Yes, USAA does offer high-risk auto insurance, and its coverage can be among the best and most affordable options for those who qualify. For example, USAA will insure individuals who require an SR-22 or FR-44 form, which is confirmation of insurance that states often require of high-risk drivers who have been convicted of DUI or other severe moving violations.
Plus, USAA is especially friendly to young drivers, who are often considered high-risk because of their inexperience. In addition to relatively low premiums, USAA offers discounts for good students and drivers under 21 years old who complete a basic driver training program. You can find more examples of the types of high-risk drivers USAA has been known to insure below.
USAA Insures High-Risk Drivers Who:
- Need to file an SR-22 or FR-44 with their state
- Drive a high-risk vehicle with fewer safety features
- Are teenagers or seniors
- Lack experience
- Have a poor driving record
- Have had a lapse in coverage
- Live in a densely populated area
USAA insurance is only available to veterans and their families, so it won’t be an option for most drivers. But high-risk drivers who are eligible will find that USAA’s rates are highly competitive. They take several factors into account when determining your risk as a driver including age, driving history and where you live. So even if there’s something in your profile that might flag you as being high-risk, it likely won’t stop you from getting coverage altogether. The more high-risk you are, however, the higher your premium likely will be.
You can get a free USAA auto insurance quote online or by calling 1-800-531-8722.
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