For American drivers, particularly those with military ties, USAA car insurance quotes are synonymous with affordability, tailored coverage, and exceptional customer service. The United Services Automobile Association (USAA) has been a trusted name in insurance since 1922, serving military members, veterans, and their families with competitive rates and specialized benefits. In 2025, USAA continues to stand out for its low premiums—averaging $1,335 annually, 36% below the national average—and high customer satisfaction ratings, scoring 4.9 out of 5 according to U.S. News. But how do you get a USAA quote, and what makes their rates so attractive? This guide dives into everything you need to know about securing cheap USAA car insurance, from eligibility to discounts and application methods. Whether you’re an active-duty service member or a veteran’s spouse, here’s how to get the best USAA car insurance quotes in 2025.
What Is USAA and Why Choose It for Car Insurance?
USAA (United Services Automobile Association) is a financial services organization serving military personnel and their families. Established in 1922, USAA offers a wide range of products, including auto insurance, banking, and investment services.
What sets USAA apart?
- Tailored military car insurance
- Highly-rated customer service
- Exclusive discounts for eligible members
- Consistently low premiums compared to national averages
If you’re eligible, USAA car insurance quotes are well worth exploring.
Who is Eligible for USAA Car Insurance?
USAA car insurance is exclusive to the military community, ensuring tailored coverage for those who serve or have served. To qualify for USAA car insurance quotes, you must meet specific eligibility criteria:
- Active-Duty Military: Enlisted members of the Air Force, Army, Coast Guard, Marines, Navy, National Guard, and Reserves.
- Veterans: Those who have retired or received an honorable discharge.
- Pre-Commissioned Officers: Cadets, midshipmen, or officer candidates in U.S. service academies, advanced ROTC, or on ROTC scholarships.
- Family Members: Spouses, widows, widowers, and unremarried former spouses of USAA members, as well as children of USAA members (including adult children).
Siblings and parents of USAA members are not eligible unless they served in the military themselves. To confirm eligibility, you’ll need to provide details like branch, rank, and service dates when requesting a USAA quote online or by phone.
How to Get a USAA Car Insurance Quotes
Securing a USAA car insurance quote is straightforward, with multiple convenient options available in 2025. Here’s how to get started:
Online
USAA’s website (www.usaa.com) offers a user-friendly platform to get a USAA quote in minutes. Follow these steps:
- Visit the USAA Website: Navigate to the auto insurance section.
- Verify Eligibility: Provide details about your military affiliation (e.g., branch, rank, or family connection).
- Enter Personal Information: Input your ZIP code, driving history, vehicle details, and coverage preferences.
- Review Your Quote: USAA will generate a personalized quote based on your input.
The website is intuitive, though it lacks a live chat feature, which some competitors like Geico offer.
By Phone
For personalized assistance, contact USAA’s insurance phone number at 800-531-8722. Agents are available to guide you through the quoting process, answer questions, and confirm eligibility. This option is ideal if you prefer discussing coverage options with a representative or have complex needs, such as adding multiple vehicles.
Via Mobile App
The USAA mobile app, rated 4.7 on Google Play and 4.8 on the Apple App Store, allows you to get a USAA quote on the go. After downloading the app (available for iOS and Android), log in or create an account, verify your military status, and input your details to receive a quote. The app also lets you manage policies, file claims, and access digital ID cards, making it a convenient tool for busy military families.
Factors That Affect Your USAA Car Insurance Quotes
Like all insurers, USAA determines rates based on several personal and vehicle factors:
| Factor | Impact |
|---|---|
| Driver’s Age | Younger drivers often pay more |
| Driving Record | Tickets and accidents raise premiums |
| Vehicle Type | Sports cars = higher rates |
| Location (ZIP Code) | High-crime or urban areas may cost more |
| Military Status | Deployment or storage discounts apply |
| Credit History | May affect rates in some states |
Want cheap USAA car insurance? Maintain a clean driving record and explore all eligible discounts.
USAA Auto Insurance Discounts and Savings Programs
USAA offers a range of discounts to help military members and families save on car insurance. Here are the key USAA auto insurance discounts available in 2025:
- SafePilot Program: Enroll in USAA’s telematics program to save up to 30% by tracking safe driving habits. Not available in California, Delaware, or New Jersey.
- Military Installation Discount: Save up to 15% on comprehensive coverage (and collision in California) by garaging your vehicle on a military base. Not available in New York.
- Deployment Storage Discount: Save up to 60% when storing your vehicle during deployment.
