LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
Fintiex
Get started
Insurance / Auto
Auto insurance review

USAA Auto Insurance Review (2026)

USAA earned 4.8 / 5 in our 2026 review. Best for: military families, lowest premiums for eligible members. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
Get a USAA quote Compare all 8 auto carriers
Key stats
Annual premium
$1,000 to $1,700
AM Best
A++
JD Power
900 / 1000
Bundling discount
Up to 10%
States available
All 50 states
Good driver discount
Up to 10%
Digital experience
Excellent
Fintiex rating
4.8 / 5
Pros
  • +Consistently lowest premiums for military members and families
  • +Top JD Power satisfaction scores year after year
  • +A++ AM Best rating, one of the most financially stable insurers
  • +Excellent digital experience and mobile app
  • +Flexible payment options and strong member benefits
  • +SafePilot telematics program with up to 30% discount
Cons
  • -Eligibility restricted to military members, veterans, and their families
  • -No local agent offices in most areas
  • -Limited to USAA ecosystem for maximum benefits

Coverage available

Liability onlyFull coverageMinimum stateHigh-value vehicles

USAA writes the standard mix of auto policies. Most drivers will want full coverage (liability plus collision and comprehensive). Drivers with older paid-off cars may consider liability-only to save money, but only if you can afford to replace the vehicle out of pocket.

Best for

USAA is the right pick if you prioritize military families, lowest premiums for eligible members. The carrier scores especially well on financial strength digital experience, and customer satisfaction. If you do not match this profile, compare against the other top picks on our auto insurance hub.

Overview

USAA is one of the highest-rated auto insurance carriers in the United States, with an AM Best financial strength rating of A++. The carrier is best known for military families, lowest premiums for eligible members, with average annual premiums in the $1,000 to $1,700 range for full coverage on a typical 35-year-old driver with a clean record.

On the customer-experience side, USAA scored 900 on the latest JD Power US Auto Insurance Study (1,000-point scale). That puts it well above the industry average. The digital experience is rated excellent, with a best-in-class app and online portal for policy management, claims, and ID cards.

Bundling is a major lever: combining your auto policy with home or renters insurance can save about 10 percent on both policies. USAA also offers a good driver discount of up to 10 percent for accident-free histories. Add in paperless billing, multi-vehicle, and safety feature discounts and the all-in savings can reach 30 to 40 percent off rack rate.

How to get a USAA quote

Getting a quote from USAA takes about 10 minutes online. You will need your driver license number, vehicle VIN, current insurance declarations page (if any), and an idea of the coverage limits you want. The carrier may also run a soft credit check in states where credit-based insurance scoring is allowed.

  • Visit the USAA quote page and start the auto application
  • Enter ZIP code, driver and vehicle info, and prior insurance details
  • Select your coverage limits (we recommend at least 100/300/100 liability)
  • Review the quote, apply any discounts (good driver, bundling, paperless)
  • Bind the policy online or call to finalize with an agent
Start a USAA quote

Frequently asked questions

Is USAA a good auto insurance company?
USAA earned 4.8 out of 5 in our 2026 review. It carries an AM Best rating of A++ and a JD Power satisfaction score of 900 out of 1,000. Best for: military families, lowest premiums for eligible members.
How much does USAA auto insurance cost?
Average premiums range from $1,000 to $1,700 per year for full coverage. Your actual rate depends on driving record, vehicle, location, credit score, and coverage limits. Get a quote at USAA to see your exact rate.
What discounts does USAA offer?
USAA offers a bundling discount of about 10 percent for combining auto with home or renters insurance, plus up to 10 percent off for clean driving records. Additional discounts may apply for paperless billing, multi-vehicle, and safety features.
Is USAA available in my state?
USAA writes auto policies in all 50 states.
How fast is the USAA claims process?
USAA accepts claims via app, phone, online, and agent. Most simple claims are settled within 7 to 14 days. Complex claims (totaled vehicles, injuries) can take 30 to 60 days.
Should I bundle USAA auto with home insurance?
Bundling can save you about 10 percent on both policies with USAA. Always run the numbers against two standalone quotes to make sure bundling beats buying separately.

Ready to get a USAA quote?

Takes about 10 minutes. No commitment to bind.

Get my quote Compare other carriers