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USAA auto insurance review and ratings 2025

While not everyone can join, USAA was highly rated in several categories in Insure.com’s 2025 Best Car Insurance Companies survey of insurance consumers. USAA is ranked highly for cheap rates, customer satisfaction, ease of service and claims handling.
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Our take

If you are eligible for USAA membership, its coverage and competitive rates are hard to beat. While not everyone can join, USAA is worth looking at for its insurance options, as it was highly rated in nearly every category in our 2025 Best Car Insurance Companies survey of insurance consumers.

Although USAA isn’t ranked because it isn’t available to those outside the military community, it is a notable company in the survey. It ranked first for cheapest rates, customer satisfaction, ease of service, policy offerings, drivers with tickets and home and auto bundling.

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

USAA
USAA Ratings
Overall Rating: 4.76
Average Premium: 5.00
NAIC: 1.18
Customer Satisfaction: 4.78
AM Best Rating: A++
Effective date:

Pros and Cons

Pros:
  • Highest ranking for customer satisfaction
  • Average rates are the cheapest among its competitors
  • Top-ranked for policy renewals
Cons:
  • Unavailable to most consumers
  • Very few local offices

How much USAA insurance costs

USAA has the cheapest average monthly rates for auto insurance at $115 per month. If you are a member of the military community or a family member, USAA provides the cheapest premiums among the major companies we surveyed.

Company Monthly premium
Allstate$209
American Family$142
Amica$185
Auto-Owners$129
Erie$123
Farmers$199
Geico$147
Nationwide$129
Progressive$166
State Farm$165
Travelers$134
USAA*$115

*USAA is only available to military community members and their families.

How USAA scores on customer satisfaction

When you ask policyholders about customer satisfaction, USAA is one of the top companies, with 99% of respondents saying they’re pleased with the service they received. No company received a higher score.

CompanyCustomer satisfaction
USAA99%
Amica97%
Nationwide85%

How USAA scores on ease of service

USAA was one of the top companies in 2025’s Best Insurance Companies ranking for ease of service – including accessing policy documents and services – along with Amica at 97%.

CompanyCustomers satisfied with ease of service
USAA97%
Geico93%
Travelers88%

How USAA scores on policy offerings

When we asked customers to rate insurance companies based on their policy offerings, USAA had one of the highest scores, with 96% satisfied. Amica was slightly behind at 93%. USAA also offers condo/home/renters insurance, valuable property insurance, flood insurance and life insurance. 

CompanyCustomers satisfied with policy offerings
USAA96%
Farmers84%
The Hartford81%

Would current customers recommend USAA to others?

If anyone recommends USAA auto insurance, don’t be surprised. We found that most customers (95%) would recommend it to others. Most companies landed in the 80th and 90th percentiles in this category.

CompanyCustomers who would recommend the company
USAA95%
Nationwide96%
Allstate88%

How trustworthy is USAA?

USAA continues its straight As with a consumer score of 93% for trustworthiness. Amica edged past USAA in this category, and State Farm tied USAA at 93%.

CompanyTrustworthiness
USAA93%
Amica97%
State Farm93%

Do USAA customers plan to renew?

Ninety-six percent of USAA customers said they plan to renew, one percentage point lower than Travelers. Most companies scored in the 90th percentile for renewal rates.

CompanyCustomers who plan to renew 
USAA96%
Travelers97%
State Farm92%

How USAA scores on claims handling

When it comes to claims handling, USAA outranks the competition, beating most other companies with a score of 91%. Only Farmers (94%) did better. Most insurers scored in the 70th to 80th percentile for claims handling.

Company Claims handling
USAA 91%
Farmers 94%
Travelers 78%

How USAA scores on digital experience

USAA earned high marks for its digital experience, scoring 91%. Nationwide was the top scorer with 91%, but most companies were in the 70th and 80th percentiles for digital experience, which suggests some room for improvement among insurers.

Company Digital/online experience
USAA 91%
Nationwide 96%
Travelers 79%

How USAA scores on discounts

The scores among companies for discounts greatly varied—from 52% for Travelers to 86% for Nationwide, the highest score. USAA earned an 80% score.

Company Discounts
USAA 80%
Nationwide 86%
Travelers 52%

How USAA scores for bundling home and auto policies

USAA has some of the lowest annual rates when home and auto policies are bundled; however, its premiums are already low. Among those surveyed, 86% reported satisfaction with their discounts.

Company Bundling
USAA 86%
Nationwide 92%
American Family 68%

USAA vehicle insurance coverages

  • Auto
  • Pay as you drive
  • Motorcycle
  • ATV
  • RV and motorhome 
  • Boat 
  • Bicycle and e-bike 
  • Classic and collector car 
  • Aviation

USAA additional insurance policies

  • Renters 
  • Homeowners
  • Condo 
  • Landlord 
  • Valuable personal property 
  • Flood 
  • Mobile home 
  • Collectibles 
  • Cell phone protection 
  • Umbrella 
  • Business insurance 
  • Life 
  • Dental 
  • Vision
  • Medicare plans 
  • Pet 
  • Travel 
  • Special event 
  • Personal cyber insurance

USAA car insurance coverage options

  • Liability 
  • Collision
  • Comprehensive 
  • Uninsured and Underinsured motorist
  • Roadside assistance 
  • Rental reimbursement

USAA car insurance discounts

  • Good driver 
  • Bundling 
  • New vehicle 
  • Anti-theft device
  • Loyalty 
  • Military deployment 
  • Driver training
  • Defensive driving
  • Legacy discount
  • USAA SafePilot (telematics)
  • Usage-based program
  • Multi-vehicle 
  • Storage discount 
  • Military on-base

States where USAA offers coverage

Graph
Table
States where USAA offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available

Company background

USAA

USAA has been in business since 1922 and has provided insurance to generations of military members in the U.S. USAA offers membership to active and former service personnel, plus families (defined as widows, widowers, un-remarried former spouses, and individuals whose parents have had USAA auto or property insurance), cadets, and midshipmen at U.S. service academies.

USAA has 13 million members worldwide. Military members and veterans can pass down their membership to the next generation.

Resources & Methodology

Methodology

In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers. Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories: customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage.

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking.

The editors also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. No insurer in our star ranking received less than half a star, and 5 stars was the most any insurer could receive.

author image
Laura Longero
Executive Editor

 
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Laura is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.

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