Highest claims-satisfaction scores in the industry — military families only.
Get started at USAA → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Active-duty military, veterans, and immediate family members of either. Restricted membership.
USAA Auto Insurance — Highest claims-satisfaction scores in the industry — military families only. Best for: Active-duty military, veterans, and immediate family members of either. Restricted membership.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
USAA consistently ranks as the top-rated auto insurer in independent studies for eligible members. In J.D. Power's annual U.S. Auto Insurance Study, USAA earns the highest customer satisfaction score among all carriers measured, year after year. Its A++ financial strength rating from A.M. Best is the highest possible tier, indicating superior ability to pay claims. For the subpopulation eligible to join — active-duty military, veterans, and immediate family members — USAA is typically the combination of lowest premium and highest satisfaction available. Source: J.D. Power 2024 U.S. Auto Insurance Study; A.M. Best rating published at ambest.com.
USAA membership — required to purchase any USAA insurance product — is restricted to: (1) active-duty members of the U.S. military; (2) National Guard and Reserve members; (3) honorably discharged and retired veterans; (4) widows and widowers of USAA members who were eligible at the time of death; and (5) children and stepchildren of USAA members. Parents and siblings of eligible members are NOT eligible. If you're unsure, USAA's membership eligibility check at usaa.com can verify in minutes. Sources: USAA eligibility policy published at usaa.com/membership.
USAA's average annual auto insurance premium is consistently estimated below $1,400 for eligible members nationally — among the lowest of any major carrier. The exact premium depends on your state, vehicle, driving record, age, and coverage levels. USAA also offers a SafePilot usage-based telematics program where low-mileage, safe-driving members can earn additional discounts. The National Association of Insurance Commissioners (NAIC) publishes state-level premium data at content.naic.org for benchmark comparison. For your specific rate, get a quote directly at usaa.com.
No. ClearValue Lending is not a licensed insurance broker or agent. This review presents publicly available editorial information about USAA auto insurance. Coverage terms, pricing, and eligibility vary by state and individual circumstances — obtain official quotes and policy details directly from USAA at usaa.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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