USAA Insurance: Auto, Home, and Renters

Your shopping guide to USAA auto, homeowners, and renters insurance. Discover coverages, discounts, and how to get quotes.

The United Services Automobile Association (USAA) is one of the ten largest property and casualty insurance companies in the US, according to the Insurance Information Institute (III). Serving only military members and their families, USAA offers several insurance products, as well as banking, retirement, and investment services. Based in San Antonio, Texas, the company operates in all 50 states and Washington, D.C.

This guide will tell you all about USAA auto, homeowners, and renters insurance. We’ll give you a detailed overview of the types of coverages and discounts the company offers, as well as important rate factors. We’ll also provide key USAA company information, including its financial strength, customer service rating, claims process, and more.

Pros:

  • Affordable rates
  • Excellent customer satisfaction ratings
  • Easy claims process
  • Offers a wide range of insurance
  • Large and stable company

Cons:

  • Exclusive to military families
  • Not a lot of discounts
  • Doesn’t have gap insurance
  • No Mexican travel insurance

USAA Auto Insurance

Auto insurance is one of USAA’s main products. Despite it exclusively serving military service members and their families, USAA is the fifth-largest auto insurance company by market share in the US. USAA is also known for having a high level of customer satisfaction. J.D. Power doesn’t include the company in its rankings, but they indicate that USAA has an above-average score of 875 out of 1,000.

USAA Auto Coverages

USAA offers several types of coverages to eligible customers. These include ones that states require, such as liability coverage, and others like collision and comprehensive. You can also add extra coverages like rideshare and roadside assistance.

However, there are some types of insurance USAA doesn’t provide. For example, USAA doesn’t offer gap insurance to help you pay off your car loan after an accident. It also doesn’t offer coverage for driving in Mexico. To get this, you’ll need to buy extra coverage from a Mexican insurance company.

Below is a full list of USAA’s auto insurance coverages:

Liability Insurance

USAA offers liability insurance. This is the most basic form of insurance that almost all states require to drive. It covers any property damage or injury costs you cause in an at fault accident.

Comprehensive Coverage

Comprehensive insurance covers random disasters or “acts of God” that could wreck your car. This includes events such as:

  • Severe weather e.g., hail, wind, or floods
  • Theft and vandalism
  • Hitting an animal
  • Fires
  • Riots and civil disturbances

Collision Coverage

Collision insurance will cover damages to your car from an accident, regardless of fault. Your car must have been in a collision with another object for this to cover anything. Collision coverage also includes one-car accidents.

Uninsured and Underinsured Motorist Coverage (UM and UIM)

If you get into an accident with someone who either doesn’t have enough insurance or none at all, you could be left to pay for much of the damages on your own. UM and UIM coverage would step in to cover any costs in this case.

Personal Injury Protection (PIP) and Medical Payments Coverage (MedPay)

Many states require you to carry PIP or MedPay on your policy. These coverages pay the medical bills for you and your passengers after a car accident regardless of fault.

Umbrella Insurance

Your liability insurance may not be enough to cover the full expenses from an accident. In this case, you’d have to pay the remaining amount out of pocket. USAA Umbrella insurance adds extra liability coverage to protect you from spending any of your own money.

Rental Reimbursement

If an accident puts your car in the shop, rental reimbursement will pay for a rental in the meantime.

Rideshare Coverage

You won’t always have coverage when you drive for a rideshare company like Uber or Lyft. USAA offers rideshare coverage to help protect you whenever you’re logged into the app and waiting for a gig.

Car Replacement Assistance

Car replacement assistance will add an extra 20% in actual cash value if your car is a total loss. This will help you get a larger settlement after the fact. While this doesn’t replace gap insurance, it still helps lessen the blow of a totaled car.

Roadside Assistance

USAA offers roadside assistance coverage. USAA’s roadside assistance is available across the US, as well as internationally in Canada, Germany, Italy, and England. The company’s services are 24/7. USAA’s roadside assistance covers the following:

  • Towing
  • Flat tires
  • Battery jump-starts
  • Locked cars
  • Fuel deliveries
  • Cars stuck in mud, snow, or ditches

Normally, you’ll need to add roadside assistance to your policy to use its benefits. However, USAA allows you to get roadside assistance even when it’s not on your policy. To do so, you’ll need to pay a special rate for each service. USAA assures customers on its website that its prices are often cheaper than other roadside assistance providers.

How to Contact USAA’s Roadside Assistance

To get immediate service from USAA’s roadside assistance, the insurer tells customers to either go on its website or use the mobile app to request help. Alternatively, you can try calling the USAA roadside assistance phone number, (800) 531-8722.

