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USAA Auto Insurance Review: Comprehensive Coverage for Military Members and Their Families
USAA auto insurance stands out as a premier insurance provider exclusively serving military members, veterans, and their families. With an A++ rating from A.M. Best and consistently high customer satisfaction index ratings in J.D. Power's car insurance study, USAA has established itself as a trusted name in the insurance industry.
What Is USAA Auto Insurance?
USAA auto insurance is a comprehensive vehicle insurance solution tailored specifically for military personnel and their families. Founded in 1922, USAA has maintained a strong financial position and excellent claims payout record, consistently earning top marks for customer service and reliability.
Their coverage options range from minimum-liability policies to full coverage insurance, with competitive rates that often beat the national average rate for typical drivers. What sets USAA apart is their deep understanding of military life and the unique challenges service members face.
USAA Auto Insurance Pros & Cons
Pros:
- Consistently lower average annual rate compared to competitors
- Exceptional military discounts and deployment discount options
- Superior app experience and website experience
- Comprehensive coverage options including rideshare coverage
- Industry-leading customer satisfaction ratings
- USAA SafePilot program for additional savings
Cons:
- Limited eligibility (military members and families only)
- Not available in all locations
- Some third party customer service ratings indicate occasional response delays
- Limited physical branch locations
Who Is USAA Auto Insurance For?
USAA auto insurance is specifically designed for:
- Active duty military personnel
- Veterans
- Military family members
- National Guard and Reserve members
- USAA legacy discount eligible members
- Drivers seeking comprehensive coverage with military-specific benefits
The company excels in understanding the unique needs of military families, offering specialized coverage options like storage discount for deployed service members and flexible policy limits to accommodate military lifestyles.
Coverage Options and Features
Standard Coverage:
- Liability coverage meeting state's required minimum limits
- Collision coverage with flexible collision deductible options
- Comprehensive coverage with adjustable comprehensive deductible
- Uninsured motorist protection
- Personal injury protection
- Medical payments coverage
Additional Coverage Options:
- Accident forgiveness for your first at-fault accident
- Rental car reimbursement
- Roadside assistance
- Rideshare coverage for drivers
- Coverage for other structures like driveways and storage sheds
- Personal liability protection
USAA Auto Insurance Rates and Discounts
USAA's full-coverage rates are typically lower than the industry average, with particularly competitive liability-only car insurance options. Their rate comparison shows favorable pricing across different driver profiles:
- Average rate for young drivers (18-year-old driver): 20-30% below market average
- Typical driver with clean record: 15-25% below market average
- Drivers with bad driving record or traffic ticket: Competitive rates with rehabilitation programs
Available Discounts:
- Military discounts for active duty and deployed members
- Bundling discounts when combining with USAA home insurance rates
- Safe driver discounts through USAA SafePilot
- Multi-vehicle discounts
- Good student discounts
- Vehicle storage discounts during deployment
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Our Expert Takeaway
USAA auto insurance stands out for its specialized military focus, competitive rates, and comprehensive coverage options. With superior financial strength (A++ rating from A.M. Best) and excellent claims handling, it's an outstanding choice for eligible members. While their services are limited to military members and their families, those who qualify receive exceptional value and service tailored to their unique needs.
USAA Auto Insurance FAQ
What is required to be eligible for USAA auto insurance?
You must be a current or former military member, or an eligible family member of a USAA member.
How does USAA handle claims for bodily injury liability?
USAA provides 24/7 claims service with dedicated adjusters who handle both property damage liability and bodily injury claims efficiently.
Does USAA offer coverage for temporarily relocating due to an incident?
Yes, USAA's loss of use coverage helps with extra expenses when temporarily relocating due to a covered incident.
How does USAA's SafePilot program work?
SafePilot is a usage-based insurance program that monitors driving habits through a mobile app and offers discounts up to 30% for safe driving.
What happens if my identity theft occurs during policy coverage?
]USAA offers identity theft protection and assists with legal fees and expenses related to resolving stolen identity issues.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
