USAA Insurance Company Review 2023

Is USAA a good insurance company?
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Trusted Choice's USAA Insurance Score

4.5/5 stars

4.5 Stars awards USAA insurance company a final rating of 4.5 out of 5 stars. For starters, the carrier has been around for a century now. USAA has received extremely high ratings through multiple organizations, including AM Best. 

While coverage availability is limited to military members and their families, the carrier provides a multitude of insurance products for this niche of customers, from homeowners insurance to umbrella insurance and beyond. USAA motorcycle insurance has been highly rated by customers across the web. The carrier has had a high volume of complaints filed against them through the BBB over the past few years, which is a bit concerning and docks them half a star in our books. However, despite the somewhat mixed customer feedback, many folks leave glowing reviews and report excellent experiences with the carrier’s customer service and coverage alike. 

USAA also provides one of the best user-friendly experiences around with an excellent website and simple claims filing process. Overall, we say that if you qualify for coverage and are in need of any of their products, don’t hesitate to look into USAA with your independent insurance agent to be your next trusted insurance company.

USAA Insurance Company Pros and Cons:

Pros: Cons:
Has a century’s worth of experience in the insurance industry.
Not a BBB-accredited business.
Offers several types of coverage for military members and their families, including auto insurance, umbrella insurance, flood insurance, and more.
No official claims response timeframe promise.
High ratings through AM Best and other organizations.
Many complaints filed through the BBB.
Large customer base.
Some mixed customer feedback.
Great, user-friendly experience.
Strong financial stability.

What Types of Insurance Does USAA Offer?

USAA offers a wide range of coverage for military members and their families. Their insurance offerings include:

  • Homeowners insurance
  • Renters insurance
  • Auto insurance
  • Life insurance
  • Health insurance
  • Dental insurance
  • Vision insurance
  • Umbrella insurance
  • Flood insurance
  • Condo insurance
  • Motorcycle, RV, and boat insurance
  • Small business insurance
  • Valuable personal property insurance

If you’re in the market for any of these coverage solutions, talk to your independent insurance agent about USAA to find out if this is the right carrier to meet your needs.

What to Know about USAA

USAA was founded in 1922, giving the carrier a century’s worth of experience in the insurance industry. The insurance company was originally created by a group of Army officers who decided to insure each other’s vehicles. Since then, USAA has expanded to service millions of customers across the country with a variety of coverage solutions, including homeowners insurance, umbrella insurance, health insurance, and more.

In 2019, USAA’s net worth surpassed $35 billion. By the end of that same year, the insurance company had 13 million members (i.e., policyholders) and 35,000 employees and had paid out $2.4 billion in returns to its customers. USAA has consistently received high marks from major credit rating agencies, such as an “AAA,” or exceptional, rating from Moody’s Investors Service and an “AA+,” or very strong, rating from Standard & Poor’s. AM Best rates the insurance company as having an exceptional long-term outlook.

USAA’s long-standing history, massive size, and amount of insurance in force has aided the carrier’s reputation as a financially stable insurance company with a strong outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives USAA an “A++” rating—the highest available—indicating the carrier is a superior choice for insurance customers. A high rating from AM Best assures customers that USAA is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ respective reputations, AM Best’s rating system allows them to make an informed decision about who they can trust to meet their needs.

What Discounts Does USAA Offer?

USAA offers several competitive discounts for its customers on all kinds of coverages, including their auto insurance. These discounts include:

USAA Insurance Discounts
  • New vehicle discount: Offered to customers who insure a car that is less than three years old. 
  • Multi-vehicle discount: Offered to customers who insure more than one car through USAA. 
  • Annual mileage discount: Offered to customers who drive less than a specified number of miles annually. 
  • Vehicle storage discount: Offered to customers who store a vehicle they insure through USAA. 
  • Family discount: Offered to new customers whose parents were insured by USAA first. 

Your independent insurance agent can help you find even more information on discounts offered by USAA and additional ways to save money through the insurance company, helping you get the coverage you need at the rate you deserve.


