Car Insurance Pay as You Drive USAA Insurance

Pay as You Drive USAA Insurance 

If you're driving less, you could be saving more with Pay as You Drive auto insurance. USAA now offers this usage-based insurance (UBI) option, where your rates are determined by how much and how safely you drive. 

Image by USAA

Is Pay as You Drive Right for You? 

This insurance model rewards low-mileage drivers and those with safe driving habits by offering personalized pricing. The Pay as You Drive app tracks your mileage and driving behavior, helping to determine your insurance rate. If you don’t drive frequently, this usage-based policy might be the ideal choice. Pay as You Drive policies are issued by Noblr, a USAA company. 

If this option doesn’t suit your needs, USAA provides other auto insurance alternatives. For those working remotely and no longer commuting daily, Pay as You Drive could significantly reduce auto insurance costs. Military members deployed overseas who won’t be using their vehicle during that time may also find this policy beneficial in lowering their insurance expenses. 

Even if you regularly bike to work or rely on public transportation but still own a car, this insurance option allows you to save money while minimizing wear and tear on your vehicle. 

How Does Pay as You Drive Work? 

The Pay as You Drive app monitors your mileage and evaluates your driving habits, encouraging safer choices while maximizing savings. Lower mileage and better driving habits contribute to greater discounts on your policy. 

You can save more by driving less, maintaining smooth acceleration and braking, avoiding distractions like texting while driving, selecting safer routes, and minimizing late-night driving. 

Need More Information? 

• If you have any questions or need assistance, a representative is available to help. 
• Call 877-236-6257 for support. 

Pay as You Drive FAQ's: 

For any questions about pay as you drive policies, contact Noblr at 877-BE-NOBLR (877-236-6257). If you already have a policy, you can also reach out through the pay as you drive app.

For USAA membership inquiries, call 800-531-USAA (8722).

As of June 2023, pay as you drive is available in:

Arizona, Colorado, Georgia, Illinois, Indiana, Louisiana, Maryland, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, Texas, Virginia, and Wisconsin.

No, each household can only have one auto policy at a time. Pay as you drive policies are issued by Noblr, a USAA company, ensuring the same USAA quality and service.

Pay as you drive auto policies may not qualify for USAA Umbrella Insurance. To learn more, call 800-531-USAA (8722).

Coverage options vary by state and selection:

Available in all states: Bodily injury, comprehensive, collision, rental car, roadside assistance, property damage, uninsured motorist bodily injury.

Available in select states: Accidental death benefits, medical payments, income loss benefits, loan/lease gap coverage, underinsured motorist coverage, personal injury protection.

Your premium consists of:

• Fixed rate: Remains unchanged during your policy term unless you modify cars, drivers, or coverage.
• Variable rate: Adjusts monthly based on how safely and how much you drive.

The pay as you drive app evaluates:

• Mileage: Less driving saves more.
• Driving smoothness: Harsh braking or acceleration can increase costs.
• Focus: Avoid handling your phone while driving.
• Road choice: In select states, highway driving is preferred over city streets.
• Time of day: Driving between 11 p.m. and 4 a.m. may affect your rate.

The app collects:

• Location
• Driver vs. passenger status
• Mileage
• Driving smoothness
• Phone handling behavior
• Time of day

The Noblr Promise ensures that during your first six-month term, your monthly cost will not exceed a specified maximum, based on your initial information.

Note: This offer is not available in all states.

Steps to set up the app:

• Download the pay as you drive app from the App Store or Google Play.
• Log in using your username and password.
• Enable location and motion permissions for accurate tracking.
• On iOS, enable "Motion & Fitness"; on Android, enable "Physical Activity."
• On Android, enable "Phone" permission to measure Focus (calls are not logged).

Each driver on the policy must download the pay as you drive app and set up their own account using their email address.

Noblr Rewards provide discounts for:

• Purchasing a policy
• Paying the fixed premium upfront
• Renewing your policy after six months