USAA
Last Updated
Overview
What Is USAA Insurance Company?
USAA (United Services Automobile Association) is a U.S.-based financial services group that provides insurance, banking, and investment products exclusively to members of the military community and their eligible families. It serves active-duty personnel, veterans, National Guard and Reserve members, officer candidates, and qualifying spouses and children.
USAA Life Insurance Company handles life insurance and annuities, and USAA Federal Savings Bank runs checking, savings, credit cards, and loans.
Membership is limited to current and former U.S. military members and their eligible families, although life and health insurance products are open to the public. Pet, travel, and several business lines come through partners such as Embrace Pet Insurance and Travel Insured International.USAA offers insurance to small businesses too. A Business Owners Policy is one option. It combines general liability, commercial property, and lost income coverage in a single plan.
How Much Does USAA Cost?
USAA pricing ranges from $39 to $52/month for minimum liability coverage, according to industry benchmarks, since USAA does not publish rates. Premiums are personalized, and coverage is limited to military members, veterans, and their immediate families.
Estimated auto insurance costs:
- Minimum Liability - Approximately $36-$52/month
- Full Coverage - Around $102-$153/month
Actual premiums vary widely by state, driving record, and catastrophe risk in the home’s location.
Disclaimer: Pricing references are based on official vendor disclosures and industry benchmarks. Actual enterprise costs may vary.
Who Is USAA For?
USAA caters specifically to the following:
- Current military members
- Veterans
- National Guard members
- Contracted cadets
- Midshipmen
- Eligible officer candidates
- Reservists
USAA Services
Auto Insurance
Auto coverage from USAA pays for vehicle damage, liability, and crashes involving drivers who carry little or no insurance. The app handles most of it. Add a vehicle, swap your coverage, pay a bill, call for roadside help, file a claim, it's all in there. If you want to potentially lower your rates, SafePilot and SafePilot Miles are optional add-ons that watch how and how much you drive.
Homeowners Insurance
Homeowners insurance from USAA covers the house itself, personal belongings, other structures on the property, temporary living costs if the home can't be lived in, and liability claims. Personal property is replaced at full cost, not the depreciated value. Buyers can add coverage for water backup, earthquakes, or home sharing. Coverage, payment dates, and claims can all be managed online.
Travel Insurance
The platform covers the usual trip disruptions, cancellations, delays, missed connections, and lost or delayed bags, plus some medical expenses. There's also support for unexpected situations abroad, getting a medical or legal referral, guaranteeing a hospital admission, arranging an evacuation, or replacing a lost passport. Military members get cancellation coverage that accounts for deployment or reassignment.
Life Insurance
USAA offers term, permanent, and final expense life insurance to U.S. citizens. Term policies run for a set period, usually 10 to 30 years. Permanent policies last for life and build cash value along the way. Final expense policies are meant to cover funeral and burial costs. Some policies add military specific features, like SGLI replacement and wartime coverage.
Pet Insurance
Embrace handles USAA's pet insurance for dogs and cats. It covers accidents and illnesses, including cancer treatment, chronic conditions, emergency care, surgery, hospitalization, diagnostic testing, and rehab. Owners pick their own deductible and reimbursement level and can use any licensed vet. Claims go through Embrace after treatment is done.
Health Insurance
USAA connects members to individual and family health plans through partner insurers, covering health, dental, and vision. It also offers gap plans, like accidental injury, critical illness, and cancer coverage, that pay the policyholder directly rather than a hospital or provider. What's covered depends on the plan, but can include emergency care, hospital stays, doctor visits, cancer treatment, and diagnostic tests.
Business Insurance
Small businesses can insure against property damage, professional errors, employee injuries, cyber incidents, and liability claims through USAA. Options include Business Owners Policies, general liability, professional liability, cyber liability, workers' compensation, commercial auto, and commercial excess coverage. A business shares its industry, revenue, and employee count before it gets a quote.
Is USAA Right For You?
If you are a military member, veteran, or eligible family member looking for insurance, banking, loans, or investing services, USAA could be worth considering. Fortune included it on its 2026 list of the World's Most Admired Companies. J.D. Power also gave USAA its top satisfaction ranking for individual annuities, the second year in a row it has earned that spot. TIME ranked USAA among the best financial services companies of 2026, placing it first for mortgages and second for checking accounts.
Still not sure if USAA Insurance Company is right for you? Contact us at (661) 384-7070 for further guidance
Pros And Cons of USAA
Pros
Auto claims often approved quickly
Mobile app handles requests without phone calls
Theft and vandalism losses resolved without hassle
Auto adjusters communicate progress at each step
Insurance, loans, and banking in one place
Cons
Long phone waits and automated call menus
Homeowners claims often lowballed or delayed
Roadside assistance can be slow or unresponsive
USAA Reviews
Total 1 reviews
2
All reviews are from verified customers
Rating Distribution
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Share your experience
Insurance, 1-10 employees
More than a year
“it needs improvements asap”
Pros
It was good in the past but now there are a lot of things going wrong.
Cons
I have been with USAA for 26 years and had no issues until a month ago. An uninsured motorist hit me and dealing with these people has been a complete nightmare. They show no concern and communication is non existent. I constantly have to follow up and they even force you to hire an attorney to sue your own insurance company. USAAs claim of caring about their members seems false. Their service has been ruined and is not worth the cost. They need to seriously reconsider their customer care.
Rating Distribution
Ease of use
2
Value for money
3
Customer Support
2
Functionality
2
Frequently Asked Questions
Is USAA still military only?
Yes, USAA is still primarily for the U.S. military community and their eligible family members.
What bank is associated with USAA?
The bank associated with USAA is USAA Federal Savings Bank.
What disqualifies members from USAA?
Users are disqualified from joining USAA if they do not have a direct connection to the U.S. military or an immediate family member who is an established USAA member.
Does USAA offer a senior discount?
No, USAA does not offer a general senior citizen discount.
What are common consumer complaints against USAA?
Common consumer complaints against USAA involve delayed or denied insurance claims, poor customer service, and sudden billing or account freezing issues.