Pros
- Top-tier customer satisfaction and claims experience
- Competitive rates and military-specific benefits
- Strong financial strength
Cons
- Only available to the military community and their families
- Limited physical branch presence (mostly phone and online)
What USAA is known for
USAA was created to serve the military community, and that focus shows. Members regularly report excellent service, smooth claims, and competitive rates, along with perks tailored to military life — such as discounts for storing a vehicle during deployment and coverage that travels with you.
Who is eligible
Membership is open to active-duty, National Guard, and Reserve members, veterans who served honorably, and their spouses and children. If no one in your household has a military connection, you will not be able to buy a USAA policy — which is the main reason to compare other insurers too.
Coverage options
- Standard auto: liability, collision, comprehensive, uninsured/underinsured motorist
- Roadside assistance, rental, and accident-forgiveness style benefits
- Homeowners, renters, and valuable personal property coverage
- Military-specific perks like deployment and storage discounts
Discounts
- Safe-driver, good-student, and new-vehicle discounts
- Multi-policy (bundling) and multi-vehicle discounts
- Vehicle-storage discount during deployment
- Loyalty and long-term member savings
Is USAA right for you?
If you are eligible, USAA is one of the strongest all-around choices for auto and home insurance. If you are not connected to the military, you will need to look elsewhere — comparing several insurers is the best way to find your equivalent.
Compare your best options
Whether or not USAA is available to you, we will match you with competitive quotes from licensed providers so you can compare.
Get my quotesThis review is for general education only and is not insurance advice or an endorsement. Coverage, rates, discounts, and availability vary by state and applicant. Company names and features are described for comparison; Wise Choice Rate is an insurance comparison marketplace, not affiliated with the insurers listed.