstanding 24/7 service
- Military-specific coverage options
- Military and veterans only
- No physical branches
- Eligibility restrictions
Bottom line: USAA is best for Military members, veterans, and their families.
USAA Rates by Driver Profile
| Driver Profile | Estimated Annual Rate | vs. National Average | Assessment |
|---|---|---|---|
| Clean record — 35, good credit | $1,022 | $982 below avg | Competitive |
| One speeding ticket | $1,277 | +25% surcharge | Standard |
| At-fault accident | $1,481 | +45% surcharge | Standard surcharge |
| DUI conviction | $1,819 | +78% surcharge | Higher than average surcharge |
| Teen driver added | $1,860 | +82% surcharge | Standard teen surcharge |
USAA Coverage Options
USAA offers standard auto insurance coverage types including liability, collision, comprehensive, uninsured motorist, and medical payments. Gap insurance is not available directly from USAA — you may need to purchase it from your dealer or a third party. Rideshare coverage availability varies by state at USAA.
Is USAA Right for You?
USAA is an excellent choice for Military members, veterans, and their families. Our recommendation is to always compare USAA's rate against at least 3 other insurers before committing. Insurance rates are highly individualized and the cheapest insurer varies by your specific driver profile, location, and vehicle. A comparison shopping session takes 10 minutes and can save you $400 to $2,000 per year.