USAA Car Insurance

Get affordable car insurance quotes from top companies like USAA Car Insurance
Looking to learn about USAA auto Insurance? We’ve got you covered. Keep reading to find out about USAA’s pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like USAA.

Best If

  • You (or a parent) are a member of the military, and customer service is very important to you

Worst If

  • You are not in the military, and do not have a parent who served

By The Numbers

  • USAA has over 28,000 employees
  • USAA is the 5th largest personal auto insurer in the U.S.
  • Offers insurance in all states and Washington, D.C.


    • Ranked USAA with a score of 8.7 out of 10
    • Applauded USAA for having one of the highest customer service scores
    • Highlighted a downside to the company. It only provides insurance for military personnel and their immediate families
    • Commended USAA for its smooth claims process and helpful customer service
    • Its financial strength ratings and wide variety of discounts and insurance plans also contributed to its score
    • The lack of local agents and limit to military families hurt its score
  • Better Business Bureau
    • Gave USAA an A+ rating, though it is not BBB accredited
    • The company's age and high response rate to a low volume of complaints contributed to its perfect score

What Does a Policy Cost?

Comparing quotes is the best way to get the lowest rates from top insurers like USAA Car Insurance. QuoteWizard is an independent company that helps you find the right policy at your best rate.

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data
Year Total Complaints Percent Change
2016 245 -41%
2015 415
2014 380 +41%
2013 270 -9%
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 901 — highest rated
  • Central: 890 — highest rated
  • Florida: 902 — highest rated
  • Mid-Atlantic: 906 — highest rated
  • New England: 894 — highest rated
  • New York: 911 — highest rated
  • North Central: 898 — highest rated
  • Northwest: 902 — highest rated
  • Southeast: 919 — highest rated
  • Southwest: 914 — highest rated
  • Texas: 892 — highest rated
U.S. Auto Insurance Shopping Study (2019)
Overall Purchase Experience Among the best
Policy Offerings Among the best
Pricing Among the best
Local Agent --
Call Center Representative Among the best
Insurer Website< Among the best
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction Among the best
First Notice of Loss Among the best
Service Interaction Average
Appraisal Among the best
Repair Process Above average
Rental Car Experience Among the best
Settlement Among the best
Source: J.D. Power

Financial Ratings


A.M. Best

Superior rating; highest possible



Highest quality with extremely low credit risk; highest possible rating



Very strong; second-highest possible rating

Market Share

USAA’s market share was 2.85 percent 2015. That made it the 10th-largest insurer in the US. That same year, the company wrote $16.74 billion in Property and Casualty premiums. 

Roadside Assistance

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

1 (866) 375—5374.

Mobile Apps

The USAA Mobile App lets you manage your insurance policies quickly and easily from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the USAA mobile app here


The United Services Automobile Association was founded in 1922 when 25 army officers got together to insure each other’s cars. Army members were considered high insurance risks at the time. The company’s was first called the United States Army Automobile Association. But changed in 1924 to United Services Automobile Association when other U.S. military officers finally became eligible for membership. That same year, the company’s slogan, “Service to the Services” was born.

USAA’s focus on service has endured since it was founded. It was a pioneer for direct marketing, conducting most business via mail until the 1960s. Today, USAA mostly operates on line and over the phone. It offers its 10.3 million members other financial services as well, such as life insurance and banking services. USAA is often ranked as one of the top companies in America for customer service, regardless of industry.

Claims Process

Click here to file a claim with USAA.
If you’ve filed a claim, click here to view your claim.

You may also contact your insurance agent, or call 1 (800) 531-USAA, 24 hours a day.

Contact Information

Claims Site
Consumer Affairs Site

Mailing Address:
P.O. Box 33490
San Antonio, TX 78265

Customer Service Phone Number: 1 (800) 531-USAA