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Why USAA for car insurance?

You know us for our service and membership perks, but our car insurance may also cost less than you think.

Members Saved $725

A survey showed that our members saved an average of $725 per year when they switched to USAA Auto Insurance.^{See note1}

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Exceptional Service and Claims

We're available 24/7 online for policy updates and claims through usaa.com and our mobile app.

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Customer Satisfaction

USAA Auto Insurance has earned the highest score from Net Promoter® for "most likely to recommend" 13 years in a row.^{See note2}

Find out how much you could save

“The things that are important to my family are important to USAA.”

–Eric, U.S. Air Force Ret.
Proud Member of USAA

You may qualify for discounts and savings.

USAA SafePilot®

If you live in an eligible state, you could save up to 30% with our safe driving program, SafePilot.^{See note3}

Learn more about safepilot

Bundle and Save

Save up to 10% when you bundle auto and property policies.^{See note4}

Military On-Base Discount

Save up to 15% on your auto premium when you garage your car on base.^{See note5}

Annual Mileage and Storage Discounts

Get a discount if you don't drive much per year,^{See note6} and if you put your car in storage.^{See note7}

Automatic Payments Discount

Save up to 3% on your auto premium when you set up automatic payments.^{See note6}

No Fees for Monthly Payment Plan

Choose a payment due date that's convenient for you.^{See note8}

MyUSAA™ Legacy Discount

If your parents have a USAA Auto Insurance policy, you could save up to 10% on your own policy.^{See note9}

Good Student Discount

Get a discount on your car insurance if your teen driver maintains good grades.^{See note6}

Multi-Vehicle Discount

Extend your coverage to two or more vehicles, and you could qualify for a multi-vehicle discount.^{See note6}

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View auto insurance coverages in your state.

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Easy. Convenient. Secure.

The USAA Mobile App is available 24/7. You can:

Get auto ID cards.
Get proof of insurance.
Add vehicles and drivers.
Change your coverage.
Pay your bill.
Request roadside assistance.^{See note10}
File and manage claims.

Download the USAA Mobile App

Get car insurance coverage to meet your needs.

Whether you need basic coverage or more peace of mind, you can customize your policy.

Liability

Liability coverage — This helps pay expenses for injuries or deaths in accidents in which you're found at fault. It also helps pay to repair or replace the other driver's damaged property.

Collision

Collision coverage — This helps pay for damages to your vehicle from an incident related to driving, such as collisions with stationary objects and other vehicles.

Comprehensive

Comprehensive coverage — This helps pay for damages to your vehicle from an incident like hitting an animal, fire, flooding, glass damage and hail.

Uninsured and Underinsured Motorist

Uninsured and underinsured motorist coverage — This may pay for injuries to you and your passengers, as well as property damage, from an accident caused by a driver with little or no insurance.

Personal Injury Protection

Personal injury protection coverage — This helps pay for medical expenses, lost wages and more for you and your passengers, no matter who's at fault for an accident. It also covers you if you get injured as a pedestrian.

MedPay

Medical payments coverage — This helps pay for accident-related medical costs for you and your passengers, regardless of whos at fault. It also covers you if you're injured in a friend's car or as a pedestrian.

View more car insurance coverages

Get deals from top retailers at USAA Perks®.

From car care to cruises and beyond, USAA Perks makes it easier to save. Whether you're looking for discounts on products you want or services you need, make us your first stop.

Explore USAA Perks

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Who can apply?

When you join USAA, you become part of a family who stands by you during every stage of your life. Our family includes:

U.S. military members and veterans.
Pre-Commissioned officers.
Spouses and children of USAA members.

Learn more about USAA membership

To get a quote, you'll need to tell us:

Each driver's license number.
Make, model, year and vehicle identification number (VIN).
About any accidents or tickets on your driving record.

Get a quote for Auto Insurance

Here's how to get more out of your auto insurance.

8 reasons auto insurance rates are rising

Unexplained auto insurance rate increases can be frustrating. Here are possible reasons your premiums can rise.

