Program terms and conditions 

Download USAA Safe Driving Program Terms and Conditions for August 10, 2026 to present (PDF)

(North Carolina residents only: see additional term in section 7.9)

1. Acceptance of Terms and Participation: These terms and conditions ("Terms") constitute a legal agreement between You and USAA relating to your participation in either the USAA SafePilot or USAA SafePilot Miles program that you selected. They apply to all of the USAA underwriting companies that provide one of these optional programs to you. “You” or “your” in these Terms means all insured drivers, including minors and any other operators listed on your current auto policy who you may have chosen to enroll. “USAA” or “we” means United Services Automobile Association and its affiliates. These Terms are in addition to and do not replace or modify, any other contract or agreement that applies in connection with any USAA products and/or services.

1.1 Acceptance Through Download and Participation: You are required to accept this agreement if you download and use the USAA DriveSafe™ app. You will receive a link via text to your cell phone number to set up the app. Once you download the app, you must set up multifactor authentication (“MFA”) to use the app. Your participation and continued use of the app is expressly conditioned on your acceptance of all Terms that apply to your selected program. By either downloading and continuing to use the app, or by clicking “next” in the app during set up, you signify to USAA that you understand and agree to the Terms. If you do not agree with any part of these Terms, do not use the app or click “next” during set up. Delete the app and contact USAA to unenroll. By continuing use of the app through the policy term, you and any minors whose participation and use you have authorized, agree to be legally bound by the Terms and agree that data will continue to be collected and used.

1.2 Continued Acceptance and Participation: Continued use and participation of the USAA DriveSafe app through the initial and each renewal term is expressly conditioned on and signifies your continued acceptance of the Terms in place at the time of each renewal. You should continue to review the Terms for any updates either through your app or at https://www.usaa.com/insurance/safedriving/program-terms-and-conditions. If you do not agree with updates to the Terms, take immediate steps to unenroll from the program by calling to make a change to your policy choice. You should also delete the app to avoid any additional data from being collected. If unenrollment is from USAA SafePilot Miles, advise all others in the household to delete the app to stop data collection.

1.3 Age of Majority Acceptance: If you entered into either program as a minor through the acceptance of any agreements and Terms by a parent or guardian who named you on their policy, your parent or guardian originally accepted Terms on your behalf and permitted you to enroll and continue to participate in one of the programs. At age of majority, we will request that you read and accept the Terms on your own if you choose to continue to participate. Through either clicking “next” when you read the Terms or through your continued download and use of the app after reaching age of majority, you signify acceptance. If you do not agree to the Terms, you should not continue to use the app. You should delete the USAA DriveSafe app from your phone and advise us of your unenrollment. If you unenroll from USAA SafePilot, policy rates will be affected, but the remainder of your household may continue in the program. If you are unenrolling from USAA SafePilot Miles, all rated operators in your household will be unenrolled from the program, but we will continue to provide uninterrupted policy coverage to everyone through a traditional auto policy. Policy rates will be affected by any change in programs. We will notify the named insured on the policy of the need to have you review and approve these Terms, or of any changes to the policy caused by your non-acceptance.

1.4 Requirements for Initial and Continued Use: To use or continue to use the app, you must have a compatible phone device with a data plan that permits the running of a version of the USAA DriveSafe app that includes multifactor authentication (“MFA”). You must enroll in MFA to receive access or continued access to the app. This MFA requirement may also require you to update your app. If you do not update to an MFA version of the app, you may no longer be able to access the app. You must be on the most current iOS or Android operating system or one of the prior two versions. If you attempt to use the app on an outdated operating system, the app may not function properly. This means your trips may not be captured, data may not be sent, and you may not receive correct discounts and/or premium applicable to your program. If you are participating in the USAA SafePilot Miles program while using an older operating system than as required, this may result in offline rates being charged if we cannot detect your trips.

If you continue in a program without updating to an MFA version of the app, or you continue to use an older operating system than what we require, we may unenroll you from the program. If you are unenrolled, your policy will remain active, but you will no longer be participating in either safe driving program.

1.5 Program Disclosure: Each program within the USAA DriveSafe mobile application is an optional and limited offering. Availability in your state of any of the programs is dependent on your state’s requirements for each program and the filings in your state being approved. The accuracy and performance on the USAA DriveSafe app is not guaranteed, and specific features may vary by state. Data collection is also dependent on your maintaining a data program and keeping your phone updated with permissions on. Each program is subject to being discontinued or modified at any time.

2. Data Collection; Data Use; Text Messages; Data Storage

2.1 Data Collected: USAA DriveSafe collects personal data about you from your phone as soon as you download the App and begin to use it. Data collected includes contact information and identifiers, date and time, and driving information relating to you and your precise GPS location, trip duration, time of day, phone usage, and phone handling such as being swiped or unlocked, or launching other applications. This data is collected through sensors in your phone such as the barometer, magnetometer, accelerometer, GPS and gyroscope, if available. Much of this data is available to you in the USAA DriveSafe app.

2.2 Use of Data: Data collected through USAA DriveSafe is used to power the safe driving program once you enroll, download the app and begin to use it. Data is used for any business purpose consistent with continuing to offer existing or new programs and to service the programs. Data use includes determining driving scores, appropriate policy pricing, and determining mileage driven. When you participate, you agree and consent to the transmittal, download, retrieval, access, storage, and use of the data by USAA and its third-party service providers which include Cambridge Mobile Telematics (CMT). You also agree that data may be used for any business purposes consistent with the administration of current and future insurance programs and the terms of your auto policy.

Business purposes include:

(Applicable to any policyholders underwritten by USAA Falcon Property and Casualty Insurance Company):

1) the creation of a personalized safe driving adjustment that may result in an increase or decrease to premium at renewal. The data may also be used to determine your future policy premium increases or decreases regardless of enrollment. More information about the personalized safe driving adjustment can be found in the Program Notice that is provided with the policy.

(Applicable to all policyholders underwritten by USAA and its affiliates that includes USAA Falcon Property and Casualty Insurance):

2) understanding your adherence to the Terms; 3) working with third party service providers to assist us with research, testing, development, and analysis so that we may continue to provide new or updated programs and offerings to you; 4) the detection and prevention of fraud; 5) the detection and analysis of losses and collisions; 6) development or implementation of new rating factors and scoring models; 7) determining discounts, surcharges, premiums, rating and underwriting of policies; 8) investigating, adjusting and resolving claims; 9) providing data to third parties as legally required for discovery in lawsuits, claims investigations and when subpoenaed; and 10) for regulatory investigations and inquiries.

2.3 Text Messages: For each enrollee to the safe driving program on the policy to which they are named, USAA or its affiliates, agents, vendors, or service providers (collectively "USAA"), will send text messages ("messages") to the cell phone number provided to USAA through the use of an automated dialing system. BY AGREEING TO THESE TERMS, YOU AGREE THAT USAA MAY SEND TEXT MESSAGES TO THE CELL PHONE NUMBER PROVIDED THROUGH THE USE OF AN AUTOMATED DIALING SYSTEM. Message, data rates and international message charges may apply. Message frequency will vary. Messages may include information about your data no longer being collected, required updates for continued operation of the program, and notifications to anyone reaching age of majority to review and accept Terms for continued participation in one of the programs per Section I of these Terms. You and others no longer wanting to receive texts may opt out by replying Stop or communicating your request to revoke consent to USAA verbally or in writing. If you revoke consent to receive texts, we will communicate through other means that we determine are available to us. All rules of the programs referenced in these Terms and the program notice that include but are not limited to data collection, rating and premium determination, and heartbeat/offline rates in USAA SafePilot Miles will continue to apply.

2.4 Storage of Data: Data that is collected will be securely stored, maintained and retained by USAA and its service providers that include CMT as required by each state’s regulatory bodies and in accordance with all laws, regulations and standards applicable to property and casualty insurance products and lines of business.

3. Enrollment, Eligibility and Device

3.1 Enrollment: To enroll yourself and others in either the USAA SafePilot or USAA SafePilot Miles program and to begin to use the USAA DriveSafe app, you must purchase and be the named insured or spouse listed on a USAA auto policy. You must also have the authority to provide consent for all rated drivers, including minors and operators who you ask us to insure, as well as all vehicles you place on your policy. Your consent also includes your authority to consent to an initial text message being sent to each phone number that you have provided to us. The Terms apply to all insureds on your policy who choose to participate and agree. All minors are subject to the same Terms to which you agree and continue to agree from the time of enrollment. No insured who is listed or added to your policy is ever required to participate. However, participation in USAA SafePilot Miles will require all insureds on your policy to participate, if you choose that program. The programs are voluntary.