Auto Insurance Term Length

USAA offers two term lengths for their auto insurance policies. The shortest policy period is six months. You can also get a 12-month policy term. You won’t be able to get a temporary car-insurance policy with USAA.

High-Risk Auto Insurance

High-risk drivers may be able to get a policy with USAA. These are drivers with severe violations, such as a DUI, or several tickets and accidents on their records. USAA will also help you file an SR-22 or FR-44 form if your state requires it.

Insurance for Rebuilt Title Cars

Does USAA insure rebuilt titles? Yes, they do. USAA insures cars with rebuilt salvage titles that meet the state’s safety qualifications. This doesn’t apply to vehicles with salvage titles. USAA won’t insure a salvage because it’s unsafe and not streetworthy. Cars with rebuilt titles, on the other hand, must pass rigorous testing and inspections.

Even though you can get auto insurance for a rebuilt title, be aware that they normally won’t receive full coverage. It’s more likely that you’ll only be able to get liability insurance. And, because of the claims history that includes the car getting declared a total loss, you’ll most likely pay a little more for USAA to cover your rebuilt car.

How to Get a USAA Quote

Already considering USAA for auto insurance? If so, you should get a quote. Luckily, USAA provides three easy ways you can request one:

  • By visiting USAA.com and filling out the quote form on the front page
  • Calling (800) 531-8722
  • Contacting a USAA agent

Be ready to give USAA some personal information. At the time, it may seem like a lot of info. But USAA needs it to give you an accurate and personalized quote. Here’s what you’ll likely need to give USAA when you get a quote:

  • First and last name
  • Sex
  • Marital status
  • Address and ZIP code
  • Phone number and/or email address
  • Driver’s license number of each driver you want to insure
  • Make, model, and VIN of each car you want to insure
  • Desired coverage and limits
  • If there have been any tickets or accidents on your driving record, especially in the last five years

Note: you won’t typically get a final rate by just getting a quote online. Chances are, you’ll end up talking to a USAA representative at some point to get a complete idea of what you’ll pay with the company.

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USAA Auto Rates

USAA offers cheap auto insurance rates to military families. Despite this, your rates will still depend on several different factors. These factors are seemingly small details that form a larger picture of how risky you are as a driver and customer. Below are rate factors that USAA may use:

  • Yearly mileage
  • Driving record
  • Whether your car is for personal or business use
  • How high your deductible is
  • The car you drive
  • How much coverage you buy

Another major rate factor is where you live. USAA may quote you differently depending on which state you live in. The state with the highest USAA auto insurance rates is Louisiana, with customers paying an average of $256 a month. Meanwhile, Maine residents pay the lowest USAA rates in the country, with customers paying an average of $94 per month.

USAA Auto Discounts

USAA has a reputation for being one of the cheapest auto insurance providers in the country. Even so, you can lower your rates with discounts. USAA’s discount selection isn’t huge and each one doesn’t lower your rates by much. But every bit counts toward getting you the cheapest rates.

Here’s a breakdown of USAA’s auto insurance discounts:

Driving Behavior and History

USAA provides drivers with many ways to save based on driving habits and safety. All you need to do is drive safely, keep out of accidents, don’t get tickets, and take an easy online class. How much you save will be up to you.

Safe Driving Discount

To qualify for USAA’s safe driving discount, you must stay safe on the road and avoid accidents for at least five years.

Accident Forgiveness

After five accident-free years with USAA, your first at-fault accident may not cause your rates to increase. This discount may require a premium add-on. USAA accident forgiveness is not available in CA, CT, DE, NC, and NY.

USAA Driver Training Discount

Complete a defensive driving course and USAA will discount your auto insurance. They’ve partnered with SafeDriver.com and their online defensive driving education program. It’s a basic program that won’t take a huge investment of your time or money. Most people complete this 100% online course in four to six hours.

To qualify, go to SafeDriver.com to sign up.

Your savings begin once you:

  • Register and complete the online defensive driving course
  • Send USAA your completion certificate

The defensive driving class costs $39.95 for each person. Not available in every state. Savings vary.

Storage Discount

If you’re deployed or need to store your vehicle for any reason, ask about the storage discount. This is a big one, too, with savings of up to 60%. To qualify, no one can drive the car and it must be stored in a secure place.

If you garage your vehicle on a military base, you can take another 15% off your comprehensive coverage. One less thing to worry about!

Not available in HI, NC, and VA.

