car insurance

USAA Car Insurance Review 2023

When it comes to car insurance, USAA is a popular choice for those who qualify. This article will explore the key aspects of USAA auto insurance, including its eligibility requirements, pros, and cons. We’ll also provide you with a comprehensive comparison of USAA’s rates for various driver profiles, helping you make an informed decision.

Eligibility for USAA Auto Insurance

USAA is known for its affordable car insurance options, but it’s important to note that not everyone can avail of their services. USAA exclusively offers insurance policies to:

  • Active military members
  • Veterans
  • Immediate family members of military personnel

Now, let’s delve into the advantages and disadvantages of choosing USAA for your car insurance needs.

Pros and Cons of USAA Auto Insurance

ProsCons
Low costs for all driving recordsLimited eligibility (only for military members, veterans, and their families)
Competitive rates for seniors and young driversModest bundling discount (6%)
Valuable features (accident forgiveness, new car replacement)Competitive teen driver costs
Usage-based insurance program (SafePilot)No gap insurance
Rideshare insurance coverage optionSlightly higher auto insurance complaints

Now, let’s look at how USAA’s car insurance rates stack up against other major insurance providers.

USAA car insurance cost comparison for good drivers

For good drivers, USAA offers the most affordable rates among the large insurers we evaluated. Their national average rate is well below the industry average of $2,150 per year.

CompanyNational Average Annual Cost for Good Drivers
USAA$1,412
Geico$1,716
State Farm$1,959
Nationwide$2,041
Progressive$2,157
Farmers$2,381
Allstate$3,000

USAA car insurance cost comparison for drivers with a speeding ticket

USAA also provides competitive rates for drivers with speeding tickets. Shopping around for quotes is wise in this situation, as costs can vary significantly from one insurer to another.

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CompanyNational Average Annual Cost for Drivers with a Speeding Ticket
USAA$1,709
Geico$2,098
State Farm$2,311
Nationwide$2,439
Progressive$2,793
Farmers$3,014
Allstate$3,213

USAA car insurance cost comparison for drivers who caused an accident with injury

USAA offers the lowest rates for drivers responsible for accidents with injuries, significantly below the national average.

CompanyNational Annual Average Cost for Drivers Who Caused an Accident with Injury
USAA$2,093
Geico$2,487
State Farm$2,554
Nationwide$3,050
Progressive$3,413
Farmers$3,446
Allstate$3,870

USAA car insurance cost comparison for drivers with a DUI

USAA’s rates for drivers with a DUI are also competitive, offering savings compared to the national average.

CompanyNational Average Annual Cost for Drivers with a DUI Conviction
USAA$2,751
Progressive$2,776
State Farm$3,235
Geico$3,451
Farmers$3,517
Nationwide$3,677
Allstate$3,856

USAA car insurance cost comparison for drivers with poor credit

USAA’s rates remain competitive for drivers with poor credit compared to the national average.

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CompanyNational Average Annual Cost for Drivers with Poor Credit
Geico$2,426
USAA$2,594
Nationwide$2,771
Farmers$3,921
Allstate$4,028
Progressive$4,215
State Farm$5,051

USAA car insurance cost comparison for adding a teen driver

Adding a teen driver to your policy can be costly, but USAA’s rates are competitive and below the national average.

CompanyIncrease per Year for Adding a 16-Year-Old Driver
Nationwide$1,774
Geico$1,952
USAA$2,036
State Farm$2,124
Progressive$2,225
Farmers$3,780
Allstate$3,948

USAA car insurance cost comparison for young drivers ages 18 to 25

For young drivers between the ages of 18 and 25, USAA offers competitive rates well below the national average.

CompanyNational Average Annual Cost for Young Drivers
USAA$2,774
Geico$3,332
State Farm$3,795
Nationwide$4,268
Farmers$5,420
Progressive$5,791
Allstate$5,999

USAA car insurance cost comparison for senior drivers age 70 and 80

USAA’s rates for senior drivers aged 70 and 80 are notably lower than the national average.

CompanyNational Average Annual Cost for Senior Drivers
USAA$1,674
Geico$2,057
State Farm$2,085
Nationwide$2,154
Progressive$2,481
Farmers$2,849
Allstate$3,163

Auto Insurance Complaints Against USAA

It’s worth noting that USAA has a slightly higher level of auto insurance complaints compared to some other major insurers. Common complaints relate to claim denials, delays, and unsatisfactory settlements. Despite this, USAA remains a popular choice for many due to its competitive rates and features.

In conclusion, USAA offers affordable car insurance for a wide range of drivers, with some limitations based on eligibility. Be sure to evaluate your specific needs and circumstances before making a decision to ensure you get the best coverage and value for your money.

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