USAA car insurance costs an average of $80 per month, according to WalletHub data. The cost of USAA car insurance varies due to several factors, including a driver%s record, location, and age, but USAA insurance rates tend to be among the cheapest available. In WalletHub%s Cheap Car Insurance Study, which compared 18 major car insurance companies, USAA ranked second, only behind Geico.
USAA is cheap because the company is the largest insurer of the military community, and that volume allows USAA to offer more competitive rates. USAA captured 6% of the total private-passenger insurance market in 2019, despite only offering coverage to service members and their families. USAA ranked 2nd overall in WalletHub’s cheap car insurance study of more than 40 major insurers, partly because it offers discounts for owning a new car, being a low-mileage driver, and more. Plus, USAA rewards customer loyalty with discounts for insuring more than one car or bundling multiple policies, such as home and auto. However, USAA only offers coverage to the U.S. military community.… read full answer
USAA is especially cheap for responsible drivers in particular. That’s because USAA has special savings opportunities for drivers in this category, such as discounts for safe drivers, good students, and people who take a driver training course. But even though USAA is among the cheapest car insurance companies, the only way to confirm you’ve found the lowest price is to compare quotes from multiple companies. Your final premium is based on a variety of factors, like your driving record, insurance history, the type of car you drive, and more, and all insurance companies can’t offer the same rate.
To get a personalized quote from USAA, you can speak to a representative by calling 1 (800) 531-8722.
Individuals eligible for USAA membership include active, retired, and honorably separated members of the U.S. military; cadets and midshipmen at U.S. service academies; and their eligible family members. Children (including step-children), spouses, widows/widowers, and former spouses who have not remarried are all considered eligible. For children to be eligible, the parent must join USAA while living.
Once someone becomes a USAA member, eligibility then extends to their family members (even if those family members aren’t in the military). For instance, if the child of someone who was a USAA member also joins USAA, that person’s spouse and kids are then eligible for membership as well. It can continue passing down that way. Eligibility does not extend to siblings or parents.
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