Is USAA a good auto insurance company?

USAA has an AM Best financial strength rating of A++, with a complaint index of 0.65 (below industry average). They rank #5 nationally by market share.

How much does USAA auto insurance cost?

USAA rates vary by state, driving record, and vehicle. Compare quotes from USAA and other carriers to find the best rate in your area.

What discounts does USAA offer?

Contact USAA directly for information about available discounts.

USAA Auto Insurance Review 2026 | Rates, Complaints & Ratings

Name: USAA Auto Insurance
Brand: USAA
Rating: 4.5 (1000 reviews)

AM Best Rating

A++

Stable outlook

National Rank

by market share

Complaint Index

0.65

35% below industry average

Founded

1922

104 years in business

USAA Rates by State

Average Premium Comparison (Top 10 States)

National avg: $1,920

Rates vary by driver profile and coverage level. View recent rate filings →

USAA Rate Changes

No rate filings found for this carrier. Check back soon as we continue adding data.

USAA Complaints

NAIC Complaint Index

The complaint index compares the number of complaints to market share. A score below 1.0 means fewer complaints than expected for company size.

0.6535% below average

USAA has fewer complaints than expected relative to its market share. With a complaint index of 0.65, this carrier receives 35% fewer complaints than the industry average for a company of its size.

Common Complaint Categories

Claims Handling42%

Premium/Billing28%

Policy Terms18%

Customer Service12%

Industry-wide complaint category breakdown. Source: NAIC.

About USAA

Last updated: May 2026•Data: NAIC, AM Best

USAA is one of the largest auto insurers in the United States, founded in 1922 (104 years in business) and headquartered in San Antonio, TX.

Financial Strength: USAA carries an AM Best rating of A++, the highest possible rating, indicating superior financial strength and ability to pay claims.

Customer Complaints: The NAIC complaint index for USAA is 0.65, well below the industry average, indicating strong customer satisfaction. A score of 1.0 represents the national median—scores below 1.0 indicate fewer complaints than expected for a company of this size.

USAA offers standard auto insurance coverages including liability, collision, comprehensive, and optional add-ons like roadside assistance and rental car reimbursement.

With an AM Best financial strength rating of A++ (Stable outlook),USAA demonstrates superior ability to meet ongoing insurance policy obligations.

According to NAIC data, USAA has a complaint index of 0.65, which is below the industry average of 1.0. This indicates excellent customer satisfaction relative to the carrier's market share.