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Save when you drive.
Save when you don’t.

Consider how much you drive and what your driving habits are to choose which auto insurance program is right for you.

Get a quote for USAA car insurance

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Two programs. Two ways to save.

Whether you’re looking to save by driving safe or for driving less, pick which savings program is for you.

USAA SafePilot®

Good driving habits help you save on your policy.

Get a quote for USAA insurance

USAA SafePilot Miles®

Pay for the miles you drive. Save on the ones you don’t.

Get a quote for USAA car insurance

USAA SafePilot®

Get rewarded based on safe driving. Get up to 15% off your premium just for enrolling. Then you could earn up to 30% off your auto insurance premium at renewal.‍ ‍

  • The better you drive, the bigger the discount you could earn.
  • Rewards safe braking and responsible hands-free phone use.
  • Offers automatic and smart trip logging.
  • Can detect potential accidents and enables 911 calls directly from the app.
  • Note: The USAA SafePilot® 15% enrollment discount is available in all U.S. locations except DC, MS, NY, VT, WA, WI, WV, and WY. Additional restrictions apply for Massachusetts Unregistered policies.
Learn more about SafePilot

USAA SafePilot Miles®

Driving less? Save even more on your USAA Auto Insurance. Lower mileage could mean a lower premium for you.

  • Drive less than 8,000 miles per year and save.
  • Monthly premiums based on how much you drive.
  • Get up to 20% savings for driving less and earn a discount of up to 20% off your premium for driving safely.‍ ‍
  • Quality and trusted USAA service you can count on.
  • NOTE: USAA SafePilot Miles® is currently not available in the following states: CA, MD, MI, NJ, NY, NC, PA.
Learn more about SafePilot Miles

Which is for you?

Compare the benefits of USAA SafePilot and USAA SafePilot Miles.

Compare the benefits

Benefits

Monthly billing based on mileage

USAA SafePilot

x

USAA SafePilot Miles

✓

Benefits

Up to 15% discount for enrolling in the program

USAA SafePilot

✓

USAA SafePilot Miles

x

Benefits

Up to 30% discount at policy renewal based on how safely you drive

USAA SafePilot

✓

USAA SafePilot Miles

x

Benefits

Up to 20% discount when your policy renews based on how safely you drive

USAA SafePilot

x

USAA SafePilot Miles

✓

Benefits

Requires USAA DriveSafe® app download

USAA SafePilot

✓

USAA SafePilot Miles

✓

Benefits

Discount for being a safe driver

USAA SafePilot

✓

USAA SafePilot Miles

✓

Benefits

Crash detection

USAA SafePilot

✓

USAA SafePilot Miles

✓

Benefits

Access the quality of service USAA is known for

USAA SafePilot

✓

USAA SafePilot Miles

✓

Which is for you?

Compare the benefits of USAA SafePilot and USAA SafePilot Miles.

Compare the benefits
Benefits USAA SafePilot
USAA SafePilot Miles

Monthly billing based on mileage

x

✓

Up to 15% discount for enrolling in the program

✓

x

Up to 30% discount at policy renewal based on how safely you drive

✓

x

Up to 20% discount when your policy renews based on how safely you drive

x

✓

Requires USAA DriveSafe® app download

✓

✓

Discount for being a safe driver

✓

✓

Crash detection

✓

✓

Access the quality of service USAA is known for

✓

✓

Compare the benefits of USAA SafePilot and USAA SafePilot Miles.

Compare the benefits
Benefits

Monthly billing based on mileage
USAA SafePilot

x
USAA SafePilot Miles

✓
Benefits

Up to 15% discount for enrolling in the program
USAA SafePilot

✓
USAA SafePilot Miles

x
Benefits

Up to 30% discount at policy renewal based on how safely you drive
USAA SafePilot

✓
USAA SafePilot Miles

x
Benefits

Up to 20% discount when your policy renews based on how safely you drive
USAA SafePilot

x
USAA SafePilot Miles

✓
Benefits

Requires USAA DriveSafe® app download
USAA SafePilot

✓
USAA SafePilot Miles

✓
Benefits

Discount for being a safe driver
USAA SafePilot

✓
USAA SafePilot Miles

✓
Benefits

Crash detection
USAA SafePilot

✓
USAA SafePilot Miles

✓
Benefits

Access the quality of service USAA is known for
USAA SafePilot

✓
USAA SafePilot Miles

✓

Already a USAA member?

Start earning your savings today. Sign into your account and enroll in either USAA SafePilot or USAA SafePilot Miles.

Enroll now in USAA

Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. New or renewal policies underwritten in United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company and Garrison Property and Casualty Insurance Company may see savings off premium at renewal and receive initial participation discount when enrolled in either USAA SafePilot® or USAA SafePilot Miles® program. Must be enrolled in a safe driving program to receive discounts and/or mileage based rates. Earned driving discount is offered at renewal and is based on driving behavior of all rated drivers on the policy. USAA SafePilot initial participation discount is applicable to your initial enrollment, not to exceed 365 days, and expires at first renewal in which the driving discount is applied. Discount will vary by program selected and may vary by state. Discounts subject to change over life of the policy.

    New or renewal policies underwritten by any other USAA affiliate not named in paragraph above and which are enrolled in one of the safe driving programs, USAA SafePilot® or USAA SafePilot Miles®, on or after October 2026 may see savings off renewal premium or may be subject to an increase at renewal based on a personalized safe driving adjustment that may be earned by each participant. Participation is voluntary. USAA SafePilot initial participation discount is only applicable to initial enrollment not to exceed 365 days or until a personalized safe driving adjustment is earned. USAA SafePilot Miles may provide savings when driving less. Policies remaining consistently enrolled term to term in either program may receive a discount at new business and renewal. When a member is unenrolled from either program after earning a qualified driving score, a prior performance factor may be applied and may result in an increase or decrease to subsequent policy terms for that member, regardless of enrollment. Terms, savings, increases and discounts may vary by location.

    USAA SafePilot and USAA SafePilot Miles are optional programs that are available with an active USAA auto insurance policy. USAA SafePilot Miles is best for those comfortable with a monthly bill that varies and for those who drive less than 8,000 miles per year. Both programs only available in select states. Program availability and state restrictions apply. Smartphone, data plan, download of the USAA DriveSafe® app and multifactor authentication required. Programs are subject to change.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. Auto Insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, USAA County Mutual Insurance Company, USAA Falcon Property & Casualty Insurance Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

    Learn about USAA's use of Artificial Intelligence.

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