- Avg. monthly premium
- $88/mo
- Claims score
- 909/1000
- Discounts
- 12+
- Availability
- 50 states
Why it stands out
USAA highlights
- Industry-leading claims and customer-satisfaction scores
- Rates that frequently undercut every major competitor
- SafePilot app discounts careful driving up to 30%
- Storage and deployment discounts built for service life
The verdict at a glance
Pros and cons
Pros
- Highest-rated service and claims experience in the category
- Consistently low premiums for eligible members
- Perks tailored to deployment and military relocation
Cons
- Membership limited to the military community and their families
- No local agent offices for in-person visits
Our full review
Our take on USAA
USAA posts the highest satisfaction scores in the industry year after year, paired with rates that regularly beat the field. The catch is eligibility: coverage is open only to military members, veterans, and their families, but for those who qualify it is tough to beat.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on USAA’s own site before you apply.
The alternatives
How USAA compares
Other top-rated insurers in Car Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | GEICO | $92/mo | Drivers who want low rates without a broker | Get Quote | |
| 2 | Progressive | $104/mo | Drivers with tickets or an accident on record | Get Quote | |
| 3 | State Farm | $118/mo | Drivers who want a nearby agent to call | See Rates | |
| 4 | Allstate | $139/mo | Drivers who want rewards and accident forgiveness | See Rates |
- GEICO4.8Best for Drivers who want low rates without a broker
- Progressive4.7Best for Drivers with tickets or an accident on record
- State Farm4.6Best for Drivers who want a nearby agent to call
- Allstate4.4Best for Drivers who want rewards and accident forgiveness