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About USAA Insurance Company

USAA insurance is known for its high customer satisfaction ratings, which are among the top ratings in the industry. Consumer complaints are around the median for the auto insurance industry, and lower than the median for life and home insurance. USAA is only open to people who are active in the military, military veterans, and their families. A variety of insurance products are offered, and customers of USAA can also bank and invest through the company. USAA is the fifth largest auto insurance company in the U.S. according to A.M. Best.

USAA stands for United Services Automobile Association. It is a Texas-based company that has over 12 million members. Founded in 1922 in San Antonio, Texas by a group of army officers who were unable to secure car insurance plans because of their perception as a high-risk group, the company has expanded and become a well-known and reputable name in car insurance. They ranked number 100 on the 2018 Fortune 500 list of the largest United States companies by total revenue.

Early in its history, USAA opened offices internationally, including in London, England and Frankfurt, Germany. Most of its business is conducted over the Internet or via telephone, instead of using agents. Earlier in its history, most of its business was conducted through the mail service. USAA offers life insurance and home insurance, as well as a number of other services.

Getting Car Insurance With USAA

Because USAA products are only available to active military, military veterans, and their families, not everyone will be able to get an automobile insurance policy with of the company. USAA car insurance often offers the lowest rates among the larger insurance companies. The coverage types and discounts that are available are in line with other automobile insurance providers.

USAA does offer accident forgiveness as an add-on coverage. With accident forgiveness, USAA will not increase your automobile insurance premiums after the first accident you are at fault for if you have been with the company for five years.

Minimum Coverage Options Available With USAA

USAA offers the same minimum coverage options that each state they provide policies in require.

USAA offers affordable rates, especially for younger drivers and people who own high-value homes. There are discounts available for people in active duty, as well as specialized services. People who are not affiliated with the Armed Forces cannot get policies through USAA. Their low rates and fantastic customer service make them a company with an excellent reputation and a great choice for insurance coverage.


Larry Redpath
Your vote
5.0 out of 5.0
Got my claim processed quickly, with an adjuster coming out within a few days. I wish all insurance claim processes ended up like this. USAA is a solid company, and we love the support.
Reviewed on Aug 11, 2017
Tom Romero
Your vote
4.0 out of 5.0
The only complaint I have is waiting an hour for roadside assistance, which seemed like a long time at the time. My friends think it's about average, rates are excellent though.
Reviewed on Jun 19, 2017
Frank Nesbitt
Your vote
5.0 out of 5.0
The people at this company are straightforward, polite, and get down to business. I do not like being transferred to a million different people to have simple questions answered, so thank you for your service.
Reviewed on Jul 25, 2018
Steve Warren
Your vote
5.0 out of 5.0
The rates I get with them compare well. Even if they didn't, it would be hard for me to switch companies. I am very comfortable with their service, it is excellent.
Reviewed on May 25, 2018
Ben Padilla
Your vote
5.0 out of 5.0
Good people. Good company. Good customer service. I initially went with this company because it was the best rate and my friends pointed me their direction. Not planning to switch, support those that support us.
Reviewed on Nov 06, 2018
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