What is USAA SafePilot?

It’s a telematics program that rewards you for safe driving with a discount on your USAA Auto Insurance.

It uses a smartphone app and other sensors to automatically log your trips and learn driving habits like phone usage and braking. Then it gives you a driving score so you can see how you did.

How much is the USAA SafePilot discount?

Get up to 10% off your premium today just for enrolling. Then practice good driving habits and earn up to 30% off each time your policy renews. The better you drive, the bigger your discount.

Benefits of our safe driving app

Automatic trip data

The motion and activity sensor in your phone will automatically record if you’re driving or are the passenger. You can edit your trip data if it’s incorrect.

Driving insights and trends

Keep track of your driving habits — like how much you drive, phone usage while driving and harsh braking. You’ll get tips on how to improve.

Crash assistance

If the app detects you may have been in an accident, we’ll check if you're OK and help you with next steps.

Quicker claims process

If you choose to file a claim after an accident, your driving data could help move along the claims process.

Tips to save the most with USAA SafePilot

Reduce phone handling

Secure your phone and limit touching the screen.

Minimize phone calls

If you can, wait until after your drive to make or answer calls. Even hands-free calling can affect your driving.

Limit harsh braking

Slow down earlier and over a longer distance.

Enroll all eligible drivers

You’re eligible for the most savings when you enroll all the drivers on your policy.

How is USAA SafePilot different from the USAA SafePilot Miles™ program?

If you don’t drive often, you can save with USAA SafePilot Miles. You get a monthly rate that varies based on how many miles you drive. If you drive less, you save more.

Everyone on the policy must participate in the program. You could get up to 20% savings for lower mileage and an earned driving discount of up to 20% off your premium for driving safely.‍ ‍^{See note 1}

USAA SafePilot program FAQ

To find out if you're enrolled in USAA SafePilot, go to your auto policy summary. If you're not, you can opt in there. You can also add or remove participants.

You need to have a USAA Auto Insurance policy to participate. If you plan to get a new USAA policy, you can enroll in USAA SafePilot at the same time.

We use your USAA SafePilot driving data to calculate your driving score and potential discount.

We may also use it when you file a claim after an accident.

We take your privacy seriously and won't share your driving data with other companies. For more details, read the USAA Safe Driving Program Terms and Conditions.

No. We use it to calculate your discount.

There are other things not related to your participation in USAA SafePilot that could cause your rate to change.

View all USAA SafePilot FAQ