USAA Car Insurance Pricing

Car Insurance Rates for USAA Auto Insurance

USAA offers military members and their families some of the lowest car insurance prices in the nation, with average annual premiums ranging from $336 to $1,432. While the cost for each driver depends on many factors, the table below shows average cost of USAA’s policies for different drivers:

Policy type	USAA average annual cost	USAA average monthly cost
Full coverage	$1,322	$110
Minimum coverage	$356	$30
With a DUI	$2,543	$212
With an at-fault accident	$1,108	$92
Drivers with low-credit	$2,427	$202
Young drivers	$2,490	$208

Saving Money With USAA Insurance Discounts

Like many car insurance companies, USAA has multiple ways members can save money on their auto insurance:

Bundling: Buying another policy in addition to auto insurance from USAA—such as home, renters, or life insurance—is an easy way to save.
Good grades: USAA offers a discount for full-time student drivers under age 25 who maintain a GPA of at least 3.0 or a B average.
Safe driver: Members who maintain good driving records for more than five years receive discounts.
Away from home: USAA offers a discount for unmarried, full-time students under age 29 who reside more than 100 miles from their home addresses without vehicles.
Defensive driving course: Customers who complete a USAA-approved basic driver training course could see savings on their annual premiums.
SafePilot: Members living in an eligible state could save up to 30 percent on their auto insurance through the company’s safe driving program, USAA SafePilot. SafePilot is a smartphone-based telematics program that tracks driving habits via an app.
Multivehicle: Adding coverage for two or more cars could trigger a multivehicle discount.
Newer vehicles: The company offers savings for customers who are insuring newer vehicles that are less than 3 years old.
Anti-theft devices: Members who have anti-theft devices installed on their insured vehicles receive a discount from USAA.
Stored vehicles: Customers who store their vehicles, such as during a deployment, could receive up to 60 percent off their auto insurance premiums.
Loyal member: Children whose parents have USAA could save up to 10 percent through a family discount when they get their own car insurance policies.

Favorite Features

Gap Insurance

If your vehicle is totaled in an accident, gap coverage could help you purchase another vehicle. When purchasing your vehicle, you can sign up for guaranteed asset protection (GAP) insurance through USAA. Gap coverage would pay the difference between how much you owe the lender for your vehicle and how much you originally paid for the vehicle. Your collision or comprehensive deductible still applies before gap coverage kicks in. You can get gap insurance if you financed your vehicle with a USAA loan. USAA’s interest rates tend to be competitive for new and used cars.

Rental Reimbursement

You can add rental reimbursement, sometimes called transportation expense coverage, to your auto insurance policy. USAA covers rentals when your covered vehicle repairs begin. If your vehicle isn’t drivable, simply make an Enterprise reservation online or through USAA’s mobile app to get your rental car the fastest.

Roadside Assistance

USAA’s roadside assistance is available 24/7, and includes the following:

Tow: For mechanical trouble, USAA will tow a customer’s vehicle to a nearby repair shop.
Jump start: USAA will send someone to jump-start a dead battery.
Flat tire: The company will provide service to replace the flat if the car has a spare tire or will tow the vehicle to a service station.
Lockout: If a customer can’t get into the vehicle, the company can send a technician to unlock the car.
Fuel delivery: USAA will deliver fuel to a policyholder’s vehicle that runs out of gas. The customer will need to pay for the fuel itself, however.
Stuck vehicle: For customers whose vehicles get stuck in the mud or snow, the company will provide assistance to get them moving again.

Even customers who do not include roadside assistance on their policy can still receive assistance at negotiated rates, which USAA states are typically cheaper than calling the provider directly.

Storing Your Car on a Military Base

USAA members who garage their vehicles on military installations could save up to 15 percent. The company provides guidelines for how to safely store a vehicle during a deployment. Many military bases offer designated parking lots for vehicles while the owners are on deployment.

Windshield Repair

The company also has a robust windshield insurance and glass repair service for its auto insurance policyholders. The policies usually cover the following:

Windshields: From small chips to entire windshields, USAA repairs or replaces the glass.
Side and rear windows: The company also fixes or replaces damaged side or rear windows.
Sunroofs and other windows: USAA makes damaged roof glass leakproof and fully operational.

