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