- Our thoughts on USAA
- What does USAA auto insurance cover?
- How does USAA rank?
- How much is USAA auto insurance?
- USAA car insurance costs by state
- USAA car insurance costs for teens
- USAA car insurance costs for adults
- USAA car insurance costs for seniors
- USAA car insurance costs by driver profile
- USAA auto insurance discounts
- What do people ask about USAA?
- Sources & Methodology
Our thoughts on USAA
USAA consistently scores highly on almost every metric, from rates to claims, both in our ranking and with third parties like J.D. Power.
It’s the premier insurance company for military members, with coverage and options focused on that community’s needs. Because of its eligibility requirements, we don’t rank USAA against other companies, but if we did, it would rank at the top.
If you’re eligible, it’s worth considering USAA for your car insurance.
What does USAA auto insurance cover?
USAA offers a full range of car insurance policies to meet most drivers' needs. This includes everything from full coverage car insurance to rideshare endorsements and coverage for your classic car.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Roadside assistance
- Rental reimbursement
- Car replacement assistance
How does USAA rank?
USAA is not ranked against other major carriers due to its eligibility requirements. However, we do gather all of the same data for USAA, including rates, third-party ratings and customer responses on our survey. If ranked, USAA would have placed first for 2025 with a score of 4.76 out of 5 stars.
Here’s a look at how it compares to other major companies.
| Company | AM Best | J.D. Power | NAIC | Average annual premium | Overall score |
|---|---|---|---|---|---|
| USAA | A++ | 711 | 1.18 | 5.00 | 4.76 |
| State Farm | A++ | 695 | 0.79 | 3.04 | 4.35 |
| Geico | A++ | 656 | 0.69 | 3.90 | 4.50 |
How much is USAA auto insurance?
USAA has the cheapest auto insurance rates on average of all of the companies in our survey. At $115 a month, it’s considerably cheaper than several major competitors.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| USAA | $1,380 | $115 |
| State Farm | $1,980 | $165 |
| Geico | $1,764 | $147 |
USAA car insurance costs by state
USAA car insurance costs vary by state. Rates for state-minimum coverage are cheapest in Montana, while a full coverage policy with USAA is cheapest in Connecticut.
See how USAA rates stack up in your state below.
| State | State minimum | Liability only - 50/100/50 | Full coverage - 100/300/100, $500 ded. |
|---|---|---|---|
| Alaska | $251 | $335 | $1,166 |
| Alabama | $316 | $431 | $1,458 |
| Arkansas | $208 | $320 | $1,090 |
| Arizona | $275 | $507 | $1,581 |
| California | $410 | $653 | $1,827 |
| Colorado | $283 | $427 | $1,559 |
| Connecticut | NA | NA | $606 |
| Washington, D.C. | $423 | $506 | $1,230 |
| Delaware | $482 | $702 | $1,463 |
| Georgia | $537 | $698 | $1,562 |
| Hawaii | $246 | $347 | $1,067 |
| Iowa | $166 | $264 | $1,165 |
| Idaho | $170 | $209 | $742 |
| Illinois | $482 | $543 | $1,745 |
| Indiana | $199 | $231 | $783 |
| Kansas | $226 | $252 | $1,151 |
| Kentucky | $533 | $668 | $1,820 |
| Louisiana | $566 | $956 | $1,973 |
| Massachusetts | $368 | $456 | $1,442 |
| Maryland | $362 | $418 | $1,043 |
| Maine | $232 | $237 | $827 |
| Michigan | $320 | $379 | $1,514 |
| Minnesota | $334 | $375 | $1,382 |
| Missouri | $231 | $262 | $1,086 |
| Mississippi | $283 | $422 | $1,320 |
| Montana | $144 | $181 | $919 |
| North Dakota | $163 | $176 | $826 |
| Nebraska | $239 | $277 | $1,328 |
| New Hampshire | $232 | $259 | $852 |
| New Mexico | $198 | $399 | $1,054 |
| Nevada | $482 | $758 | $1,672 |
| New York | $594 | $630 | $1,557 |
| Ohio | $218 | $271 | $994 |
| Oklahoma | $268 | $408 | $1,447 |
| Oregon | $439 | $495 | $1,277 |
| Pennsylvania | $305 | $415 | $1,806 |
| Rhode Island | $352 | $421 | $1,147 |
| South Carolina | $444 | $611 | $1,451 |
| South Dakota | $193 | $229 | $1,780 |
| Tennessee | $266 | $375 | $1,194 |
| Texas | $446 | $602 | $1,812 |
| Utah | $360 | $450 | $1,237 |
| Virginia | $344 | $390 | $1,192 |
| Vermont | $168 | $184 | $803 |
| Washington | $226 | $387 | $853 |
| Wisconsin | $215 | $249 | $984 |
| West Virginia | $270 | $325 | $1,189 |
| Wyoming | $164 | $190 | $1,230 |
USAA car insurance costs for teens
USAA is cheaper than its competitors for teen drivers, with an average rate of $4,385 a year for drivers aged 16 to 19.
