USAA Car insurance review July 2025

Looking for affordable and reliable car insurance? Read our updated USAA Car Insurance review July 2025 to learn about coverage options, pricing, and who qualifies.

Does USAA have good car insurance?

Yes, USAA can be a good option for drivers who are eligible for membership. USAA offers some of the most affordable coverage among insurers we’ve analyzed, particularly for teen drivers, senior drivers, and drivers with an accident, DUI, or speeding infraction on their record.
Price isn’t the only consideration when choosing a car insurance provider, however, and that’s where USAA falls just short of some other insurers in our best car insurance and cheapest car insurance ratings. While more expensive providers receive low or very low levels of customer complaints, USAA’s complaint level is average.
USAA receives 2% more complaints than the industry average, according to data from the National Association of Insurance Commissioners (NAIC). Geico receives slightly more customer complaints, but competitors like American Family, Nationwide, Auto-Owners, Travelers, and Westfield perform better.
It’s also important to note that USAA car insurance is limited to members of the military community and their eligible family members, so coverage isn’t available to everyone.

How USAA Compares to Other Car Insurance Companies (2025)

Who can get USAA car insurance?

Not everyone can get car insurance through USAA. Only members of the U.S. military — active, retired, and separated veterans who have been honorably discharged — and their family members can get USAA car insurance.
Eligible family members include spouses, widows and widowers, former spouses who have not remarried, and children of USAA members, including both biological and stepchildren.
Current USAA members can typically pass membership on to a spouse and children. They cannot, however, pass eligibility to their parents or siblings.

Types of coverages offered by USAA

USAA offers a range of car insurance coverage options, including:

• Liability car insurance.
• Collision and comprehensive car insurance.
• Uninsured and underinsured motorist coverage.
• Nonowners insurance.
• Accident forgiveness.
• Usage-based insurance.
• Car replacement assistance.
• Rideshare insurance.
• SR-22s.
• Roadside assistance.
• Rental reimbursement.
  Total loss protection, or gap coverage (some restrictions apply).

While USAA provides robust coverage, it’s missing a few unique options, including a vanishing deductible.
Other insurance products by USAA

In addition to car insurance, USAA offers other types of insurance, including:

• Flood.
• Homeowners.
• Life.
• Renters.
• Umbrella.
• Health.
• Condo.
• Mobile home.
• Motorcycle.
• ATV.
• RV and motorhome.
• Boat.
• Personal watercraft.
• Bicycle and e-bike.
• Classic and collector car.
• Aviation.
• Landlord.
• Valuable personal property.
• Long-term care.
• Farm and ranch.
• Collectibles.
• Cell phone protection.
• Business.
• Dental.
• Vision.
• Accidental injury.

Other services offered by USAA

USAA serves as a one-stop shop for financial products and services for eligible active and retired military members and their families.

• Among USAA’s financial products and services are
• Checking accounts.
• Savings accounts.
• Credit cards.
• CDs.
• Auto loans.
• Home loans (including VA loans).
• Personal loans.
• Brokerage accounts.
• Mutual funds.
• IRAs.
• 529 education plans.
• Automated investing.
• Financial planning.
• Annuities.

What Do Customers Say About USAA in 2025?

USAA receives slightly more customer complaints than average, mostly about:

• Delayed claims processing

• Low settlement offers

• Denied claims

Still, many customers praise USAA for its:

• Affordable rates
• Military-focused service
• Reliable customer support

Better competitors for customer satisfaction (fewer complaints) include:

• Nationwide

• Travelers

• Auto-Owners

USAA car insurance reviews

USAA remains one of the most affordable and reliable car insurance options in 2025, especially for military members and their families.

However:

• It’s not available to everyone.

• Complaint levels are average, not the lowest.

If you’re eligible, USAA is definitely worth considering for its low rates and wide coverage options.

USAA receives a slightly higher-than-average volume of customer complaints. In the auto insurance industry, complaints generally focus on a provider’s claims process: frequency of denials, how long claims take to pay out, and disappointing settlements.
Competitors such as Nationwide, Progressive, State Farm, Allstate, and Farmers all receive below-average volumes of complaints. Geico receives slightly more than USAA.