Annual Mileage Discount

Discount applies to vehicles driven less than 12,000 miles in a calendar year. It’s not exactly a low mileage discount, but it works in a similar way.

Not available in Hawaii and North Carolina. Other restrictions apply.

Pay As You Drive

This is USAA’s usage-based auto insurance program or UBI. This isn’t a discount so much as a new way of setting your rates. Instead of paying one rate each six- or 12-month policy period, your premium is determined by how much your drive. Your driving style will also affect your rates. Rate factors include:

  • Mileage – fewer miles save more money
  • Smoothness – speed and braking
  • Focus – phone usage (even hands-free)
  • Road Choice – where you drive can affect rates
  • Time of Day – night driving is more dangerous than daytime

Available in AZ, CO, LA, MD, OH, NM, PA, and TX.

Pay As You Drive app download links:

USAA SafePilot

SafePilot is USAA’s usage-based telematics program. That’s a lot of jargon, so let us explain. Simply put, telematics allows insurers to set your insurance rates by gathering data about how, where, and when you drive. A mobile app sends this information to USAA and, after a while, you could see savings of up to 30%!

To begin, download the USAA SafePilot App from an app store and sign up. Boom! You just saved 10% immediately just for joining.

Download links:

You don’t need to launch the app when you hit the road. It’ll automatically record these actions:

  • Time of day
  • Location (GPS)
  • Passenger or driver
  • Phone handling, including hands-free or hand-held calling
  • Harsh braking
  • Hours driven each year

At policy renewal time, your history will inform your rates for the new term. The best, safest drivers can achieve up to 30% savings. If that’s you, it’s worth it.

Bad drivers who score poorly over their policy period may not end up with any additional discount. But you still get the 10% for signing up! USAA states clearly that it won’t raise your rates if you score poorly. But let’s face it, drivers with bad driving habits will undoubtedly get a ticket or crash their car. Bad driving is its own reward. USAA doesn’t need any fancy scoring to find out how bad a driver you are.

USAA SafePilot is currently available in 37 states to current policyholders. Scoring begins after a two-week trial period.

Good Student Discount

Good student discounts provide savings for families with teen drivers that do well in school. USAA is cagey regarding how much you can save. But many estimates say you can save about 3% or 4%. Less than any other major insurer for this type of discount.

Even so, why wouldn’t you want to take advantage of your kid’s good work at school? To qualify, your student must first be:

  • Licensed to drive
  • A full-time student in high school, college, or vocational-technical school
  • Between 16 and 24 years of age

That’s not all, of course. Your student must also get good grades. To qualify for the good student discount, students must attain one of the following:

  • Upper 20% of the class
  • 3.0 or “B” GPA. If the school doesn’t average grades, then no grade can be below a “B”
  • Honor Roll, dean’s List, or equivalent

USAA requires verification of the grades to receive this discount. Acceptable forms include grade transcripts, report cards, letters from the dean, or similar. USAA must verify grades each school term. You must submit a new good student discount application each year.

USAA’s good student discount is not available in Hawaii and North Carolina.

Vehicle-Based Discounts

These discounts apply when you have certain features and devices in your car. Newer cars can also get in on the action. Check with your agent for details.

Anti-Theft Device Discount

Cars with an anti-theft device may qualify for this discount. Restrictions do apply and you may need an annual certification. Not available in all states.

New Vehicle Discount

Those new car payments just got easier thanks to USAA’s new vehicle discount. Your new car must be no older than three years to qualify. Restrictions apply.

Not available in Puerto Rico or on Touring policies.

Loyalty Discounts

Insurance companies love it when customers remain loyal. USAA is no different. It offers several loyalty discounts to long-time policyholders and those with more than one thing to insure.

Insurance Bundling

You can claim the 10% USAA bundling discount when you bundle your auto insurance with either a renters or homeowners policy. Insurance bundling is one of the best ways to save on your premium. But USAA only allows you to bundle your auto insurance with home and renters.

A lot of other insurers offer better savings and more bundling opportunities. But consider that USAA is already the cheapest auto insurance option out there.

Family Discount

You can save up to 10% on your auto insurance if you meet the following requirements:

  • On parents’ policy for at least three years.
  • Your driving record is clean
  • You’re under 25

As always, restrictions apply.

Multi-Vehicle Discount

if you have two or more vehicles covered by one USAA policy, you may qualify for the multi-vehicle discount. Restrictions apply.