3.2 Eligibility: USAA reserves the right to restrict access to or use of its programs as necessary to satisfy legal or regulatory requirements that either presently exist or may exist in the future.

3.3 Device Capabilities and Updates: To participate in either program, you are required to download, install and use the USAA DriveSafe app. The app is available in the Apple App store and Google Play store. All participants, including the minor children you enrolled and authorized to participate, must also download and install the app. You must have a data program. You will be required from time to time to install software updates. Certain features of USAA DriveSafe may require specific hardware elements, such as wireless internet access capability, Bluetooth antenna, or others. You will be prompted at set up to keep certain features of the phone always active. When you do not follow prompts, the app will not operate as designed and determination of your monthly premium may be affected.

4. Termination of Access: USAA may, at any time, suspend your access to USAA DriveSafe app, or any components thereof, at its discretion. You may stop using and uninstall the app at any time. You should uninstall USAA DriveSafe if you transfer your device to someone else. USAA may, without prior notice or liability, discontinue or change any aspect of the programs. This includes restricting or removing access to specific features or data which may previously have been accessible.

5. Information Use and Privacy: Personal information received by USAA will be treated in accordance with the USAA Privacy Promise and Online Practices that can be found at www.usaa.com/privacy. To protect your personal information from unauthorized access and use, we use security measures that comply with applicable state and federal privacy laws. These measures include computer safeguards and physical security at our offices.

6. Results, Disclaimer and Support

6.1 Program Results: Results are available to you solely through USAA DriveSafe. You may dispute and adjust the assignment of any trip that you have taken during the most recent 14 days within the app, or through an insurance professional at 800-531-USAA (8722) for any trips beyond 14 days. You have the ability to select whether you were the driver, a passenger, or if it was not a trip because you used another mode of transport such as public transit.

Instructions are on https://www.usaa.com/insurance/safedriving/faq.

6.2 Disclaimer and Hold Harmless: USAA DriveSafe is intended to be used solely in hands free mode and was built so you never have to hold, touch or view your phone while driving. Use of a mobile or handheld device while driving is at your own risk and subject to applicable local, state and federal laws. You agree to hold USAA and our service providers harmless from your use of USAA DriveSafe, including but not limited to your failure to abide by relevant laws and regulations while driving. USAA MAKES NO REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING USAA DRIVESAFE AND THE USAA SAFEPILOT AND USAA SAFEPILOT MILES PROGRAMS. USAA DOES NOT REPRESENT OR WARRANT THAT USAA DRIVESAFE AND/OR THE PROGRAMS WILL RESULT IN SAFER DRIVING OR LOWER PREMIUM NOR DOES IT REPRESENT OR WARRANT THAT USAA DRIVESAFE AND/OR THE PROGRAMS WILL PREVENT UNSAFE DRIVING, COLLISIONS OR OTHER HARMFUL EVENTS.

6.3 Support: For support related to USAA DriveSafe or the programs, please call 800-531-8722 for assistance.

7. Other Terms

7.1 Third-party Fees: USAA DriveSafe transmits data via your wireless carrier and requires a data plan. USAA is not responsible or liable for any charges associated with your choice to use USAA DriveSafe. You are responsible for any fees charged by your cellular phone provider or any other third party in connection with your use of USAA DriveSafe.

7.2 Severability: If any provision of the Terms is held to be illegal, invalid, or unenforceable by a competent court, then that provision may no longer apply, but all remaining provisions of the Terms shall continue to remain in full force and effect.

7.3 Warranty: THE PROGRAMS ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, USAA DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, QUALITY, AND NONINFRINGEMENT. USAA EXPRESSLY DISCLAIMS ANY WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICE, INCLUDING WITH RESPECT TO THE ACCURACY OR FUNCTIONALITY OF THE SERVICE, THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY INFORMATION AVAILABLE THROUGH THE SERVICE.

7.4 Trademarks: USAA trademarks and related imagery used in connection with any USAA safe driving program are the property of USAA. Other trademarks and related imagery encountered are the property of their respective owners.

7.5 Jurisdiction and Venue: If any claim or dispute under this agreement is not subject to arbitration, then exclusive jurisdiction and venue shall be with a court of competent jurisdiction in Bexar County, Texas. You consent to the jurisdiction of such courts and agree to accept service of process issued by such.

7.6 Limits on Use of Application: Services provided through the programs may contain proprietary content that is protected by intellectual property laws. You agree to the Services only as permitted. You agree not to engage in any of the following prohibited actions:

• Reproduce any portion of the Services in any form or by any means.
• Modify, rent, lease, loan, sell, distribute, reverse engineer, or create derivative works based on the Services, in any manner.
• Exploit the Services in any unauthorized way whatsoever, including but not limited to, by trespass or burdening network capacity.
• Use the Services to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party.
• Use or assist others to use the Service or equipment for any unlawful, unauthorized, abusive or fraudulent purpose.

7.7 Termination: USAA and its licensors reserve the right to change, suspend, remove, or disable access to any Program at any time without notice. In no event will USAA be liable for the removal of or disabling of access to any such Program. USAA may also impose limits on the use of or access to a Program, without notice. You may terminate your participation in a program by discontinuing use of USAA DriveSafe and notifying USAA.

7.8 Miscellaneous: The Terms represent the complete agreement concerning the driving program between you and USAA and the most current posted version of the Terms supersedes all prior or contemporaneous agreements and representations between you and USAA regarding the subject matter of the Terms; (b) the Terms, as amended from time to time, will remain in force as long as your automobile policy continues to be in effect through any renewal, transfer, rewrite, reinstatement, or amendment of the automobile policy, or, if you request to discontinue participation, until 30 days after participation is discontinued.

7.9 Additional Information:

References to USAA and its affiliates include: United Services Automobile Association (USAA); USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, USAA Falcon Property & Casualty Insurance Company.

Use of the term "member" or "membership" does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Membership eligibility and product restrictions apply and are subject to change. To be eligible for auto and property insurance, separated military personnel must have received a general discharge under Honorable Conditions.

Eligible former dependents of USAA members may purchase auto or property insurance if the member obtained USAA auto or property insurance. 

USAA means United Services Automobile Association and its insurance, banking and other companies. Bank Member FDIC.

No Department of Defense or government agency endorsement.

North Carolina residents only: A safe driving discount will not be applied to policies rated at the North Carolina Rate Bureau (NCRB), or North Carolina Reinsurance Facility (NCRF) rate that do not carry physical damage coverage. When applied to NCRB or NCRF rated policies, discount only applies to physical damage coverage. You may still have use of the USAA DriveSafe App and may be shown a projected discount that will NOT apply to your premium, if the policy is renewed without the required coverages.

The following changes have been made to the Terms and Conditions:

- 5.2 Text Messages has been updated.

1. Acceptance of Terms and Participation: These terms and conditions ("Terms") constitute a legal agreement between You and USAA relating to your participation in one of the USAA SafePilot and USAA SafePilot Miles programs. The use of “You” or “your” in these Terms means all insured drivers, including minors and any other operators listed on your current auto policy who you have chosen to enroll in an optional program. “USAA” or “we” means United Services Automobile Association and its affiliates. The Terms apply in addition to, and are not intended to replace, any other contract or agreement that apply in connection with any USAA products and/or services.

1.1 Acceptance Through Download and Participation: You may choose to participate in either a discount program or a usage-based mileage program. Your participation and continued use of the mobile application is expressly conditioned on your acceptance of these Terms that apply to both programs. When you click on the acceptance of the Terms within the USAA DriveSafe™, that click will signify that you have signed and therefore agreed to all of the Terms. If you do not agree with any part of the Terms after your acceptance, you should not continue to participate in the program. If you choose to continue to participate through the policy term, you and any minors whose participation and use you are authorizing, agree to be legally bound by the Terms. Terms may be updated from time to time and will always be available for your review and download. If you do not agree with any updates to the Terms, you should take immediate steps to unenroll from the program by calling or going online to make a change to your policy choice. In conjunction with unenrollment, you and other insureds who have participated in either program should delete the app from your mobile device and discontinue use.