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USAA Customer Service

USAA allows customers to file claims online at any time. The carrier provides the following customer service options:

  • Online claims reporting
  • Snail mail claims reporting
  • Mobile app available
  • Main customer service hotline has the following hours available:

Hours (CT)

Monday-Friday 8 am - 5 pm

USAA insurance phone number: 800-531-8722

The best way to ensure a smooth customer service experience is by working with an independent insurance agent. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.

USAA Customer Reviews

These USAA Insurance reviews were compiled from various resources across the web for your convenience. Many customers search the web first when comparing prospective carriers on their coverage journeys. Check out the following reviews for mentions of customer USAA homeowners insurance reviews, USAA pet insurance reviews, USAA travel insurance reviews, USAA life insurance reviews, USAA auto insurance reviews, USAA health insurance reviews, USAA car insurance reviews, USAA family protection life insurance reviews, USAA jewelry insurance reviews, USAA umbrella insurance reviews, USAA renters insurance reviews, USAA term life insurance reviews, and USAA insurance reviews from the BBB.

Consumer Affairs
5 Stars

“I was struck by another car in a parking lot. I filed, but the other driver didn't. His company said he wasn't covered. USAA had my car repaired and took action against the other driver. Eventually the other company paid, and I was absolved of all expense and fault. The adjuster could not have been more knowledgeable, professional, and friendly. A real pleasure to deal with. Thank you."


Consumer Affairs
5 Stars

“Some drunk driver hit my son at a red light so hard it lifted up my 3500 lbs. 350 van. After it took them over a week to accept liability (even though the driver was given a sobriety test, put in handcuffs, then hauled away) they didn't send out an adjuster. I had to get pictures taken of damage (which was over 5 grand) then sent a quote for 3 grand claiming some damage was done prior to the accident (it wasn't). Then when I try to go thru the shop they go thru I'm told I can't get an estimate from them because USAA already sent out an estimate so I would have to change the estimate app to drop off for repairs instead.”


5 Stars



5 Stars

“Low rates and good customer service make it a sound choice for those who are eligible for USAA membership. It typically offers low rates for both auto and home insurance, despite the lack of available discounts. Overall, USAA is a great choice for your insurance needs."


Consumer Affairs

“They need to shorten their customer service wait time. Other than that, I am satisfied with their coverage, rates, ease of their website, and overall service.”



USAA allows customers to file claims through a couple of different mediums. However, the carrier does not make a specific claims response timeframe promise.

USAA allows claims reporting over the phone but encourages customers to file online. Their customer service hotline is available at restricted hours, Monday-Friday. The insurance company also has an active social media presence on Facebook, LinkedIn, and Twitter, which makes them even more accessible to customers.

USAA offers a highly user-friendly claims process through its official website. Customers answer a series of simple, multiple-choice questions, and the website automatically responds accordingly, making for a fast and easy guided filing process.

USAA’s official website is excellent. The layout is highly intuitive and easy to navigate, and pertinent information is fleshed out in satisfactory depth. However, the carrier could benefit from detailing a more specific claims response time frame promise. The carrier allows customers to file claims through the website and provides a simple filing process. The carrier also has a mobile app and a strong social media presence. Overall, USAA’s user-friendly experience is among the best of all modern carriers today.

USAA offers a multitude of insurance products but was originally founded with a focus on auto insurance. The insurance company offers the following coverage options under its auto insurance policies:

* Comprehensive coverage
* Collision coverage
* Liability coverage
* Uninsured and underinsured motorists coverage
* Full coverage (i.e., collision, comprehensive, and liability)

Your independent insurance agent can help you find out more about USAA’s auto insurance policies as well as the many other products offered.

USAA has been around for a century and has received very high marks through many different rating organizations. However, the carrier is not rated or accredited through the BBB and has had more than 1,400 complaints filed against them in the past three years, which is extremely high. That being said, while there is some mixed customer feedback, it’s easy to spot many glowing reviews of the carrier across the web. High ratings, satisfied customers, and a highly user-friendly experience combined allow us to safely determine that USAA is indeed a good insurance company.

For a USAA insurance quote, contact an independent insurance agent today. They can help you compare the carrier's many different policies and coverage options to find what works best for you. Get started with an independent insurance agent today for a USAA car insurance quote, or a quote for whichever type of policy you're in need of.

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