USAA Auto Insurance Score for 2022 – Kelley Blue E-book

The acronym for United Services Automobile Association, USAA, offers a variety of auto insurance policies tailored to meet all of their customers' needs. The company is known for its high levels of customer satisfaction and low prices. But there is a catch.

To qualify for a USAA policy, you must be in the US military, a veteran or spouse, or child of a current or former military member.

What types of vehicle insurance does USAA offer?

USAA offers a variety of insurance policies for all types of vehicles, including classic cars and RVs. The insurer offers the most common types of insurance, including:

  • Full
  • collision
  • liability
  • Not insured and underinsured
  • Personal Injury Protection (PIP)
  • Uninsured and underinsured drivers

The insurer also offers additional types of coverage, including:

  • Car replacement help: According to ValuePenguin, you get 20% plus the actual cash value of the vehicle when you sign up for this insurance.
  • Accident forgiveness: Allows customers to keep their coverage in case they cause an accident. It is automatically earned after five years of accident-free insurance, but it can also be acquired.
  • Rent refund: With this type of insurance, customers receive a rental vehicle if their car needs to be repaired after an insured accident. USAA lets you choose the type of vehicle you want to rent.
  • Towing and work: If you need roadside assistance, this coverage covers the cost of towing and all on-site work.
  • Glass: This coverage is usually an add-on that pays for cracked or broken windshields and car windows. If you live in Florida, Kentucky, Massachusetts, or South Carolina, glass coverage is automatically added to your comprehensive policy when you choose USAA.
  • GAP: For customers who finance their vehicle, GAP insurance covers the difference between the amount owed and the total value of the vehicle in the event of a total write-off.

What are the benefits of USAA auto insurance policies?

USAA could be a great fit for you if you are a current or former military member. The insurer receives high customer satisfaction ratings. USAA also saves its customers money with its large number of coverage and discount options. However, since it is only available to military personnel and loved ones, it is not an option for most people.

USAA offers typical discounts like loyalty, good student, multiple vehicles, and a family discount for additional drivers.

The insurer also offers time out for:

  • Stored vehicle: Members who keep their car in a safe place for more than 30 days can get up to 60% off their insurance premiums.
  • Military-based camp: Save up to 15% on your fully comprehensive insurance when you park your vehicle at a military base.
  • Driving research: This type of discount (around 5% discount) is for drivers who decide to add a device to their car to help the USAA research.
  • Premier Driver: If your ticket stays clean for at least five years in a row, you can get this break.

USAA auto insurance costs

Several factors affect the amount you have to pay to get USAA coverage. This includes age, marital status and gender.

According to The Zebra, the average monthly price for USAA auto insurance is $ 106 while the industry average is $ 124.

How demographics affect rates

The data received from Savvy to the Kelley Blue Book can better understand how age, gender, and marital status affect USAA's average monthly auto insurance cost in the table below. Savvy collects data from current consumer policies, including tariff information, age, marital status, and other demographics.

The statistics provide a representative sample that serves as a general guide. Learn more about Savvy's methodology.

Average monthly cost
Age group gender marital status worth
25 to 34 Female married $ 190.18
25 to 34 Female singles $ 166.24
25 to 34 male married $ 203.75
25 to 34 male singles $ 178.27
35 to 49 Female married $ 242.57
35 to 49 Female singles $ 173.52
35 to 49 male married $ 218.40
35 to 49 male singles $ 155.86
50 to 69 Female married $ 230.15
50 to 69 Female singles $ 160.18
50 to 69 male married $ 268.74
50 to 69 male singles $ 143.59

Source: Savvy

Other Factors Affecting USAA Insurance Offerings

In addition to your age, gender, and marital status, insurers take into account your location and driving history, including DUIs, car accidents, and parking tickets, among other things.

In most states, insurance companies are also allowed to charge individuals based on their credit history.

Let's see how some of these factors can affect your offering from USAA.

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location

In addition to the factors mentioned above, location also affects insurance costs. Living in a big city with higher crime and accident rates means that car insurance costs will increase compared to smaller cities with low crime and accident rates. Living in the states of Tornado Alley or America’s Plains can affect how insurers prepare your insurance offer.

DUI

According to The Zebra, the USAA is the cheapest insurer after a DUI. The data shows that USAA drivers will pay an average of $ 805 more for auto insurance after a DUI incident. Since not every driver can get USAA insurance, and every insurer uses formulas and factors to qualify drivers, it is advisable to shop around different providers and check prices.

car accident

After an accident that results in a failure, fees increase by an estimated $ 340 per year for at least three years after an accident, according to The Zebra. However, the USAA is running an accident forgiveness program to help first-time offenders see such a surge.

Credit history

According to The Zebra, drivers with the lowest credit points generally pay at least twice as much as those with great and exceptional results. In some states, drivers with very poor ratings can expect to pay 115% more than drivers with exceptional credit ratings.

For example, drivers with excellent credit pay an average of $ 1,349 while drivers with very poor credit pay $ 2,895.

The good news is that four states don't allow insurers to check creditworthiness or history in order to calculate auto insurance. These states are California, Michigan, Massachusetts, and Hawaii.

Are Drivers Satisfied With USAA?

Overall, USAA's customer satisfaction levels are relatively high. The insurer is among Investopedia's top-rated companies in many of its ratings, including Best Car Insurance, Best Car Insurance for Teens, and Best Military Car Insurance.

USAA also ranks J.D. Power among the top rated companies. USAA received excellent ratings in the latest customer satisfaction and claims satisfaction surveys by J.D. Power.

In 1922, 25 Army officers founded the USAA in San Antonio. The company reached more than 13 million members and has net worth of nearly $ 36 billion in 2019.

Rating services rank USAA as a top provider. The company received an A ++ rating from A.M. Best and AA + from S&P, which shows excellent financial stability.

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