1.2 Continued Acceptance and Participation: Continued use and participation through each renewal term is expressly conditioned on your continued acceptance of the Terms in place at that time. You may continue to review the Terms and all updates that are available for your review within your app or at https://www.usaa.com/insurance/safedriving/program-terms-and-conditions. Continued use and participation in either program by you and any end user on your policy serves as confirmation of acceptance of all Terms. If any updates to Terms are not acceptable, you should take immediate steps to unenroll from the program by calling or going online to make a change to your policy choice. In conjunction with unenrollment, you should delete the app from your device and discontinue use.

1.3 Age of Majority Acceptance: If you entered into either program as a minor through the acceptance of any agreements and Terms by a parent or guardian who named you on their policy, your parent or guardian also accepted Terms on your behalf and permitted you to enroll and participate in one of the programs. Once you have reached the age of majority, you are required to read the Terms and determine if you are accepting them and continuing to participate in a program. If you choose to accept them, you may keep using the mobile app, keep it downloaded on your phone, keep all permissions enabled as required for use and continue to send and allow us to use data as specified in these Terms. If you do not agree to any of the Terms, while this will not affect your policy coverage, you may not continue to use the mobile app or participate. You should delete the USAA DriveSafe app from your phone and advise us of your unenrollment. If you unenroll from USAA SafePilot Miles, everyone else named on a policy with you will be required to unenroll from the program, but we will continue to provide uninterrupted coverage to everyone through a traditional auto policy. Policy rates will be affected by any change in programs. We will notify the named insured on the policy of the need to have you review and approve these Terms, or of any changes to the policy caused by your non acceptance.  

1.4 PROGRAM NOTICE: EACH PROGRAM WITHIN THE USAA DRIVESAFE MOBILE APPLICATION IS AN OPTIONAL LIMITED OFFERING. AVAILABILITY IN YOUR STATE OF ANY OF THE PROGRAMS IS DEPENDENT ON YOUR STATE’S REQUIREMENTS FOR EACH PROGRAM AND THE FILINGS IN YOUR STATE BEING APPROVED. THE ACCURACY AND PERFORMANCE ON THE USAA DRIVESAFE MOBILE APPLICATION IS NOT GUARANTEED AND SPECIFIC FEATURES MAY VARY BY STATE. EACH PROGRAM IS SUBJECT TO BEING DISCONTINUED AT ANY TIME.

2. Enrollment, Eligibility and Device

2.1 Enrollment: To enroll in either the USAA SafePilot or USAA SafePilot Miles program and to begin to use the USAA DriveSafe mobile app, you must purchase and be a named insured or spouse on a USAA auto policy and, as applicable, have the authority to express consent for all rated drivers, including minors and operators who you ask us to insure as well as all vehicles you place on your policy. The Terms apply to all insureds on your policy who choose to participate. With your authorization and consent, all minors are subject to the same Terms to which you agree and continue to agree to from the time of enrollment. No insured who is listed or added to your policy is ever required to participate. However, participation in USAA SafePilot Miles is required of all insureds on your policy, if you choose that program. The programs are voluntary.

2.2 Eligibility: USAA reserves the right to restrict access to or use of its programs as necessary to satisfy legal or regulatory requirements that either presently exist or may exist in the future.

2.3 Device Capabilities and Updates: To participate in either program, you are required to download, install and use the USAA DriveSafe app. The mobile app is available on the Apple App store and Google Play store.  All participants, including the minor children you enrolled and authorized to participate, must also download and install the app. You will be required from time to time to install software updates. Certain features of USAA DriveSafe may require specific hardware elements, such as wireless internet access capability, Bluetooth antenna, or other. You will be prompted at set up to keep certain features of the phone always active. When you do not follow prompts, the app won’t operate as designed and determination of your discount or monthly premium may be affected.

3. Termination of Access: USAA may, at any time, suspend your access to USAA DriveSafe mobile app, or any components thereof, at its discretion. You may uninstall and stop using the app at any time. You should uninstall USAA DriveSafe if you transfer your device to someone else. USAA may, without prior notice or liability, discontinue or change any aspect of the programs. This includes restricting or removing access to specific features or data which may previously have been accessible.

4. Information Use and Privacy: Personal information received by USAA will be treated in accordance with the USAA Privacy Promise and Online Practices that can be found at www.usaa.com/privacy. To protect your personal information from unauthorized access and use, we use security measures that comply with applicable state and federal privacy laws. These measures include computer safeguards and physical security at our offices.

5. Feature Specific Information

5.1 Data Collected: USAA DriveSafe collects date, time, location and mileage, as well as driving behavior information relating to your behaviors while driving including, but not limited to, speed, acceleration, braking, swerving, cornering, distance driven, location, handheld calling, hands-free calling, phone handling and other driving related data ("Data").

5.2 Text Messages: For each enrollee to the safe driving program on the policy to which they are named, USAA or its affiliates, agents, vendors, or service providers (collectively "USAA"), will send text messages ("messages") to the cell phone number provided to USAA through the use of an automated dialing system. BY AGREEING TO THESE TERMS, YOU AGREE THAT USAA MAY SEND TEXT MESSAGES TO THE CELL PHONE NUMBER PROVIDED THROUGH THE USE OF AN AUTOMATED DIALING SYSTEM. Message, data rates and international message charges may apply. Message frequency will vary. Messages may include information when your data is no longer being collected, required updates for continued operation of the program, and notifications to anyone reaching age of majority to review and accept Terms for continued participation in one of the programs per Section I of these Terms. You and others no longer wanting to receive texts may opt out by replying stop or communicating your request to revoke consent to USAA verbally or in writing. If you revoke consent to receive texts, we will communicate through other means that we determine are available to us. All rules of the program referenced in these Terms and the program notices that include but are not limited to data collection, discount determination, and heartbeat and offline rates in USAA SafePilot Miles will continue to apply.

5.3 Use of Data: Data collected through USAA DriveSafe will be used for any business purpose consistent with continuing to offer and service the programs that include determining a discount within the discount program, determining your mileage and premium within the usage-based mileage program, determining driving scores and applying discounts or pricing specific to each program. By participating in a program, you are agreeing and consenting to the transmittal, download, retrieval, access, storage, and use of the data by USAA and its third-party service providers who include Cambridge Mobile Telematics (CMT). You also agree that data may be used for any business purposes consistent with the administration of the current and any future programs and the Terms of your auto policy. Business purposes include 1) understanding adherence to the Terms; 2) working with third party service providers to assist us with research, development, analysis and other insurance related services; 3) detecting and preventing fraud; 4) detecting and analyzing collisions; 5) developing or implementing new rating factor and scoring models; 6) determining discounts, premiums and underwriting of policies; 7) investigating, adjusting and resolving claims; and 8) providing data for use or as required for discovery in lawsuits, in claims investigations, as required when subpoenaed and for regulatory investigations and inquiries.

5.4 Storage of Data: Data that is collected will be securely stored, maintained and retained by USAA and its service providers that include CMT as required by each state’s regulatory bodies and in accordance with all laws, regulations and standards applicable to property and casualty insurance products and lines of business.

6. Results, Disclaimer and Support

6.1 Program Results: Results are available to you solely through USAA DriveSafe. You may dispute and adjust the assignment of any trip that you have taken during the most recent 14 days within the app, or through an insurance professional at 800-531-USAA (8722) for any trips beyond 30 days. You have the ability to select whether you were the driver, a passenger, or if it was not a trip because you used another mode of transport such as public transit. You can find instructions on https://www.usaa.com/insurance/safedriving/faq.

6.2 Disclaimer and Hold Harmless: USAA DriveSafe is intended to be used solely in hands free mode and was built so you never are required to hold, touch or view your phone while driving. Use of a mobile or handheld device while driving is at your own risk and subject to applicable local, state and federal laws. You agree to hold USAA and our service providers harmless for your use of USAA DriveSafe, including but not limited to your failure to abide by relevant laws and regulations while driving. USAA MAKES NO REPRESENTATIONS EXPRESSED OR IMPLIED, REGARDING USAA DRIVESAFE AND THE USAA SAFEPILOT AND USAA SAFEPILOT MILES PROGRAMS. USAA DOES NOT REPRESENT OR WARRANT THAT USAA DRIVESAFE AND/OR THE PROGRAMS WILL RESULT IN SAFER DRIVING OR LOWER PREMIUM NOR DOES IT REPRESENT OR WARRANT THAT USAA DRIVESAFE AND/OR THE PROGRAMS WILL PREVENT UNSAFE DRIVING, COLLISIONS OR OTHER HARMFUL EVENTS.

