Reviewed By Joshua Adamson
on October 17, 2016

USAA USAA

Overall 5 / 5

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USAA offers auto insurance to military members and their families. The great news for customers is that USAA car insurance rates are highly competitive—meaning it’s a reliably affordable option.

Before we get into the details, there are a few things to consider. First, no two people will get the exact same quote from a car insurance company. This is because rates for car insurance are specific to each individual. To know exactly what your cost will be is to call or go online for your own car insurance quote.

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This variation in car insurance quotes can make the shopping process frustrating. That’s why we research each insurance company to find out what people—just like you—are likely to pay for their policies. Our data includes rate information from state insurance departments, broken down by demographics and driving history.

How USAA Car Insurance Quotes Compare Overall

We compared USAA’s rates to five other top companies—using data from all 50 states. When looking at the driver profiles below, we found that USAA is, on average, 19 percent less expensive than the second-cheapest provider. In all three age groups we reviewed, USAA is cheapest. The company is especially inexpensive for 30-year-old single drivers, who pay about $866 per year, or just $72 per month.

 21-Year Old Single Drivers30-Year Old Single Drivers45-Year Old Married   
USAA$1,376.68$865.60$1,026.40
FARMERS$2,235.37$1,002.29$1,177.63
PROGRESSIVE$2,031.80$1,048.73$1,248.79
AMERICAN FAMILY$2,335.62$2,098.00$1,342.44
NATIONWIDE$2,018.86$1,214.49$1,699.20
TRAVELERS$1,966.47$1,320.73$1,890.00

USAA Car Insurance Quotes by Age and Marital Status

We also analyzed the data to see how USAA’s car insurance rates change due to age and marital status. The conclusion we found is that regardless of gender, quotes for drivers in their 30’s are the cheapest by 20 percent. When comparing premiums for married drivers to single drivers, married couples may pay up to $380 less.

 Average Premiums
Teens$2,523.98
Drivers in their 20's$1,183.16
Drivers in their 30's$737.38
Drivers 65 and Over$923.68
Married Drivers$728.20
Single Drivers$1,108.91

* These are real numbers from 2014 and are subject to change. We’re presenting them to show you how companies stack up against each other. Rates also vary by state and demographic information.

How to Save with USAA

When it comes to accurate quotes, there are a few steps you can take that could save you time, money, and frustration:

  • Drive Safely. If you’ve had a clean driving record for the past five years, ask if you’re eligible for a discount when you get a quote.
  • Take a Driver Training Course. Drivers under age 21 can save up to five percent on their overall insurance premium.
  • Get Good Grades. If you have a full-time student on your policy who maintains a top-notch grade point average, USAA may reward you with additional savings.

These are just highlights of some of the discount and savings options. There are even more ways to save with USAA.

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How to Get an Accurate Quote from USAA

It doesn’t take much effort to make sure you get accurate quotes from car insurance companies. You can take a few steps that could save you time, money, frustrations. So if you’re ready to get a USAA car insurance quote, don’t avoid these three important tips:

  1. Be honest.
  2. Shop around.
  3. Ask about discounts.

Always be honest with car insurance companies when the agent asks you questions. You’ll be asked about your age, sex, driving history, and vehicle information. Don’t hide that speeding violation or at-fault accident on your record. Because this information will be discovered eventually, it’s going to affect you one way or the other. And if the insurance company learns later that you weren’t honest, it could hike up your insurance rates or even cancel your policy.

You should always shop around when looking for car insurance. Don’t just go with the first offer you get online or over the phone. Our research has shown that rates can vary dramatically among car insurance companies—even for the same driver. Plus, you might be eligible for discounts with one company and not with another. Learn more ways save money on your auto insurance premium.

How Happy are USAA Customers with the Cost?

In our analysis of customer reviews for the cost of USAA car insurance, USAA received an average score of 4.2 out of 5. This was the highest rating—tied only with GEICO—among the 20 companies we looked at. It’s clear that USAA customers are generally satisfied with the cost of their car insurance.

These glowing reviews aren’t surprising. As we’ve mentioned, USAA quotes come in much lower than the competition, and the company offers several discounts. If you decide to become a USAA car insurance customer, we wouldn’t blame you.

Cost isn’t the only type of review that we researched. From customer service to claims handling, read more about USAA auto insurance reviews.

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The Final Word

We’ve laid out the basics when it comes to USAA car insurance quotes. You’ve seen that USAA is often cheaper than any of its competitors and that it offers plenty of discounts. If you’re part of a military family, we’d be hard pressed not to recommend that you insure your car with USAA. The decision is up to you, but here’s the bottom line:

When it comes to cost, USAA is an excellent choice for military members and their families.

About USAA Auto Insurance

USAA is a financial and insurance company for military personnel and their immediate families. Founded in 1922, USAA built its company on the pillars of service, loyalty, honesty, and integrity. Today, it provides retirement, banking, investment, and insurance services for the men and women who serve our nation.

To learn what we found in other aspects of the company, read more: