USAA insurance is only for military members, veterans, and their families. Once someone becomes a USAA member, USAA eligibility can be passed down through their spouse and children, even if the family members themselves never join the military
Who Can Qualify for USAA Insurance?
Active, retired, and honorably discharged members of the U.S. military
USAA is so cheap because the company is the largest insurer of the military community, and that volume allows USAA to offer more competitive rates. USAA has more than 6% of the total private-passenger insurance market, despite only offering coverage to service members. A minimum coverage policy from USAA costs an average of $53 per month, and USAA premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and annual mileage discount. Plus, USAA rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.… read full answer
Average Monthly Rates for USAA vs. Top Competitors
Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.
USAA is especially cheap for young drivers in particular. That’s because USAA has special savings opportunities for drivers in this category, such as discounts for students who maintain at least a B average.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so 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.
Yes, USAA offers rental car insurance. If you already have a personal auto policy with USAA that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with USAA, physical damage to the rental vehicle will not be covered.… read full answer
You can talk to a USAA customer service representative at 1 (800) 531-8722 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through USAA to cover your rental car, you can purchase insurance from your rental car company, or see if it is offered by your credit card company.
USAA Rental Car Coverage
Liability Insurance. USAA liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others’ medical expenses and repairs to others’ property resulting from an accident you caused in your rental vehicle.
Collision and Comprehensive Insurance. If you have collision and comprehensive insurance with USAA, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your USAA collision and comprehensive coverage limits may not be high enough if you are renting a car with a much higher value than your personal vehicle and the car gets totaled.
Personal Injury Protection or MedPay. If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.
USAA also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, USAA will pay dependent on the rental vehicle toward the cost of your rental, up to 30 days or $900 per claim. You select specific rental car reimbursement limits when you purchase the add-on. For example, if you choose $25 per day/$600 per loss as your rental reimbursement limits, USAA will pay up to $25 per day, but no more than $600 per claim for your rental. You're covered for a rental when your vehicle repairs are started, or immediately if your vehicle isn't drivable.
Yes, USAA offers roadside assistance starting at between $12 and $20 per year. USAA roadside assistance provides coverage for things like jump-starting, fuel delivery, tire changes, and lockout assistance, up to 4 rescues per year. To get immediate roadside assistance help, USAA members can request service online, through the USAA mobile app, or by calling … read full answer800-531-8555.
What USAA Roadside Assistance Covers
USAA Roadside Assistance vs. Popular Competitors
Average Annual Cost
Between $12 and $20 per year
Between $12 and $36 per year
Up to 50 miles
Up to 5 miles
20 miles or to the nearest qualified repair facility
Tire Change, Jumpstart, Fuel Delivery
USAA roadside assistance generally costs less than memberships with auto clubs like AAA, you will have to carry comprehensive and collision coverage to get roadside assistance, which adds to your overall price. The exact cost of roadside assistance from USAA will depend on where you live, what type of car you drive, and other factors. Since it’s relatively affordable USAA roadside assistance is worth it for drivers who are looking for basic coverage at a low price.
It’s also important to note that coverage is subject to any other details stated in your policy. That could mean service charges for certain roadside events, like being towed over a certain number of miles or to specific garages.
To purchase roadside assistance from USAA, call 800-531-8555 to speak with a customer service representative.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.