6.3 Support: For support related to USAA DriveSafe or the programs, please call 800-531-8722 for assistance.

7. Other Terms


7.1 Third-party Fees: USAA DriveSafe transmits data via your wireless carrier and requires a data plan. USAA is not responsible or liable for any charges associated with your choice to use USAA DriveSafe. You are responsible for any fees charged by your telecommunications provider or any other third party in connection with your use of USAA DriveSafe.

7.2 Severability: If any provision of the Terms is held to be illegal, invalid, or unenforceable by a competent court, then the provision shall be enforced to the maximum extent permitted by law, and the remaining provisions of the Terms shall continue to remain in full force and effect.

7.3 Warranty: THE PROGRAMS ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, USAA DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, QUALITY, AND NONINFRINGEMENT. USAA EXPRESSLY DISCLAIMS ANY WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICE, INCLUDING WITH RESPECT TO THE ACCURACY OR FUNCTIONALITY OF THE SERVICE, THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY INFORMATION AVAILABLE THROUGH THE SERVICE.

7.4 Trademarks: USAA trademarks and related imagery used in connection with any USAA safe driving program are the property of USAA. Other trademarks and related imagery encountered are the property of their respective owners.

7.5 Jurisdiction and Venue: If any claim or dispute under this agreement is not subject to arbitration, then exclusive jurisdiction and venue shall be with a court of competent jurisdiction in Bexar County, Texas. You consent to the jurisdiction of such courts and agree to accept service of process issued by such.

7.6 Limits on Use of Application: Services provided through the programs may contain proprietary content that is protected by intellectual property laws. You agree to the Services only as permitted. You agree not to engage in any of the following prohibited actions:

• Reproduce any portion of the Services in any form or by any means.
• Modify, rent, lease, loan, sell, distribute, reverse engineer, or create derivative works based on the Services, in any manner.
• Exploit the Services in any unauthorized way whatsoever, including but not limited to, by trespass or burdening network capacity.
• Use the Services to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party.
• Use or assist others to use the Service or equipment for any unlawful, unauthorized, abusive or fraudulent purpose.

7.7 Termination: USAA and its licensors reserve the right to change, suspend, remove, or disable access to any Program at any time without notice. In no event will USAA be liable for the removal of or disabling of access to any such Program. USAA may also impose limits on the use of or access to a Program, without notice. You may terminate your participation in a program by discontinuing use of USAA DriveSafe and notifying USAA.

7.8 Miscellaneous: Subject to section 1.1 through 1.4 (a) The Terms represent the complete agreement concerning the driving program between you and USAA and the most current posted version of the Terms supersedes all prior or contemporaneous agreements and representations between you and USAA regarding the subject matter of the Terms. (b) The Terms, as amended from time to time, will remain in force as long as your automobile policy continues to be in effect through any renewal, transfer, rewrite, reinstatement, or amendment of the automobile policy, or, if you request to discontinue participation, until 30 days after participation is discontinued.

7.9 Additional Information: Use of the term "member" or "membership" does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Membership eligibility and product restrictions apply and are subject to change. To be eligible for auto and property insurance, separated military personnel must have received a general discharge under Honorable Conditions.

Eligible former dependents of USAA members may purchase auto or property insurance if the member obtained USAA auto or property insurance.

USAA means United Services Automobile Association and its insurance, banking and other companies. Bank Member FDIC.

No Department of Defense or government agency endorsement.

1. Acceptance of Terms and Participation: These terms and conditions ("Terms") constitute a legal agreement between You and USAA relating to your participation in one of the USAA SafePilot programs. The use of “You” or “your” in these Terms mean all insured drivers including minors and any other operators listed on your current auto policy who you have chosen to enroll in an optional program. “USAA” or “we” means United Services Automobile Association and its affiliates. The Terms apply in addition to, and are not intended to replace, any other contract or agreement that apply in connection with any USAA products and/or services.

1.1 Acceptance Through Download and Participation: You may choose to participate in either a discount program or a usage-based mileage program. Your participation and continued use of the mobile application is expressly conditioned on your acceptance of these Terms that apply to both programs. If you do not agree with any part of the Terms, you should not continue to participate in the program. If you choose to continue to participate, you and any minors whose participation and use you are authorizing, agree to be legally bound by the Terms. Your and their continued use of the mobile application throughout the policy term signify your continued agreement with the Terms. Terms may be updated from time to time and will always be available for your review and downloading. If you do not agree with any updates to the Terms, you should take immediate steps to unenroll from the program by calling or going online to make a change to your policy choice. In conjunction with unenrollment, you and other insureds who have participated in one of the programs should delete the app from your mobile device and discontinue use.

1.2 Continued Acceptance and Participation: Continued use and participation through each renewal term is expressly conditioned on your continued acceptance of the Terms in place at that time. You may continue to review the Terms and all updates. All versions of the programs’ Terms are available for your review within your app or at https://www.usaa.com/insurance/safedriving/program-terms-and-conditions. Continued use and participation in either program by you and any end user on your policy serves as confirmation of  acceptance of all Terms. If any updates to Terms are not acceptable, you should take immediate steps to unenroll from the program by calling or going online to make a change to your policy choice. In conjunction with unenrollment, you should delete the app from your device and discontinue use.

1.3 Age of Majority Acceptance: If you entered into a program as a minor through the acceptance of any agreements and Terms by a parent or guardian who named you on their policy, your parent or guardian also accepted Terms on your behalf and permitted you to enroll and participate in a SafePilot program. Once you have reached the age of majority, you are required to read the Terms and determine if you are accepting them and continuing to participate in the program. If you choose to accept them, you may keep using the mobile app, keep it downloaded on your phone, keep all permissions enabled as required for use and continue to send and allow us to use data as specified in these Terms. If you do not agree to any of the Terms, while this will not affect your policy coverage, you may not continue to use the mobile app or participate in the program. You should delete the app from your phone and advise us of your unenrollment. If you unenroll from the usage-based mileage program everyone else named on a policy with you will be required to unenroll from the program, but we will continue to provide uninterrupted coverage to everyone through a traditional auto policy. Policy rates will be affected by any change in programs. We will notify the named insured on the policy of the need to have you review and approve these Terms, or of any changes to the policy caused by your non acceptance.

1.4 PROGRAM NOTICE: EACH PROGRAM WITHIN USAA SAFEPILOT IS AN OPTIONAL LIMITED OFFERING. AVAILABILITY IN YOUR STATE OF ANY OF THE PROGRAMS IS DEPENDENT ON YOUR STATE’S REQUIREMENTS FOR EACH PROGRAM AND THE FILINGS IN YOUR STATE. THE ACCURACY AND PERFORMANCE ON THE USAA SAFEPILOT MOBILE APPLICATION IS NOT GUARANTEED AND SPECIFIC FEATURES MAY VARY BY STATE. EACH PROGRAM IS SUBJECT TO BEING DISCONTINUED AT ANY TIME.

2. Enrollment, Eligibility and Device

2.1 Enrollment: To enroll in either the discount or usage based mileage program and to begin to use the USAA SafePilot mobile app, you must purchase and be a named insured or spouse on a USAA auto policy and, as applicable, have the authority to express consent for all rated drivers including minors and operators who you ask us to insure as well as all vehicles you place on your policy. The Terms apply to all insureds on your policy who choose to participate. With your authorization and consent, all minors are subject to the same Terms to which you agree and continue to agree to from the time of enrollment. No insured who is listed or added to your policy is ever required to participate. However, participation in the usage-based insurance program is required of all insureds on your policy, if you choose that program. The programs are voluntary.

2.2 Eligibility: USAA reserves the right to restrict access to or use of its programs as necessary to satisfy legal or regulatory requirements that either presently exist or may exist in the future.

