If you are looking for car insurance options in America, USAA Car Insurance may be a great option for you.
In this blog, we will provide detailed information about USAA Car Insurance Rates, discounts, and coverage. You’ll learn how USAA’s rates compare to other companies, how much the costs can be for customers with poor driving records, and what USAA’s premium rates are for young drivers.
Additionally, we will also discuss the attractive discounts and comprehensive coverage options offered by USAA. Keep reading and get help choosing the right insurance for you.
Is USAA a Good Company?
USAA (United Services Automobile Association) is a major financial services provider for former military members, their families and descendants active in the US. This company is known for its outstanding customer service, competitive rates and comprehensive coverage options.
- Characteristics of USAA:
- Customer Satisfaction: USAA J.D. Power’s 2023 Car Insurance Studies received the top customer satisfaction Index score in all 11 American areas.
- Lendingtree: Financial stability: A.M. The USAA is given an A ++ rating by Best, which reflects its strong financial position.
- Lendingtree: Coverage Options: Usaa provides a variety of coverage options, including obligations coverage, conflict coverage, and comprehensive coverage.
- Benefits of USAA:
- High customer satisfaction rate
- All 50 states and Washington, D.C. Availability in
- Insurance coverage and wide range of banking products
- Ease of obtaining online quotes
- Usaa Limits:
- Only active-duty and former military members, available to their spouse and children
- Lack of local agencies
How Much is USAA Car Insurance?
The cost of USAA car insurance depends on several factors, such as your driving record, vehicle type, location, and coverage options chosen. On average, USAA’s full coverage policy has an annual premium of about $1,199, making it the cheapest among the major insurance companies.
USAA Car Insurance Rate Comparison
Usaa car insurance rates are competitive, especially for complete coverage. The table below compared the average annual premium of full coverage and liability coverage of various insurance companies:
| Company | Full Coverage | Liability Coverage |
| USAA | $1,199 | $398 |
| Erie | $1,270 | $497 |
| State Farm | $1,487 | $597 |
| Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
| Farm Bureau | $1,931 | $548 |
| Geico | $1,937 | $727 |
| Progressive | $2,032 | $791 |
| Nationwide | $2,226 | $963 |
| Amica | $2,548 | $1,098 |
| Allstate | $2,609 | $1,158 |
| Farmers | $3,091 | $1,188 |
| AAA | $3,835 | $1,520 |
As can be seen in the table, the full coverage premium of usaa is $ 1,199, making it one of the most affordable options. Additionally, the premium of USAA for liability coverage is $ 398, lower than other major insurance companies. It is worth noting that the rates of USAA are 39% lower than the national average.
However, your personal premium rates will depend on factors such as your driving history, vehicle type, location, and selected coverage options. Usaa also provides various discounts, such as safe driving, multiple vehicles, and vehicle safety facilities, which can further reduce your premium costs.
USAA Car Insurance Cost For a Bad Driving Record
USAA car insurance premium rates vary based on your driving record. If you have traffic violations or accidents on your record, premiums may increase. For example, with a traffic ticket, USAA’s average annual premium is $1,457, while after an at-fault accident it can rise to $1,658. However, these rates are still competitive compared to other major insurance companies.
USAA Average Annual Rate by Incident
The average annual rates of usaa car insurance differ according to the driving record. The table below has compared the average annual premium for various insurance companies based on clean records, tickets, accidents, and DUI (drunk drunk):
| Company | Clean Record | Ticket | Accident | DUI |
| USAA | $1,199 | $1,457 | $1,658 | $2,252 |
| Erie | $1,270 | $1,456 | $1,597 | $2,172 |
| State Farm | $1,487 | $1,616 | $1,843 | $4,402 |
| Country Financial | $1,600 | $2,114 | $2,336 | $2,459 |
| Travelers | $1,919 | $2,468 | $2,699 | $2,893 |
| American Family | $1,920 | $2,352 | $2,980 | $3,114 |
| Farm Bureau | $1,931 | $2,191 | $2,662 | $3,343 |
| Geico | $1,937 | $2,493 | $3,341 | $4,584 |
| Nationwide | $2,226 | $2,839 | $3,460 | $4,376 |
| Amica | $2,548 | $2,739 | $3,943 | $8,905 |
| Allstate | $2,609 | $3,073 | $4,125 | $3,875 |
| Farmers | $3,091 | $4,252 | $4,598 | $4,758 |
| AAA | $3,835 | $4,925 | $6,454 | $7,867 |
As can be seen in the table, the average annual premium rates of usaa grow with clean driving records ($ 1,199) to DUI ($ 2,252). This growth increases with the severity of events in the driving records. UsaA rates are competitive compared to other major insurance companies, especially for serious events like DUI.
