USAA Car Insurance Who Can Get it + Comparison with Companies

USAA is a reliable option for car insurance, known for its satisfied customers and strong financial ratings.

But, remember, you can only get their services if you’re in the military or related to someone who is.

So, are you in the military, or are any of your relatives?

Yes? — Well then, this post is your guide if you want to register with the USAA car insurance company. 

Features of USAA Insurance Company:

  • USAA offers some of the lowest auto insurance rates.
  • Rates are competitive for young and senior drivers, as well as those with past incidents like collisions, speeding tickets, or DUIs.
  • USAA was founded for the military community only.
  • Membership is exclusive to military members, veterans, and their families.

USAA Car Insurance

What are the Pros and Cons of USAA Insurance Company

Pros:

  • Low rates for various driver profiles.
  • Accident forgiveness and new car replacement coverage.
  • Rideshare coverage.
  • SafePilot usage-based insurance for good drivers.

Cons:

  • Membership is not transferable to parents or siblings.
  • Below-average home and auto bundling discount.

Is USAA Good?

Here are some reasons why we would say yes:

  • Yes, USAA is a good choice, especially for eligible military members.
  • It offers some of the most affordable coverage.
  • Despite a slightly below-average complaint ratio, membership is exclusive.

Comparing USAA with 10 Other Companies:

  • Nationwide: $1,436 average rate for good drivers, low complaint level, 5.0 stars.
  • Travelers: $1,521 average rate for good drivers, low complaint level, 5.0 stars.
  • Erie: $1,642 average rate for good drivers, low complaint level, 4.5 stars.
  • Geico: $1,597 average rate for good drivers, low complaint level, 4.0 stars.
  • Progressive: $1,826 average rate for good drivers, low complaint level, 4.0 stars.
  • Auto-Owners: $1,855 average rate for good drivers, very low complaint level, 3.5 stars.
  • Westfield: $1,984 average rate for good drivers, very low complaint level, 3.5 stars.
  • State Farm: $2,025 average rate for good drivers, low complaint level, 3.0 stars.
  • Allstate: $2,896 average rate for good drivers, low complaint level, 2.0 stars.
  • Farmers: $3,093 average rate for good drivers, low complaint level, 2.0 stars.

Who Can Get USAA Car Insurance?

  • Exclusive to the military community.
  • Only active, retired, and honorably discharged veterans, along with their eligible family members, can qualify.

Conclusion

USAA did well in a study by J.D. Power in 2021 for auto insurance.

Even though it’s limited to certain people, it still got the highest ratings in every part of the country.

It’s also rated the best among big insurance companies in another study by J.D. Power about shopping for insurance.

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