2.3 Device Capabilities and Updates: To participate in either program, you are required to download and install the USAA SafePilot app. The mobile app is available on the Apple App store and Google Play store.  All participants including the minor children you enrolled and authorized to participate must also download and install the app. You will be required from time to time to install software updates. Certain features of USAA SafePilot may require specific hardware elements, such as wireless internet access capability, Bluetooth antenna, or other. You will be prompted at set up to keep certain features of the phone always active. When you do not follow prompts, the app won’t operate as designed and determination of your discount or monthly premium may be affected.

3. Termination of Access: USAA may, at any time, suspend your access to USAA SafePilot mobile app, or any components thereof, at its discretion. You may uninstall and stop using the app at any time. You should uninstall USAA SafePilot if you transfer your device to someone else. USAA may, without prior notice or liability, discontinue or change any aspect of the programs. This includes restricting or removing access to specific features or data which may previously have been accessible.

4. Information Use and Privacy: Personal information received by USAA will be treated in accordance with the USAA Privacy Promise and Online  Practices that can be found at www.usaa.com/privacy. To protect your personal information from unauthorized access and use, we use security measures that comply with applicable state and federal privacy laws. These measures include computer safeguards and physical security at our offices.

5. Feature Specific Information

5.1 Data Collected: USAA SafePilot collects date, time, location, mileage as well as driving behavior information relating to your behaviors while driving including but not limited to speed, acceleration, braking, swerving, cornering, distance driven, location, handheld calling, hands-free calling, phone handling and other driving related data ("Data").

5.2 Text Messages: For new enrollees to the safe driving program on your policy, USAA or its affiliates, agents, vendors, or service providers (collectively "USAA"), will send SMS messages ("messages") to those individuals whose phone number you have provided to USAA. WHEN YOU INSTRUCT USAA TO SEND MESSAGES RELATED TO A USAA SAFEPILOT  PROGRAM TO YOU OR TO OTHERS INCLUDING MINORS, YOU REPRESENT AND WARRANT THAT YOU AND EACH PERSON YOU HAVE INSTRUCTED US TO MESSAGE HAVE CONSENTED TO RECEIVE SUCH MESSAGES TO INCLUDE ANY RELATED ADMINISTRATIVE TEXT MESSAGES FROM USAA. "Administrative text messages" are periodic transactional messages from USAA, that include a “welcome message" or instructions on how to stop receiving messages. You or others no longer wishing to receive such messages can opt-out of receiving further messages from USAA at any time by following the instructions provided. If you no longer wish to receive such messages, you agree that you will opt-out through the instructions provided. If you have reason to believe that others on whose behalf you have relayed consent to receive such messages no longer wish to receive such messages, you agree you will instruct them to opt-out following the instructions provided. You represent and warrant to USAA that each person you have instructed us to message understands that each person is responsible for the cost of any message charges assessed by their mobile carrier, including any international message charges that may apply when messages are transmitted from U.S.-based numbers.

5.3 Use of Data: Data collected through USAA SafePilot will be used for any business purpose consistent with continuing to offer and service the programs that include determining a discount within the discount program, determining your mileage and premium within the usage-based mileage program, determining driving scores and applying discounts or pricing specific to each program. By participating in a program, you are agreeing and consenting to the transmittal, download, retrieval, access, storage, and use of the data by USAA and its third-party service providers. You also agree that data may be used for any business purposes consistent with the program and the Terms of your auto policy. Business purposes include 1) understanding adherence to the Terms; 2) working with third party service providers to assist us with research, development, analysis and other insurance related services; 3) detecting and preventing fraud; 4) detecting and analyzing collisions; 5) developing or implementing new rating factor and scoring models; 6) determining discounts, premiums and underwriting of policies; 7) investigating, adjusting and resolving claims; and 8) providing data for use or as required for discovery in lawsuits, in claims investigations, as required when subpoenaed and for regulatory investigations and inquiries.

6. Results, Disclaimer and Support

6.1 Program Results: Results are available to you solely through USAA SafePilot. You may dispute and adjust the assignment of any trip that you have taken during the most recent 14 days within the app, or through an insurance professional at 800-531-USAA (8722) for any trips beyond 30 days. You have the ability to select whether you were the driver, a passenger, or if it was not a trip because you used another mode of transport such as public transit. You can find instructions on https://www.usaa.com/insurance/safedriving/faq.

6.2 Disclaimer and Hold Harmless: USAA SafePilot is intended to be used solely in hands free mode and was built so you never are required to hold, touch or view your phone while driving. Use of a mobile or handheld device while driving is at your own risk and subject to applicable local, state and federal laws. You agree to hold USAA and our service providers harmless for your use of USAA SafePilot, including but not limited to your failure to abide by relevant laws and regulations while driving. USAA MAKES NO REPRESENTATIONS EXPRESSED OR IMPLIED, REGARDING USAA SAFEPILOT AND THE DISCOUNT OR USAGE BASED DRIVING PROGRAMS. USAA DOES NOT REPRESENT OR WARRANT THAT USAA SAFEPILOT AND/OR THE PROGRAMS WILL RESULT IN SAFER DRIVING OR LOWER PREMIUM NOR DOES IT REPRESENT OR WARRANT THAT USAA SAFEPILOT AND/OR THE PROGRAMS WILL PREVENT UNSAFE DRIVING, COLLISIONS OR OTHER HARMFUL EVENTS.

6.3 Support: For support related to USAA SafePilot or the programs, please call 800-531-8722 for assistance.

7. Other Terms

7.1 Third-party Fees: USAA SafePilot transmits data via your wireless carrier or an accessible Wi-Fi network. USAA is not responsible or liable for any charges associated with your choice to use USAA SafePilot. You are responsible for any fees charged by your telecommunications provider or any other third party in connection with your use of USAA SafePilot.

7.2 Severability: If any provision of the Terms is held to be illegal, invalid, or unenforceable by a competent court, then the provision shall be enforced to the maximum extent permitted by law, and the remaining provisions of the Terms shall continue to remain in full force and effect.

7.3 Warranty: THE PROGRAMS ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, USAA DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, QUALITY, AND NONINFRINGEMENT. USAA EXPRESSLY DISCLAIMS ANY WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICE, INCLUDING WITH RESPECT TO THE ACCURACY OR FUNCTIONALITY OF THE SERVICE, THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY INFORMATION AVAILABLE THROUGH THE SERVICE.

7.4 Trademarks: USAA trademarks and related imagery used in connection with the USAA safe driving program are the property of USAA. Other trademarks and related imagery encountered are the property of their respective owners.

7.5 Jurisdiction and Venue: If any claim or dispute under this agreement is not subject to arbitration, then exclusive jurisdiction and venue shall be with a court of competent jurisdiction in Bexar County, Texas. You consent to the jurisdiction of such courts and agree to accept service of process issued by such.

7.6 Limits on Use of Application: Services provided through the programs may contain proprietary content that is protected by intellectual property laws. You agree to the Services only as permitted. You agree not to engage in any of the following prohibited actions:

• Reproduce any portion of the Services in any form or by any means.
• Modify, rent, lease, loan, sell, distribute, reverse engineer, or create derivative works based on the Services, in any manner.
• Exploit the Services in any unauthorized way whatsoever, including but not limited to, by trespass or burdening network capacity.
• Use the Services to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party.
• Use or assist others to use the Service or equipment for any unlawful, unauthorized, abusive or fraudulent purpose.

7.7 Termination: USAA and its licensors reserve the right to change, suspend, remove, or disable access to any Program at any time without notice. In no event will USAA be liable for the removal of or disabling of access to any such Program. USAA may also impose limits on the use of or access to a Program, without notice. You may terminate your participation in a program by discontinuing use of USAA SafePilot and notifying USAA.

7.8 Miscellaneous: Subject to section 1.1 through 1.4 above: (a) The Terms represent the complete agreement concerning the driving program between you and USAA and the most current posted version of the Terms supersedes all prior or contemporaneous agreements and representations between you and USAA regarding the subject matter of the Terms. (b) The Terms, as amended from time to time, will remain in force as long as your automobile policy continues to be in effect through any renewal, transfer, rewrite, reinstatement, or amendment of the automobile policy, or, if you request to discontinue participation, until 30 days after participation is discontinued.

7.9 Additional Information: Use of the term "member" or "membership" does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Membership eligibility and product restrictions apply and are subject to change. To be eligible for auto and property insurance, separated military personnel must have received a general discharge under Honorable Conditions.

