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USAA Auto Insurance: Comprehensive Coverage, Savings, and Benefits for Military Families

A Comprehensive Guide to USAA Auto Insurance 

Introduction 

Having the right auto insurance can provide financial protection and peace of mind. USAA offers customizable coverage options, discounts, and award-winning service to meet various driving needs. Whether you’re a seasoned driver or a new one, understanding what USAA Auto Insurance provides can help you make informed decisions. 



Auto Insurance USAA



Customizable Auto Coverage 

USAA offers flexible auto insurance policies to suit different needs. Whether you want basic protection or enhanced coverage, you can tailor your policy to include essential services that provide security in various driving situations. 

Telematics Driving Programs 

USAA provides two optional driving programs that reward safe driving and lower mileage:

  • USAA SafePilot®: Drivers can receive an initial 10% discount upon enrollment and up to 30% savings at renewal based on safe driving habits.
  • Usage-Based Program: This program offers up to 20% savings for lower mileage and an additional discount of up to 20% for safe driving. 

Both programs require participation through a mobile app to track driving behavior. 

Commercial Auto Insurance 


For individuals who use their vehicles for business or own fleet vehicles, USAA provides commercial auto insurance through its Insurance Agency, offering coverage that meets business needs. 

Auto coverage and award-winning service 

Ways to Save on Auto Insurance

  • Bundle and Save: Save up to 10% by bundling auto and property insurance.
  • Multi-Vehicle Discount: Automatically save when insuring two or more vehicles under one policy.
  • Good Student Discount: Students maintaining good grades can receive a discount.
  • Storage Discount: Policyholders who store their vehicles can benefit from reduced premiums.
  • Military On-Base Discount: Those who garage their car on a military base can save up to 15%. 

Why Choose USAA Auto Insurance?

  • Significant Savings: On average, members save $725 per year when switching to USAA Auto Insurance.
  • Convenient Claims Processing: The USAA Mobile App simplifies filing and managing claims.
  • 24/7 Policy Management: The app allows users to access auto ID cards, adjust coverage, pay bills, and request roadside assistance. 

Coverage Options to Meet Your Needs

  • Collision Coverage: Covers vehicle damage from accidents.
  • Comprehensive Coverage: Protects against damage from non-collision incidents like fires, floods, and animal strikes.
  • Liability Coverage: Helps cover expenses if you injure another driver or damage their property.
  • Uninsured/Underinsured Motorist Coverage: Protects against drivers who lack sufficient insurance. 

For those stationed abroad or planning to relocate, USAA also offers overseas auto insurance. 

USAA Auto Insurance is available to:

  • Active-duty military personnel
  • National Guard and Reservists
  • Veterans with honorable service
  • ROTC cadets and midshipmen
  • Officer and warrant officer candidates
  • Spouses and children of USAA members
  • Service academy appointees 

How to Get a Car Insurance Quote

  1. Provide Driver Information: Include driver’s license numbers for all drivers.
  2. Describe Your Vehicles: List the make, model, year, and VIN of each vehicle.
  3. Share Your Driving History: Report any accidents or traffic violations.
  4. Receive an Estimate: Adjust coverage options to tailor your policy. 

Conclusion 

USAA Auto Insurance offers competitive coverage options, significant savings, and reliable service tailored to the needs of military members and their families. With customizable policies, telematics discounts, and 24/7 management through the mobile app, USAA provides a comprehensive auto insurance solution. Whether you need basic coverage or extensive protection, USAA ensures that you drive with confidence and financial security. 

Car Insurance FAQ Accordion

Car Insurance FAQ

How much is USAA car insurance?

There are many factors involved in determining auto insurance rates. How many miles you drive a year, your driving record, and the coverage you choose play a part in how much you'll pay.

What is a car insurance deductible?

A car insurance deductible is the amount you pay out of pocket for vehicle repairs before your insurance policy kicks in.

Learn how a collision deductible works. If you want protection for damage that isn't caused by a collision, consider comprehensive coverage. It has its own comprehensive deductible.

Often, you can lower the amount you pay in your monthly or yearly premium by raising your deductible. It's important to note that if you raise your deductible, you should set aside enough money to cover that cost in your emergency fund.

Does USAA's auto policy cover electric vehicles?

Yes. USAA Auto Insurance covers electric vehicles.

When should I add a teen driver to my policy?

You should add your teen as soon as they get their learner's permit.

Learn about how we help you and your teen driver.

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