However, individual premium rates may vary depending on your location, vehicle type, and other factors.
USAA Car Insurance Rates For Teens
USAA car insurance is an affordable option for qualified 18-year-old drivers. USAA’s average annual premium is $2,847, which is 51% lower than the national average of $5,824.
However, it is important to note that insurance rates can vary depending on individual factors such as driving history, location, and coverage chosen. Therefore, it is worth comparing quotes from different providers to get the best rate for your specific needs.
USAA Average Car Insurance Rate for 18-Year-Old Drivers
USAA offers competitive car insurance rates for young drivers. The table below compares the average annual premiums for full coverage and liability coverage for 18-year-old drivers by different companies:
| Company | Full Coverage ($) | Liability Coverage ($) |
| Country Financial | 2,226 | 1,401 |
| USAA | 2,847 | 1,030 |
| Erie | 3,086 | 1,264 |
| State Farm | 4,128 | 1,811 |
| Farm Bureau | 4,451 | 1,574 |
| Geico | 5,048 | 2,044 |
| American Family | 5,413 | 2,364 |
| Travelers | 5,758 | 2,655 |
| Allstate | 7,668 | 3,399 |
| Nationwide | 7,743 | 3,371 |
| Progressive | 8,495 | 3,193 |
| Amica | 9,052 | 4,071 |
| AAA | 9,111 | 4,075 |
| Farmers | 9,354 | 4,227 |
It is clear from this table that USAA’s full coverage premium is $2,847, which is lower than many competing companies. However, insurance rates may vary depending on individual factors such as driving history, location, and coverage chosen. Therefore, it is worth comparing quotes from different providers to get the best rate for your specific needs.
USAA Car Insurance Discounts
USAA Car Insurance offers a variety of discounts to its customers, allowing them to reduce their premium costs. Below is a list of some of the major discounts:
1. Discounts Based on Driving History:
- Safe Driver Discount: If you have a good driving record for more than five years, you may be eligible for this discount.
- Defensive driving: Completing an approved defensive driving course may get you a discount.
- Driver Training: Discounts available for completion of a driver education or training course.
- Student Discount in Good: Students ages 16-25, who are enrolled full-time in high school or college and have at least a “B” average, may be eligible for this discount.
- SafePilot Discount: You can save up to 30% on premiums when you monitor your driving habits using USAA’s SafePilot app.
2. Vehicle Based Discounts:
- New Vehicle Discounts: New vehicles may get discounts on insuring them.
- Multi-Vehicle Discount: Discounts are available for insuring two or more vehicles on the same policy.
- Annual Mileage Rebate: If you drive less than 12,000 miles annually, you may be eligible for this rebate.
- Vehicle Storage Rebate: If your vehicle is in storage, you may get a rebate.
3. Discounts Based on Policy Options:
- Family Discount: If you were previously an enrolled driver on a USAA policy, you may get a discount.
- Subscription Period Discounts: You may get a discount if you are a long time customer.
- Military Installation Discount: If your vehicle is stored on a military base, you may get a discount on comprehensive and collision coverage.
- No Payment Plan Fee Waiver: If you pay your entire premium amount in advance, you may get a waiver.
- Multi-Policy Discounts: Discounts are available for purchasing multiple types of insurance policies from USAA.
The availability of these discounts may vary by state. For more information and to check your eligibility, contact USAA Customer Service.
USAA car insurance coverage
Usaa car insurance offers its members a variety of coverage options, which can be customized according to their requirements. The main coverage options include:
1. Liability Coverage: If you are responsible for an accident, this coverage covers the cost of medical expenses and property damage of the other side.
2. Collision Coverage: It covers the cost of repairing or replacement of damage or replacement caused by your vehicle colliding with another vehicle or object.
3. Comprehensive Coverage: This coverage covers the damage caused by non-carriage incidents such as stolen, fire, flood, barbarity, or animals colliding with animals.
4. Personal Injury Protection – PIP: This coverage covers the medical expenses of you and your passengers, lost wages, and other related expenses, whether the accident is in the accident.
5. Uninsured/underinsured Motorist Coverage: If you collide with a driver who does not have enough insurance, this coverage covers your medical expenses and cost of property damage.
Apart from these, USAA also offers additional coverage options, such as roadside assistance, rental references, and gap insurance, which can be added according to your special requirements.
Conclusion
Usaa car insurance is an excellent option due to its competitive rates, comprehensive coverage, and special discounts, especially for families who have military backgrounds.
In this post, we analyzed usaa car insurance rates, usaa car insurance discounts, and coverage options in detail. Whether you are young drivers, poor driving records, or in search of cheap and trusted insurance, USAA can meet your needs.