Eligible former dependents of USAA members may purchase auto or property insurance if the member obtained USAA auto or property insurance.

USAA means United Services Automobile Association and its insurance, banking and other companies. Bank Member FDIC.

No Department of Defense or government agency endorsement.

Download USAA Safe Driving Program Terms and Conditions for January 31, 2022 to August 11, 2024 (PDF)

1. Description of Program

1.1 Thank you for trusting us with your auto insurance needs. Safety and prevention are core to USAA's mission. One of the purposes of developing the USAA safe driving program is to assist USAA members in understanding how to become safer drivers. The USAA SafePilot® mobile application ("USAA SafePilot") was created as part of the program to instruct, incentivize and inspire safer driving. The USAA safe driving program also serves to potentially save USAA members money by measuring driving behavior and providing feedback to improve driving patterns through USAA SafePilot.

1.2 These terms and conditions ("Terms") constitute a legal agreement between you and any other named driver on your auto policy enrolled in the safe driving program (collectively referred to as "you") and United Services Automobile Association and its affiliates (collectively, "USAA" or "we") for your participation in the USAA safe driving program. The Terms apply in addition to, and is not intended to replace, any other agreement that may apply in connection with your USAA products and/or services.1.3 USAA SAFE DRIVING PROGRAM NOTICE: AT PRESENT, THE PROGRAM IS A LIMITED OFFERING. AVAILABILITY, ACCURACY, AND PERFORMANCE OF USAA SAFEPILOT, AND SPECIFIC FEATURES MAY VARY.

1.4 USAA SafePilot is available on the Apple App store and Google Play store.

2. Acceptance of Terms

2.1 In consideration of the offered discounts set forth in Section 5.5 below, and other valuable consideration, you agree to be legally bound by the Terms as a condition of your initial and continued use of USAA SafePilot.

2.2 The Terms may, as the USAA SafePilot Program evolves or at USAA's discretion, be revised from time to time with or without notice. Your continued use of USAA SafePilot, and that of any end user on your policy, following such change will reflect your acceptance of the revised Terms. You are therefore asked to check this page periodically for your own agreement. If any change to the Terms is not acceptable to you, you can terminate the use of the USAA SafePilot App immediately by discontinuing use and deletion of the app from your device.

3. Eligibility and Use

3.1 To participate in the USAA safe driving program and to use USAA SafePilot, you must be a member of USAA and a named insured or spouse on the USAA auto policy and, as applicable, have the authority to express consent for all rated drivers, vehicles and operators on that policy. The Terms apply to all drivers on your policy, whenever added. No specific operator listed on the auto policy is required to participate.

3.2 Eligibility: USAA reserves the right to restrict access to the USAA safe driving program and USAA SafePilot as necessary to satisfy legal or regulatory requirements which either presently, or may in the future, exist.

3.3 Device Capabilities and Updates: To participate in the USAA SafePilot Program, you are required to download and install USAA SafePilot. From time to time, you may be required to install software updates. Certain features of USAA SafePilot may require specific hardware elements, such as wireless internet access capability, Bluetooth antenna, or other.

3.4 Termination of Access: USAA may, at any time, suspend your access to the USAA SafePilot, or any components thereof, at its discretion. You may uninstall USAA SafePilot at any time. You should uninstall USAA SafePilot if you transfer your device to someone else. USAA may, without prior notice or liability, discontinue or change any aspect of USAA SafePilot. This includes restricting or removing access to specific features or data which may previously have been accessible.

4. Information Use and Privacy

4.1 Privacy and Security: Personal information received by USAA will be treated in accordance with the USAA Privacy Promise and Online Information Practices which can be found at www.usaa.com/privacy. To protect your personal information from unauthorized access and use, we use security measures that comply with applicable state and federal privacy laws. These measures include computer safeguards and secured files and buildings.

5. Feature Specific Information

5.1 Data Collected: USAA SafePilot collects date and time as well as driving behavior information relating to your vehicle including but not limited to speed, acceleration, braking, swerving, cornering, distance driven, location, handheld calling, hands-free calling, phone handling and other driving related data ("Data").

5.2 Text Messages: For new enrollees to the USAA safe driving program on your policy, USAA or its affiliates, agents, vendors, or service providers (collectively "USAA"), will send SMS messages ("messages") to those individuals whose phone number you have provided to USAA. WHEN YOU INSTRUCT USAA TO SEND MESSAGES RELATED TO THE USAA SAFE DRIVING PROGRAM TO YOU OR TO OTHERS, YOU REPRESENT AND WARRANT THAT YOU AND EACH PERSON YOU HAVE INSTRUCTED US TO MESSAGE CONSENT TO RECEIVE SUCH MESSAGES AND ANY OTHER RELATED ADMINISTRATIVE TEXT MESSAGES FROM USAA. "Administrative text messages" are periodic transactional messages from USAA, including but not limited to a "welcome message" or instructions on how to stop receiving messages. You or others no longer wishing to receive such messages can opt-out of receiving further messages from USAA at any time by following the instructions provided. If you no longer wish to receive such messages, you agree that you will opt-out through the instructions provided. If you have reason to believe that others on whose behalf you have relayed consent to receive such messages no longer wish to receive such messages, you agree you will instruct them to opt-out following the instructions provided. You also represent and warrant to USAA that each person you have instructed us to message understands that each person is responsible for the cost of any message charges assessed by their mobile carrier, including any international message charges that may apply when messages are transmitted from US-based numbers.

5.3 Use of Data: Data collected through USAA SafePilot will be used to power the USAA safe driving program, including determining your driving score. By participating in the USAA safe driving program, you consent to the transmittal, download, retrieval, access, storage, and use of the data by USAA and our third party service providers. Data may be used for any purposes consistent with the terms of your USAA auto insurance policy. Data may also be use for other business purposes, including: 1) understanding adherence to the Terms; 2) working with third party service providers to assist us with research, analysis or other services; 3) detecting and preventing fraud; 4) detecting and analyzing collisions; and 5) developing and implementing new rating factor and scoring models. Nothing contained herein prevents USAA from using the data in determining future availability of insurance or premium amount. Finally, for the avoidance of doubt, data may be used and/or discoverable in a lawsuit or a claims investigation.

5.4 Program Results: Program results are available to you solely through USAA SafePilot. You are able to dispute and adjust the assignment of any trip that you have taken during the most recent 30 days within the app, or through an insurance professional at 800-531-USAA (8722) for any trips beyond 30 days. You have the ability to select whether you were the driver, a passenger, or if it was not a trip if you were using another mode of transport such as public transit. You can find instructions on https://www.usaa.com/insurance/safedriving/faq. USAA SafePilot may help promote safer driving; however, USAA MAKES NO REPRESENTATIONS, EXPRESSED OR IMPLIED, REGARDING USAA SAFEPILOT AND THE SAFE DRIVING PROGRAM. USAA DOES NOT REPRESENT OR WARRANT THAT USAA SAFEPILOT AND/OR THE SAFE DRIVING PROGRAM WILL RESULT IN SAFER DRIVING; NOR DOES IT REPRESENT OR WARRANT THAT USAA SAFEPILOT AND/OR THE PROGRAM WILL PREVENT UNSAFE DRIVING, COLLISIONS OR OTHER HARMFUL EVENTS. USAA PROVIDES USAA SAFEPILOT AND THE SAFE DRIVING PROGRAM "AS-IS" AND "AS-AVAILABLE" AND IS NOT RESPONSIBLE FOR INCOMPLETE OR INACCURATE DATA. DATA COLLECTED, INCLUDING RAW DATA, WILL NOT BE MADE AVAILABLE EXCEPT AS OTHERWISE PROVIDED HEREIN OR AS REQUIRED BY LAW.

5.5 Program Discount

Participation Discount

Upon enrollment, a participation discount will be applied to the auto policy in participating locations. If all drivers in the household do not choose to participate, the participation discount will be reduced and applied based on a proportion of the number of participants. For example, if the maximum available participation discount is 10% and a household of two drivers only elects to have one driver participate, the participation discount will be reduced to 5%.