Read about why rates increase
Protect yourself with proper coverage

Here's what you need to know to find the right coverage for your home, vehicle and personal belongings.

Read about protecting yourself with insurance
How can a safe driving app save you money?

Safe driver discounts are a great way to save money on car insurance. We'll show you how they work and how drivers can qualify with a safe driving app.

Read about safe driver discounts

Find more resources and articles about car insurance

Car Insurance FAQ

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How much is USAA car insurance?

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

What is a car insurance deductible?

What types of vehicles does USAA insure?

USAA Auto Insurance covers passenger vehicles, like cars and pickup trucks. We can also help you get protection through one of our USAA Insurance Agency alliances for the following vehicles:

Motorcycles and ATVs: You can also get insurance for UTVs, mopeds, dirt bikes, golf carts and snowmobiles.
Collector Cars: Get the special coverage you need for classic cars, trucks and motorcycles.
Motorhomes and RVs: From travel trailers to fifth wheels, we can help you get coverage.
Boats and Personal Watercraft: Get coverage for your pontoon boat, fishing boat, motorboat and more.
Aircraft: Personal and business coverage is available.

When it comes to sport and leisure vehicle insurance, we can help keep you doing the things you love. To find a policy that fits your passion, learn more about sport and leisure vehicle insurance.

Does USAA offer car insurance near me?

When should I add a teen driver to my policy?

Get coverage for whatever moves you.

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722). call 800-531-USAA (8722).

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

Note 1 Potential average savings based on countrywide survey of new customers who switched to United Services Automobile Association and self-reported savings from July 1, 2021 to June 30, 2023. Individual savings may vary and isn't guaranteed.

Note 2 2022 NICE Satmetrix Net Promoter Scores. Net Promoter Score, Net Promoter^®, and NPS are trademarks of NICE Systems, Inc., Bain and Company, Inc., and Fred Reichheld. For more information about the annual NICE Satmetrix Net Promoter^® Benchmarks, please visit https://www.satmetrix.com/nps-benchmarks.

Note 3 The USAA SafePilot program is an optional discount program available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in SafePilot to receive discount. This program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA SafePilot® App required.

Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount may vary by state and over the life of the policy.

Review the Program Terms and Conditions for more information.

Note 4 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discount subject to change. Restrictions apply.

Note 5 This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.

Note 6 Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Note 7 Storage Discount is not available in Hawaii, North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.

Note 8 Restrictions may apply to installment payment options.

Note 9 To be eligible for this discount, the former dependent must have established eligibility through a USAA group sponsor's policy, be less than 25 years old, and have no major violations within the last 3 years. Not available in all locations. Restrictions apply.

Note 10 USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Cross Country Motor Club, Inc., Medford, MA 02155, except in AK, CA, HI, OR, WI and WY, where services are provided through Cross Country Motor Club of California, Inc., Thousand Oaks, CA 91360. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

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. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible former dependents of USAA members may join USAA.

Members were compensated for their participation.

The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

Property and casualty insurance provided by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

Coverages subject to the terms and conditions of the policy.

USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

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AUTO INSURANCE QUOTES

Auto coverage and award-winning service made for you.

Why USAA for car insurance?

Members Saved $725

Exceptional Service and Claims

Customer Satisfaction

You may qualify for discounts and savings.

USAA SafePilot®

Bundle and Save

Military On-Base Discount

Annual Mileage and Storage Discounts

Automatic Payments Discount

No Fees for Monthly Payment Plan

MyUSAA™ Legacy Discount

Good Student Discount

Multi-Vehicle Discount

Easy. Convenient. Secure.

Get car insurance coverage to meet your needs.

Liability

Collision

Comprehensive

Uninsured and Underinsured Motorist

Personal Injury Protection

MedPay

Let's get started.

Who can apply?

To get a quote, you'll need to tell us:

Here's how to get more out of your auto insurance.

8 reasons auto insurance rates are rising

Protect yourself with proper coverage

How can a safe driving app save you money?

Car Insurance FAQ

Get service and savings with USAA car insurance.

Get coverage for whatever moves you.

Still have questions about car insurance?