Here’s how it compares to some other major insurers.
| Company | Average rate, 16-19 yrs. |
|---|---|
| USAA | $4,385 |
| Geico | $5,049 |
| State Farm | $5,368 |
USAA car insurance costs for adults
USAA is once again cheaper than competitors for adult drivers. At ages 20 to 24 and again at age 40, it has lower rates than other major companies.
| Company | Average rate, age 20-24 | Average rate, 40 yrs |
|---|---|---|
| USAA | $2,647 | $1,763 |
| Geico | $3,179 | $1,984 |
| State Farm | $2,159 | $1,381 |
At age 25, the average cost of a USAA car insurance policy is $1,778 for a male driver and $1,721 for a female. By age 50, rates average $1,309 for men and $1,287 for women. Here’s a look at average annual rates by age at USAA.
| Age | Male | Female |
|---|---|---|
| 25 | $1,778 | $1,721 |
| 30 | $1,518 | $1,488 |
| 35 | $1,444 | $1,419 |
| 40 | $1,393 | $1,369 |
| 45 | $1,353 | $1,330 |
| 50 | $1,309 | $1,287 |
| 55 | $1,284 | $1,264 |
| 60 | $1,277 | $1,255 |
USAA car insurance costs for seniors
Drivers start to see increased rates at age 65, with average costs of $1,302 a year for a male driver and $1,277 for a female. However, rates at age 75 with USAA are still cheaper than at age 25. Take a look at rates for seniors at USAA below.
| Age | Male | Female |
|---|---|---|
| 65 | $1,302 | $1,277 |
| 70 | $1,394 | $1,362 |
| 75 | $1,557 | $1,509 |
USAA car insurance costs by driver profile
A speeding ticket, accident or bad credit will all increase your car insurance rates. However, at USAA rates remain reasonably low in all of these situations. Bad credit will hurt your rates the most at USAA, where insurance averages $2,753 a year for drivers with poor credit.
| Clean record | At-fault accident | Speeding ticket | Poor credit |
|---|---|---|---|
| $1,381 | $2,108 | $1,681 | $2,753 |
USAA auto insurance discounts
USAA’s rates are already low, but discounts can save you more. Some of the best discounts offered by USAA are for marital status, low mileage and loyalty.
| Discount | Discount % | Average rate before | Average rate after | Difference ($) |
|---|---|---|---|---|
| Anti-theft device | 3% | $1,283 | $1,247 | $36 |
| Advance purchase | 5% | $1,129 | $1,075 | $54 |
| Electronic funds transfer | 3% | $1,334 | $1,296 | $38 |
| Lower annual mileage | 5% | $1,347 | $1,282 | $65 |
| Loyalty | 5% | $1,287 | $1,222 | $64 |
| Marital status | 9% | $1,365 | $1,237 | $127 |
| Multi-policy | 4% | $1,321 | $1,270 | $51 |
| Safety devices | 1% | $1,283 | $1,268 | $15 |
What do people ask about USAA?
We’ve gathered some common questions about USAA and answered them for you below.
Who is eligible for USAA?
Per the USAA website, you are eligible if you are:
- A U.S. military member on active duty, reserve or guard
- A veteran who was honorably discharged
- Contracted cadet or midshipman attending a U.S. Service Academy, affiliated academy preparatory school or advanced ROTC program
- Officer or warrant officer commissioning within 24 months
- Spouse of a current member
- Former spouse either divorced or widowed if not remarried, if your spouse joined USAA while you were married
- Child of a member
Why did my USAA car insurance rate go up?
Car insurance rates have been on the rise nationwide due to inflation and extreme weather events. If your rate hasn’t gone up for a specific reason, like a ticket or an accident, it’s likely a general rate increase.
Is USAA a good auto insurance company?
USAA consistently scores very well in our annual survey and with third-party agencies like J.D. Power and AM Best. It has solid financial backing and an excellent reputation for customer service. Those who are eligible will likely find it a very good choice.
Sources & Methodology
Methodology
Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim.. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.
Company overall scores are based on our 2025 Best Car Insurance Companies ranking. Full methodology here.
Sources:
USAA. “USAA Membership.” Accessed March 2025
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