Earned Driving Discount

Following enrollment, download and use of USAA SafePilot, USAA SafePilot will begin capturing the driving behavior. During the first 14 days, participants will be provided with feedback on their driving behavior. However, the driving behavior of the first 14 days will not be used in the determination of the driving score. After 14 days, the driving behavior will be used in the determination of the driving score. Participants will continue to receive feedback on their driving behavior.

At the end of the participants' initial policy term, the driving score will be converted to an earned driving discount to be applied to the auto policy in participating locations for each participant that has driven at least at minimum 325 miles and 16 hours each term. USAA SafePilot will continue to collect data during the next term for the purpose of scoring the driving behavior to determine if an earned driving discount can be applied for subsequent renewals.

If USAA SafePilot did not receive enough driving behavior information during the policy term, the participation discount will apply while USAA SafePilot collects driving behavior to establish a driving score. The participation discount can be applied up to 365 days if there is not enough data to determine a driving score at each renewal.

5.6 Disclaimer

USAA SafePilot is intended to be used solely in hands free mode. Use of a mobile or handheld device is at your own risk and subject to applicable local, state and federal laws. You agree to hold USAA and our service providers harmless for your use of USAA SafePilot, including but not limited to your failure to abide by relevant laws and regulations while driving.

6. Support

6.1 Support: For support related to USAA SafePilot or the USAA safe driving program, please call 1-800-531-8722 for assistance.

7. Other Terms

7.1 Third-party Fees: USAA SafePilot transmits data via your wireless carrier or an accessible Wi-Fi network. USAA is not responsible or liable for any charges associated with your use of USAA SafePilot. You are responsible for any fees charged by your telecommunications provider or any other third party in connection with your use of USAA SafePilot.

7.2 Severability: If any provision of the Terms is held to be illegal, invalid, or unenforceable by a competent court, then the provision shall be performed and enforced to the maximum extent permitted by law, and the remaining provisions of the Terms shall continue to remain in full force and effect.

7.3 Warranty: THE USAA SAFE DRIVING PROGRAM IS PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, USAA DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, QUALITY, AND NONINFRINGEMENT. USAA EXPRESSLY DISCLAIMS ANY WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICE, INCLUDING WITH RESPECT TO THE ACCURACY OR FUNCTIONALITY OF THE SERVICE, THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY INFORMATION AVAILABLE THROUGH THE SERVICE.

7.4 Trademarks: USAA trademarks and related imagery used in connection with the USAA safe driving program are the property of USAA. Other trademarks and related imagery encountered are the property of their respective owners.

7.5 Jurisdiction and Venue: If any claim or dispute under this agreement is not subject to arbitration, then exclusive jurisdiction and venue shall be with a court of competent jurisdiction in Bexar County, Texas. You consent to the jurisdiction of such courts and agree to accept service of process issued by such courts.

7.6 Limits on Use of Application: Services provided through the safe driving program ("Services") may contain proprietary content that is protected by intellectual property laws. You agree to the Services only as permitted. You agree not to engage in any of the following prohibited actions:

• Reproduce any portion of the Services in any form or by any means.
• Modify, rent, lease, loan, sell, distribute, reverse engineer, or create derivative works based on the Services, in any manner.
• Exploit the Services in any unauthorized way whatsoever, including but not limited to, by trespass or burdening network capacity.
• Use the Services to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party.
• Use or assist others to use the Service or equipment for any unlawful, unauthorized, abusive or fraudulent purpose.

7.7 Termination: USAA and its licensors reserve the right to change, suspend, remove, or disable access to any Program at any time without notice. In no event will USAA be liable for the removal of or disabling of access to any such Program. USAA may also impose limits on the use of or access to the Program, without notice. You may terminate your participation in the program by discontinuing use of USAA SafePilot and notifying USAA.

7.8 Miscellaneous: Subject to section 1.2 above: (a) The Terms represent the complete agreement concerning the safe driving program between you and USAA and supersedes all prior or contemporaneous agreements and representations between you and USAA regarding the subject matter the Terms. (b) The Terms, as amended from time to time, will remain in force as long as your automobile policy continues to be in effect through any renewal, transfer, reinstatement, or amendment of the automobile policy, or, if you request to discontinue participation, until 30 days after participation is discontinued.

7.9 Additional Information: Use of the term "member" or "membership" does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Membership eligibility and product restrictions apply and are subject to change. To be eligible for auto and property insurance, separated military personnel must have received a discharge type of Honorable.

Eligible former dependents of USAA members may purchase auto or property insurance if the member obtained USAA auto or property insurance.

USAA means United Services Automobile Association and its insurance, banking and other companies. Banks Member FDIC.

No Department of Defense or government agency endorsement.

Download USAA Safe Driving Program Terms and Conditions for January 31,2022 to August 11, 2024 (PDF)

Download USAA Safe Driving Program Terms and Conditions for April 1, 2021 to January 30, 2022 (PDF)

1. Description of Program

1.1 Thank you for trusting us with your auto insurance needs. Safety and prevention are core to USAA's mission. One of the purposes of developing the USAA safe driving program is to assist USAA members in understanding how to become safer drivers. The USAA SafePilot® mobile application ("USAA SafePilot") was created as part of the program to instruct, incentivize and inspire safer driving. The USAA safe driving program also serves to potentially save USAA members money by measuring driving behavior and providing feedback to improve driving patterns through USAA SafePilot.

1.2 These terms and conditions ("Terms") constitute a legal agreement between you and any other named driver on your auto policy enrolled in the safe driving program (collectively referred to as "you") and United Services Automobile Association and its affiliates (collectively, "USAA" or "we") for your participation in the USAA safe driving program. The Terms apply in addition to, and is not intended to replace, any other agreement that may apply in connection with your USAA products and/or services.

1.3 USAA SAFE DRIVING PROGRAM NOTICE: AT PRESENT, THE PROGRAM IS A LIMITED OFFERING. AVAILABILITY, ACCURACY, AND PERFORMANCE OF USAA SAFEPILOT, AND SPECIFIC FEATURES MAY VARY.

1.4 USAA SafePilot is available on the Apple App store and Google Play store.

2. Acceptance of Terms

2.1 In consideration of the offered discounts set forth in Section 5.5 below, and other valuable consideration, you agree to be legally bound by the Terms as a condition of your initial and continued use of USAA SafePilot.

2.2 The Terms may, as the USAA SafePilot Program evolves or at USAA's discretion, be revised from time to time with or without notice. Your continued use of USAA SafePilot, and that of any end user on your policy, following such change will reflect your acceptance of the revised Terms. You are therefore asked to check this page periodically for your own agreement. If any change to the Terms is not acceptable to you, you can terminate the use of the USAA SafePilot immediately by discontinuing use and deletion of the app from your device.

3. Eligibility and Use

3.1 To participate in the USAA safe driver program and to use USAA SafePilot, you must be a member of USAA and a named insured or spouse on the USAA auto policy and, as applicable, have the authority to express consent for all rated drivers, vehicles and operators on that policy. The Terms apply to all drivers on your policy, whenever added.

3.2 Eligibility: USAA reserves the right to restrict access to the USAA safe driving program and USAA SafePilot as necessary to satisfy legal or regulatory requirements which either presently, or may in the future, exist.

3.3 Device Capabilities and Updates: To participate in the USAA SafePilot Program, you are required to download and install USAA SafePilot. From time to time, you may be required to install software updates. Certain features of USAA SafePilot may require specific hardware elements, such as wireless internet access capability, Bluetooth antenna, or other.

3.4 Termination of Access: USAA may, at any time, suspend your access to the USAA SafePilot, or any components thereof, at its discretion. You may uninstall USAA SafePilot at any time. You should uninstall USAA SafePilot if you transfer your device to someone else. USAA may, without prior notice or liability, discontinue or change any aspect of USAA SafePilot. This includes restricting or removing access to specific features or data which may previously have been accessible.

4. Information Use and Privacy

4.1 Privacy and Security: Personal information received by USAA will be treated in accordance with the USAA Privacy Promise and Online Information Practices which can be found at www.usaa.com/privacy. To protect your personal information from unauthorized access and use, we use security measures that comply with applicable state and federal privacy laws. These measures include computer safeguards and secured files and buildings.

5. Feature Specific Information

5.1 Data Collected: USAA SafePilot collects date and time as well as driving behavior information relating to your vehicle including but not limited to speed, acceleration, braking, swerving, cornering, distance driven, location and other driving related data ("Data").

