USAA Auto Insurance Review for 2022

Pros and cons

It's hard to beat the lowest auto insurance rates, and right now USAA has them -- at least among major car insurers.

USAA's exclusive membership rules are its biggest downside. It's limited to current US military members, military veterans or their immediate family members.


At an annual average of $1,209, its full coverage rate for drivers with clean histories is at least $500 less per year than the industry average, per Bankrate.

Coverage options

Although it doesn't offer conventional gap insurance, USAA offers all of the other major coverage types generally provided by auto insurers.


Unique to USAA is a military installation discount, which offers up to 15% off your premium for storing your vehicle at a military base.

Customer satisfaction and complaints

USAA is excluded from J.D. Power rankings, but its auto insurance ratings for customer satisfaction and claims satisfaction for 2021 were the highest among major car insurers.

SafePilot telematics program

Telematics describes systems that monitor driver and automobile behavior over long distances using GPS and on-board diagnostics. Like other auto insurance telematic programs


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