What should a USAA auto insurance review tell me before I get a quote?

The first thing any honest USAA auto insurance review should tell you is that membership comes before price. USAA sells liability, collision, comprehensive and gap coverage in all 50 states, but online quotes and purchases are restricted to members. Confirm you can join before you spend time comparing numbers you might not be able to act on.

Does USAA offer gap insurance and rideshare coverage?

Yes, both are part of USAA's coverage lineup. Gap insurance pays the difference between what your car is worth and what you still owe if it's totaled, which matters most on newer loans. Rideshare coverage extends your personal policy to cover you while you're driving for a service like Uber or Lyft, a gap most standard auto policies leave open.

USAA Car Insurance Review

Q: Can I get USAA car insurance if I'm not in the military?

Possibly, but USAA membership is required to get a quote or buy a policy online, and that membership is tied to military service or a military-connected family member. Check eligibility directly on USAA's site rather than guessing based on what you've heard. If you don't qualify, the next step is simple: compare quotes from other carriers instead of waiting around.

Q: Should I compare quotes if I already have USAA car insurance?

Yes. USAA's own 2025 annual report says about half of its auto policyholders are expected to see a premium decrease in 2026, which also means roughly half are not. Carriers price the same driver differently depending on state, driving history and the coverage mix you choose. Being a member is a reason to feel comfortable with USAA, not a reason to stop checking what car insurance costs elsewhere at renewal.

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What to Know

USAA is one of the top-rated car insurance companies for eligible members. It offers liability, collision, comprehensive and gap coverage, plus add-ons like rideshare and roadside help, across the United States. Online quotes and purchases require membership, so check your eligibility before you compare prices.

USAA is limited to active-duty military members, veterans, and their immediate families.

Discounts: 13
Online Quotes
Online Policy Purchase

Available in all 50 states and D.C.

Why We Like USAA

USAA fits drivers in the military community who want one insurer for both basic coverage and add-ons. Its discounts include military-specific options such as Military on-base and MyUSAA legacy. You can get a quote, buy a policy and file a claim online.

Pros and Cons

Pros

Offers rideshare coverage
Offers gap insurance
13 discounts to choose from

Cons

Membership required

Solvable's Take on USAA Car Insurance

For eligible members, USAA could be a strong fit. Several of its discounts fit how service families live: Military on-base, MyUSAA legacy and Car storage, which can matter when a car sits parked for a long stretch. Check USAA's terms to see how each one applies to you.

SafePilot, USAA's usage-based program, prices partly on how you drive. USAA also offers rideshare insurance and roadside assistance.

USAA's biggest limit is who can buy from it. However, more than 2 million current members of the U.S. military and roughly 17 million veterans are alive today, which means USAA's potential customer base is vast.

If you're eligible but not currently a USAA customer, it's worth getting a quote and comparing it against your current insurer.

USAA Car Insurance Discounts

USAA offers the discounts below. Which ones you qualify for, and how much each is worth, depends on your state and your situation.

USAA SafePilot (usage-based)
Multi-vehicle
Bundle and save
Safe driving
Basic driver training
Defensive driver training
Good student
New vehicle
Anti-theft device
Car storage
Military on-base
MyUSAA legacy
Automatic payments

USAA Car Insurance Coverage

Liability Coverage

Liability pays for damage and injuries you cause to other people and their property. Most states require a minimum amount, and many drivers carry more than that minimum to stay financially protected.

Collision Coverage

Collision pays to repair your car after a crash, no matter who caused it.

Comprehensive Coverage

Comprehensive pays for damage that doesn't come from a crash, such as theft, hail, flooding or a falling tree.

Gap Insurance

Gap insurance pays the difference between your car's value and what you still owe on your loan or lease if the car is totaled.

Personal Injury Protection and Medical Payments

Personal injury protection (PIP) and medical payments coverage (MedPay) help pay medical bills for you and your passengers after a crash, regardless of who caused it. PIP can also cover costs like lost wages, and some states require it.

Uninsured/Underinsured Motorist Coverage

This coverage pays your costs when the driver who hit you has no insurance or not enough to cover the damage. Without it, you may have to pay those costs.

Rental, Rideshare and Roadside Help

Rental reimbursement helps pay for a rental car while yours is being repaired after a covered claim. Rideshare insurance fills coverage gaps when you drive for a ride-hailing app, and roadside assistance covers towing and labor when your car breaks down.

Frequently Asked Questions

Can I get USAA car insurance if I'm not in the military?

You need USAA membership to get a quote or buy a policy online, and membership is limited to active-duty and military veterans, along with their immediate families. USAA's website has more information about eligiblity requirements.

What is USAA SafePilot?

USAA SafePilot is USAA's usage-based discount program, which adjusts part of your rate based on how you drive. It tracks things like braking and speed through an app or device. How much it affects your premium varies by driver and state, so treat it as a factor to ask about, not a guaranteed discount.

Should I compare quotes if I already have USAA car insurance?

It's always a good idea to compare quotes every time your car insurance policy is up for renewal. And if you're planning to move or get married, have a young driver in your family, or had to file a recent claim, see if you can get a lower rate elsewhere.