Is USAA a reliable insurance company?

The main USAA NAIC number is 18600. USAA’s NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With USAA’s NAIC number, anyone can learn more about the company’s financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need USAA’s NAIC number to report fraud or file an insurance claim, as well.… read full answer

Although the main USAA NAIC number is 18600, the NAIC has assigned a separate code for each of USAA’s affiliate companies, which are listed below. You can find the number that applies to your particular policy on your USAA insurance card.

USAA NAIC Numbers

USAA’s NAIC number is not the same thing as the three-digit code assigned by each state’s department of motor vehicles. These numbers, issued by state insurance commissioners, are given to the companies that have been authorized to sell insurance policies in a particular state. However, they are not standardized across state lines, like NAIC numbers are.

USAA is rated 3.3 out of 5 by WalletHub’s editors, based on factors such as customer reviews and watchdog-group ratings. For example, USAA has a rating of 2.35 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

USAA Insurance Ratings… read full answer

• WalletHub Editors: 3.3
• A.M. Best: A++
• J.D. Power: 4.5
• NAIC: 2.35
• BBB: A
• Standard & Poor’s: AA+
• Moody’s: Aaa
• Average User Rating on WalletHub: 2.9/5

To learn more, check out WalletHub’s complete USAA car insurance review.

To file a complaint with USAA, customers can call USAA customer service, talk to a company representative through USAA’s online portal, post about the company on social media, or mail a written complaint. Customers can also file a complaint about USAA with the Better Business Bureau (BBB) or their state’s insurance regulator… read full answer.

How to File a Complaint With USAA

1. Call USAA.

Customers can call USAA at 1-210-531-USAA (8722) (or dial #USAA from a cell phone) to speak with a customer service representative and report the details of their complaint.

2. File your complaint online.

Customers can chat with a USAA representative through the company’s online portal.

3. Write USAA a letter.

Customers can mail a written complaint to USAA's headquarters: 9800 Fredericksburg Road, San Antonio, Texas, 78288. They must indicate the specific department the complaint is about in the address, such as car insurance, banking, or fraud.

4. Tweet.

USAA has an official Twitter account, @USAA_help, for customer service outreach.

What You Need to File a Complaint With USAA

• Your name, address, and phone number
• The name of any specific agent/broker
• Your policy number
• Any relevant claim number
• The details about your complaint/concern

Other Places to File a Complaint Against USAA

Better Business Bureau. Customers can file a complaint against USAA with the Better Business Bureau (BBB) through the Bureau’s online claim submission process. The Better Business Bureau forwards complaints to USAA within two days, and customers will be notified of the company’s response or if USAA fails to respond.

WalletHub. Drivers can write a review of USAA on WalletHub if they have a complaint they’d like to bring to the attention of the company as well as other consumers.

The bottom line is that if you're disappointed with any element of USAA's service, you can rest easy knowing that you have several options for filing a complaint.