5.2 Text Messages. For new enrollees to the USAA safe driving program on your policy, USAA or its affiliates, agents, vendors, or service providers (collectively "USAA"), will send SMS messages ("messages") to those individuals whose phone number you have provided to USAA. WHEN YOU INSTRUCT USAA TO SEND MESSAGES RELATED TO THE USAA SAFE DRIVING PROGRAM TO YOU OR TO OTHERS, YOU REPRESENT AND WARRANT THAT YOU AND EACH PERSON YOU HAVE INSTRUCTED US TO MESSAGE CONSENT TO RECEIVE SUCH MESSAGES AND ANY OTHER RELATED ADMINISTRATIVE TEXT MESSAGES FROM USAA. "Administrative text messages" are periodic transactional messages from USAA, including but not limited to a "welcome message" or instructions on how to stop receiving messages. You or others no longer wishing to receive such messages can opt-out of receiving further messages from USAA at any time by following the instructions provided. If you no longer wish to receive such messages, you agree that you will opt-out through the instructions provided. If you have reason to believe that others on whose behalf you have relayed consent to receive such messages no longer wish to receive such messages, you agree you will instruct them to opt-out following the instructions provided. You also represent and warrant to USAA that each person you have instructed us to message understands that each person is responsible for the cost of any message charges assessed by their mobile carrier, including any international message charges that may apply when messages are transmitted from US-based numbers.

5.3 Use of Data: Data collected through USAA SafePilot will be used to power the USAA safe driving program, including determining your driving score. By participating in the USAA safe driving program, you consent to the transmittal, download, retrieval, access, storage, and use of the data by USAA and our third party service providers. Data may be used for any purposes consistent with the terms of your USAA auto insurance policy. Data may also be used for other business purposes, including: 1) understanding adherence to the Terms; 2) working with third party service providers to assist us with research, analysis or other services; 3) detecting and preventing fraud; 4) detecting and analyzing collisions; and 5) developing and implementing new rating factor and scoring models. Nothing contained herein prevents USAA from using the data in determining future availability of insurance or premium amount. Finally, for the avoidance of doubt, data may be used and/or discoverable in a lawsuit or a claims investigation.

5.4 Program Results. Program results are available to you solely through USAA SafePilot. USAA SafePilot may help promote safer driving; however, USAA MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING USAA SAFEPILOT AND THE SAFE DRIVING PROGRAM. USAA DOES NOT REPRESENT OR WARRANT THAT USAA SAFEPILOT AND/OR THE SAFE DRIVING PROGRAM WILL RESULT IN SAFER DRIVING; NOR DOES IT REPRESENT OR WARRANT THAT USAA SAFEPILOT AND/OR THE PROGRAM WILL PREVENT UNSAFE DRIVING, COLLISIONS OR OTHER HARMFUL EVENTS. USAA PROVIDES USAA SAFEPILOT AND THE SAFE DRIVING PROGRAM "AS-IS" AND "AS-AVAILABLE" AND IS NOT RESPONSIBLE FOR INCOMPLETE OR INACCURATE DATA. DATA COLLECTED, INCLUDING RAW DATA, WILL NOT BE MADE AVAILABLE EXCEPT AS OTHERWISE PROVIDED HEREIN OR AS REQUIRED BY LAW.

5.5 Program Discount

Enrollment & Participation Discount

Upon enrollment, a participation discount will be applied to the auto policy in participating locations. If all drivers in the household do not choose to participate, the participation discount will be reduced and applied based on a proportion of the number of participants. For example, if the maximum available participation discount is 5% and a household of two drivers only elects to have one driver participate, the participation discount will be reduced to 2.5%.

Renewal Discount

Following enrollment, download and use of USAA SafePilot, USAA SafePilot will begin capturing the driving behavior. During the first 14 days, participants will be provided with feedback on their driving behavior. However, the driving behavior of the first 14 days will not be used in the determination of the driving score. After 14 days, the driving behavior will be used in the determination of the driving score. Participants will continue to receive feedback on their driving behavior.

At the end of the participants' initial policy term, the driving score will be converted to a discount to be applied to the auto policy in participating locations. USAA SafePilot will continue to collect data during the next term for the purpose of scoring the driving behavior to determine if a driving discount can be applied for subsequent renewals.

If USAA SafePilot did not receive enough driving behavior information during the policy term, the participation discount will apply while USAA SafePilot collects driving behavior to establish a driving score. The participation discount can be applied up to 365 days if there is not enough data to determine a driving score at each renewal.

5.6 Disclaimer

USAA SafePilot is intended to be used solely in hands free mode. Use of a mobile or handheld device is at your own risk and subject to applicable local, state and federal laws. You agree to hold USAA and our service providers harmless for your use of USAA SafePilot, including but not limited to your failure to abide by relevant laws and regulations while driving.

6. Support and Availability

6.1 Support: For support related to USAA SafePilot or the USAA safe driving program, please call 1-800-531-8722 for assistance.

7. Other Terms

7.1 Third-party Fees: USAA SafePilot transmits data via your wireless carrier or an accessible Wi-Fi network. USAA is not responsible or liable for any charges associated with your use of USAA SafePilot. You are responsible for any fees charged by your telecommunications provider or any other third party in connection with your use of USAA SafePilot

7.2 Severability: If any provision of the Terms is held to be illegal, invalid, or unenforceable by a competent court, then the provision shall be performed and enforced to the maximum extent permitted by law, and the remaining provisions of the Terms shall continue to remain in full force and effect.

7.3 Warranty: THE USAA SAFE DRIVING PROGRAM IS PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, USAA DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, QUALITY, AND NONINFRINGEMENT. USAA EXPRESSLY DISCLAIMS ANY WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICE, INCLUDING WITH RESPECT TO THE ACCURACY OR FUNCTIONALITY OF THE SERVICE, THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY INFORMATION AVAILABLE THROUGH THE SERVICE.

7.4 Trademarks: USAA trademarks and related imagery used in connection with the USAA safe driving program are the property of USAA. Other trademarks and related imagery encountered are the property of their respective owners.

7.5 Jurisdiction and Venue. If any claim or dispute under this agreement is not subject to arbitration, then exclusive jurisdiction and venue shall be with a court of competent jurisdiction in Bexar County, Texas. You consent to the jurisdiction of such courts and agree to accept service of process issued by such courts.

7.6 Limits on Use of Application. Services provided through the safe driving program ("Services") may contain proprietary content that is protected by intellectual property laws. You agree to the Services only as permitted. You agree not to engage in any of the following prohibited actions:

• Reproduce any portion of the Services in any form or by any means.
• Modify, rent, lease, loan, sell, distribute, reverse engineer, or create derivative works based on the Services, in any manner.
• Exploit the Services in any unauthorized way whatsoever, including but not limited to, by trespass or burdening network capacity.
• Use the Services to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party.
• Use or assist others to use the Service or equipment for any unlawful, unauthorized, abusive or fraudulent purpose.

7.7 Termination. USAA and its licensors reserve the right to change, suspend, remove, or disable access to any Program at any time without notice. In no event will USAA be liable for the removal of or disabling of access to any such Program. USAA may also impose limits on the use of or access to the Program, without notice. You may terminate your participation in the program by discontinuing use of USAA SafePilot and notifying USAA.

7.8 Miscellaneous. Subject to section 1.2 above: (a) The Terms represent the complete agreement concerning the safe driver program between you and USAA and supersedes all prior or contemporaneous agreements and representations between you and USAA regarding the subject matter the Terms. (b) The Terms, as amended from time to time, will remain in force as long as your automobile policy continues to be in effect through any renewal, transfer, reinstatement, or amendment of the automobile policy, or, if you request to discontinue participation, until 30 days after participation is discontinued.

7.9 Additional Information. Use of the term "member" or "membership" does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Membership eligibility and product restrictions apply and are subject to change. To be eligible for auto and property insurance, separated military personnel must have received a discharge type of Honorable.

Eligible former dependents of USAA members may purchase auto or property insurance if the member obtained USAA auto or property insurance.

USAA means United Services Automobile Association and its insurance, banking and other companies. Banks Member FDIC.

No Department of Defense or government agency endorsement.

Download USAA Safe Driving Program Terms and Conditions for April 1, 2021 to January 30, 2022 (PDF)