However, most USAA car insurance policies do not cover damage to headlights, taillights, side markers, and fog lights.

Easy to Use Digital Tools

USAA offers an app for android and iOS users, where customers can manage their policies and monitor claims among other things.

USAA’s app includes the following features:

Access insurance ID card
Request roadside assistance
File a claim
Pay premiums

Other Coverages

Along with its auto insurance, USAA offers the following insurance policies:

Motorcycle
Motorhome
Boat
Classic car
Renters
Homeowner
Condo
Mobile home
Flood
Valuable personal property
Umbrella
Farm and Ranch
Collectibles
Windfarm
High-value home
Small business
Commercial
Life
Dental
Annuity
Medicare
Long term care
Vision

Check with a USAA agent to see if you could save by bundling two or more insurance policies with USAA.

Company Background

In 1922, 25 Army officers joined forces to insure each other’s automobiles and founded USAA. Since then, USAA has grown as a membership-based organization that sells car insurance, among other services. The company started small and gradually expanded its membership to include more branches of service and family members.

1923: USAA expanded its membership to include Navy and Marine Corps officers.
1931: Membership doubled from 15,000 to 30,000.
1934: Foreign Service officers, State Department officials, and their widows became eligible for USAA memberships.
1948: The company welcomed Air Force officers as members.
1961: USAA allowed officers resigning their commissions or leaving the service to retain their memberships as veterans.
1996: Membership was extended to enlisted personnel.
2008: The company included military retirees, regardless of when they retired, as members. After they join, their spouses and children might be eligible for membership, as well.
2009: USAA opened its membership to all men and women who are serving or have honorably served in the U.S. military, and their families.

Contact Information

To receive car insurance quotes, you can contact USAA in a variety of ways:

Phone: Call 210-531-8722 or 800-531-8722. The USAA call center is open Monday to Friday from 7 a.m. to 9 p.m. ET and Saturday from 9 a.m. to 9 p.m. ET. It is closed on Sundays and all major holidays.
Online: Go to https://www.usaa.com/insurance/pilot-state/?bundlingIntent=auto&wa_ref=pnc_insurance_main_dropdown_auto.

Current members can call the same numbers or use the USAA app to make changes to their policies. Alternatively, USAA’s main mailing address is:

USAA
9800 Fredericksburg Road
San Antonio, TX 78288

Conclusion

USAA prides itself on having competitive rates for auto insurance, as well as many ways members can save on their premiums. The company touts its exceptional service and claim handling, offering members easy ways to file auto insurance claims and receive roadside assistance. Learn more about the company in our in-depth USAA review.

Frequently Asked Questions

Who is eligible for USAA car insurance?

Active duty military
Children, including stepchildren, of active duty military and veterans
Spouses, unremarried former spouses, widowers, and widows of USAA members who joined prior to or during the marriage
Contracted ROTC cadets and midshipmen
National Guard and reservists
Officer and Warrant Officer candidates
Retired veterans with a discharge type of “Honorable” and “General Under Honorable Conditions”
Service academy appointees

How much does it cost to join USAA?

Joining USAA as a member is free. The company provides members with a variety of perks, as well as the ability to purchase auto insurance.

Does USAA raise rates for car accidents?

USAA may or may not raise rates for car accidents, depending on the circumstances. For example, the company doesn’t raise rates for at-fault accidents automatically if the policyholder has had car insurance with USAA for at least five years. Also, the company considers whether any drivers on the policy have had an accident over the location’s dollar threshold during the past five years. USAA will not charge additional premiums if the member’s policy has Declarations for Accident Forgiveness. USAA also offers accident forgiveness as an optional add-on coverage, which stops your rates from increasing after your first accident.

However, if these eligibility requirements don’t apply, the company will raise rates after car accidents.

How many miles will USAA tow a car?

USAA’s roadside assistance covers the first 50 miles for free. If a member chooses to have their vehicle towed farther than 50 miles, the member is responsible for paying for the extra mileage. Members can get roadside assistance even if they didn’t elect to have roadside coverage on their insurance policy. Rather, they would pay a special, USAA-negotiated rate, which is usually less than what a service provider would charge a consumer directly.

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