USAA Auto Insurance Review 2020

Last modified: September 30, 2020
  • Claims 10
  • Buying 9
  • Transparency 8
  • Coverage Variety 9
  • Value For Money 9
  • OVERALL RATING 9
  • BBB Rating B+
  • Pricing $885
  • Financial Strength A++
  • Coverages 4/5
  • Availability All States
  • User Ratings TrustPilot 1.5 stars
  • Discounts 4/5
  • Support Great customer support

Wondering if USAA car insurance would be ideal for you? This detailed USAA auto
insurance review will help.

Customer Satisfaction and Reviews

USAA has received the expected amount of complaints to the state regulators as per the size of the company.

Platform Rating
TrustPilot 1.5 stars
Consumer Affairs 1.6 stars
BBB B+

 

Customer Support

USAA auto insurance rating has been high for customer support.

There are various ways to get in touch with a representative. You can ask the virtual agent on their website any questions or concerns related to insurance at any time. 

You can call them on the three numbers, including a shortcut mobile number. There are also collect and toll-free numbers for deployment assistance. They have a 24/7 roadside assistance phone number and a fax number for claims. 

Moreover, there are separate contact numbers for all insurance types and services they offer. 

Ease of Use 

The website of USAA is loaded with useful information regarding the types of coverage and other options available. They also offer advice on selling or buying a car or house, retirement life, as well as calculators and planners that can assist you in determining your insurance needs. They also have a virtual agent on the website that can provide you with the right information. 

USAA also has a mobile app that offers secure access to your account. You can file a claim, track the claim, pay your bills, and much more. 

Pricing Review

Now let’s talk USAA Auto insurance quotes.

The average national representative rate of USAA auto insurance is $885, which makes it one of the most affordable auto insurance available. Of course, the total amount depends on various factors, including your age, driving record, and more. 

The average car insurance rate for:

  • A 25-year-old driver is $1,094
  • A 35-year-old driver is $817, and 
  • A 45-year-old driver is $870.

The average insurance rate for drivers as per coverage type is as follows:

  • For low insurance coverage, the rate is $829. 
  • For medium coverage, the rate is $884
  • For high coverage, the rate is $939

The average insurance rate for drivers as per the credit score is as follows:

  • For the drivers with good credit, the rate is $869. 
  • For drivers with fair credit, the rate of $1,041. 
  • For drivers with poor credit score, the rate is $1,653.

Comparison with Competitors

It wouldn’t be a good USAA Car insurance review if we don’t do a comparison with a few of its competitors.

Allstate Auto Insurance

Allstate offers a range of excellent discounts and outstanding perks, like new car discounts, along with cheaper rates. If you want customer satisfaction, then Allstate would be a better choice than USAA. 

USAA offers cheaper premiums. It also offers better rates for drivers with an exceptional credit score. The rates offered to bad drivers are also better by USAA.

Allstate also offers a guarantee for claim satisfaction, which means that you can get a certain amount of money back if you are not satisfied with the way your claim was handled. Still, USAA has scored higher in claim handling. The customers are also happy with customer support. 

Geico Auto Insurance

Geico and USAA are both top ranking auto insurance companies. USAA has an easier claim filing process as compared to Geico. Geico and USAA customers are more likely to renew their policies as compared to their competitors. 

USAA has an advantage over Geico when it comes to rates. The average representative rate for USAA is $885, while Geico’s rate is $1,168. There is no doubt that USAA offers the cheapest rates in auto insurance. 

However, if you have a poor credit score, then Geico is a better option for you. For bad drivers, USAA is more suitable as it offers better rates for an at-fault crash, DUI, etc. When it comes to the driver’s age, USAA is an ideal choice for young drivers. 

State Farm Auto Insurance

State Farm is one of the most established car insurance companies. The average representative score of USAA is $855, and for State Farm, the rate is $1,234. However, State Farm has better rates for drivers who are middle-aged and above, whereas young drivers can get better rates with USAA car insurance. Both companies scored well with customers when it comes to ease of claim filing. 

Both have almost the same representative rate for the driver with DUI, but USAA was slightly better. The claim resolution takes longer with State Farm, whereas, USAA has scored excellent when it comes to claim handling. 

State Farm is surely not for drivers with a bad credit score. If you have a poor credit score, then USAA is a much better option for you. The premiums with USAA are much lower than State Farm. 

Claims Handling

USAA has received a good ranking for managing the claims fairly and quickly. You can get in touch with their claim center 24/7, which means that the claim process can start immediately after the accident happens. 

The claims can be filed through phone or online. The process of filing claims is also rather easy, particularly online. All you have to do is select the auto claim option, log in to your account, fill in the details, and submit. Your account will also allow you to keep track of the claim throughout the process.

Pros & Cons

The Pros

  • Excellent customer service
  • Lower rates
  • Includes accident forgiveness

The Cons

  • Only for military members, and their families
  • High rates for leased cars
  • Fewer discount options than competitors

Final Verdict

USAA provides coverage to all retired and active military personnel and their family members. It is known for its outstanding online experience and customer service. If you are a military member, active or retired, then this is one of the best auto insurance options for you. It offers a complete package and USAA auto insurance reviews praise the customer service.