- MyUSAA Legacy Discount: Drivers under 25 named on a family’s USAA policy with no major violations for three years can save up to 10%.
- Multi-Vehicle Discount: Insure multiple cars to reduce your premium.
- Bundling Discount: Combine auto with home or renters insurance for up to 10% savings.
- Good Student Discount: Students with a GPA of 3.0 or higher can save up to 10%.
- Automatic Payments: Save up to 3% by enrolling in autopay.
To maximize savings, ask about all applicable discounts when getting a USAA quote.
Pros and Cons of Choosing USAA Car Insurance
Pros
- Competitive Rates: USAA’s average annual premium of $1,335 is 36% below the national average, making it one of the cheapest options for eligible drivers.
- High Customer Satisfaction: USAA scores 4.9/5 in customer service and claims handling, per U.S. News, and 5/5 in J.D. Power’s 2023 study.
- Military-Specific Benefits: Discounts for deployment, on-base storage, and coverage for military equipment like uniforms.
- Nationwide Availability: Policies are available in all 50 states and Washington, D.C., ideal for frequent relocations.
- Highly Rated Mobile App: Manage policies, file claims, and get quotes conveniently.
Cons
- Limited Eligibility: Only available to military members, veterans, and their families.
- No 24/7 Customer Support: Unlike some competitors, USAA’s phone support has limited hours.
- No Gap Insurance: USAA offers car replacement assistance but not traditional gap insurance, which may be pricier.
- Average Digital Experience: The website lacks live chat and advanced search features.
USAA vs Other Major Insurers
Here’s a quick comparison of USAA with other top car insurance companies:
| Feature | USAA | Geico | Progressive | State Farm |
|---|---|---|---|---|
| Avg. Monthly Rate | $98 | $120 | $127 | $115 |
| Military Benefits | ✅ Yes | ⚠️ Limited | ❌ No | ❌ No |
| Customer Rating | ⭐ 4.8/5 | ⭐ 4.2/5 | ⭐ 4.1/5 | ⭐ 4.0/5 |
| Discounts | ✅ Many | ✅ Many | ✅ Many | ✅ Many |
Bottom Line: If you’re eligible, USAA often offers the cheapest car insurance and best service for military families.
Tips to Lower Your Premium with USAA
To secure cheap USAA car insurance, consider these strategies:
- Compare Quotes: Always get quotes from at least three insurers to ensure USAA offers the best rate for your profile.
- Maximize Discounts: Apply all eligible discounts, such as SafePilot, bundling, or military-specific savings.
- Choose Higher Deductibles: Opting for a higher deductible can lower your premium, provided you can afford out-of-pocket costs.
- Maintain a Clean Driving Record: Avoid tickets and accidents to qualify for safe driver discounts.
- Reduce Coverage When Appropriate: If storing your vehicle during deployment, switch to minimal coverage to save up to 60%.
- Improve Your Credit Score: In states where allowed, a better credit-based insurance score can reduce rates.
- Bundle Policies: Combine auto with home or renters insurance for additional savings.
Customer Reviews and Ratings (2025)
As of mid-2025, USAA remains one of the highest-rated auto insurers:
- J.D. Power Score: 890/1000 (Top in customer satisfaction)
- BBB Rating: A+ (Accredited)
- Trustpilot Score: 4.7/5
- Google Reviews: Mostly 5-star ratings citing claims service and affordability
“As a military family, USAA saved us over $300 a year while providing better coverage.” — Verified Reviewer
FAQs About USAA Car Insurance Quotes
1. How do I get a USAA Car Insurance Quotes?
You can get a USAA quote online, through the app, or by calling 1-800-531-8722.
2. Is USAA only for military members?
Yes. USAA is exclusively available to active-duty military, veterans, and their families.
3. What makes USAA cheaper than other insurers?
USAA keeps costs low through member-only policies, military discounts, and low administrative overhead.
4. Can I get a USAA quote without being a member?
You must create a free USAA account and verify eligibility to receive a car insurance quote.
5. Does USAA offer accident forgiveness?
Yes, they do offer accident forgiveness for eligible drivers after five years of safe driving.
Conclusion: Get Your USAA Car Insurance Quotes Today
If you’re a current or former service member—or related to one—USAA Car Insurance Quotes should be at the top of your list. With military-focused benefits, cheap premiums, and award-winning customer support, USAA continues to be a leader in auto insurance.
➡️ Ready to save? Visit usaa.com to get your free USAA Car Insurance Quotes today.
