USAA review

USAA is closed to most drivers, but for those who qualify it is hard to pass over. Eligibility covers active-duty military, National Guard and Reservists, veterans with an honorable or general under honorable discharge, ROTC cadets and spouses and children of members. USAA says a survey found members saved an average of $960 a year when they switched. Its two telematics programs are the most flexible here: SafePilot gives up to 10% off for enrolling and up to 30% off at renewal, while SafePilot Miles prices by mileage for people who drive under 8,000 miles a year. Military-specific discounts include up to 15% off comprehensive for garaging on base and a storage discount for vehicles that are not driven. Children of members get up to 10% through the MyUSAA Legacy Discount. One caveat: from October 2026, some USAA affiliates may raise renewal premiums for risky driving under SafePilot. We compared documented features and published prices.

Who it is for

Military members, veterans and their families

Price

No published starting price; USAA says members saved an average of $960 a year when they switched.

A survey showed that our members saved an average of $960 per year when they switched to USAA Auto Insurance.
Quoted from the vendor pricing page on November 11, 2026.

Key features

• USAA SafePilot: up to 10% off when you enroll and up to 30% off at renewal for safe driving
• USAA SafePilot Miles for drivers under 8,000 miles a year, with up to 20% for lower mileage and up to 20% earned for safe driving
• Up to 15% off comprehensive coverage if you garage your car on base
• MyUSAA Legacy Discount of up to 10% for children of USAA members
• Up to 10% off when you bundle homeowners or renters insurance with auto

Strengths and weaknesses

• Strength: Members surveyed saved an average of $960 a year after switching
• Strength: Two telematics options, one of them mileage-based
• Strength: Military-specific discounts such as on-base garaging and vehicle storage
• Weakness: Only eligible military members, veterans and their families can buy
• Weakness: Bundle discount is up to 10%, lower than several rivals
• Weakness: For some USAA affiliates, SafePilot can raise the renewal premium from October 2026

Key facts

• Eligibility: Military, veterans, eligible family members
• Average switch savings: $960 a year (member survey)
• Telematics: SafePilot up to 30%; SafePilot Miles
• Bundle discount: Up to 10%
• Legacy discount: Up to 10%

Where it ranks

USAA is No. 3 in our Best Car Insurance Companies verdict.