Filing an Auto Insurance Claim with USAA

If you find yourself in an accident, especially one with injuries and severe damage, you’ll likely need to file a claim. USAA’s claims process is simple and shouldn’t take you very long. You can file online, with their app, or on the phone at (800) 531-8722. When you file an auto insurance claim with USAA, you’ll need to follow these steps:

  • Give an account of what happened in the accident
  • Provide photos of the damage
  • Locate an auto repair shop and rental car

After USAA reviews your claim, your car will receive an inspection. Then, USAA will pay you the amount necessary to repair your car.

USAA also makes it easy to file a claim if you don’t have a policy with them. This would only happen if you ended up in an accident with a USAA-insured driver. In this case, you’ll need to explain what happened and await USAA’s investigation. Then, they’ll decide who’s at-fault in the collision.

Key Takeaway

USAA’s auto insurance is a great choice. They offer several types of coverages to protect you and your car. However, they don’t have gap or Mexican travel insurance, so you’ll need to look elsewhere for it. Their discount selection is lacking options and doesn’t provide much savings. But they’re already one of the cheapest insurers around, so it doesn’t matter as much. Finally, you can expect a quick and easy claims process with USAA.

USAA Homeowners Insurance

USAA also provides homeowners insurance to its customers. This will help protect your home from unforeseen disasters. In J.D. Power’s 2021 home insurance study, USAA got an impressive score of 882. J.D. Power excludes USAA from their ranking against other insurers, but this score would’ve been the highest among all companies.

USAA Homeowners Coverages

Buying a homeowners insurance policy from USAA will get you a lot of protection. USAA has nine main home insurance coverage types. These cover just about everything you can think of. Here’s a breakdown of what exactly they offer:

Dwelling Coverage

This covers the physical structure of your house from covered perils, such as fires or severe weather. The physical structure includes parts of your home like your walls, roof, and floors.

Personal Belongings

This protects your personal belongings, in and out of the house. Note that this only replaces or pays for your items if a covered disaster destroys them.

Loss of Use

A disaster could make your house uninhabitable. If this is the case, loss of use coverage will pay for any living expenses while your house receives repairs.

Personal Liability

Liability protection pays for any damages or injuries you or other household members cause. For instance, if your kid breaks your neighbor’s window, personal liability coverage will pay for it.

Home Sharing Coverage

If you plan on renting out a part of your house, this will cover you and any tenants should any damage or injuries occur. This coverage isn’t available in all states. Be sure to ask your USAA agent whether your state offers home sharing coverage.

Other Structures Coverage

While dwelling coverage protects your house, there may be other structures on your property that need protection. This will cover other structures, such as:

  • Swimming pools
  • Gazebos
  • Sheds
  • Fences

Earthquake Coverage

Most homeowners insurance policies don’t include earthquake coverage. But with USAA, you can add it to your policy if you live in Washington or Oregon.

USAA Homeowners Discounts

There are a few different ways you can lower your home insurance rates with USAA. They offer a handful of discounts that could knock a big percentage off of your premium. Here’s a look at what discounts they offer:

  • Bundling your policies. Buying home and auto insurance with USAA can save you up to 10% on your policy.
  • Setting a high deductible. When you set a higher deductible, you take on more financial risk. This will lower your rates. Only do this if you can afford to pay the deductible in the event of a disaster.
  • Protective device credit. Installing an ADT home security system will get you a discount.
  • Claims-free discount. Going five or more years without a homeowners insurance claim can get you a discount of up to 10%.

Extra Homeowners Coverage Options

A standard homeowners insurance policy covers a lot. But there will still be gaps in your coverage, such as protection from floods. USAA offers additional coverages to protect your home from other types of disasters. Below are USAA’s extra coverage options:

  • Umbrella insurance. This adds extra liability insurance to protect you from expensive claims that could go over your limits.
  • Computer coverage. Covers computers and tablets from accidental drops and spills. This coverage comes with a $250 deductible.
  • Valuable personal property (VPP). Raises coverage limits for specific valuable items, such as jewelry, art, or guns.
  • Cell phone coverage. USAA and ProtectCELL protect your phone if you lose it or if it accidentally gets destroyed.
  • Flood insurance. USAA offers flood insurance to cover water damage. This is a good idea if your house is at risk of heavy rain or floods.
  • Windstorm insurance. Some high-risk states, like Florida, don’t cover windstorms. You can add this to your policy to protect against severe windstorms.

USAA Homeowners Rate Factors

Your homeowners insurance rates depend on several factors. These factors are details about you that tell USAA how much money you could cost them as a customer. Below are common homeowners rate factors:

  • Where you live
  • Home value
  • How high or low your deductible is
  • How much coverage you buy
  • Claims record
  • Credit history

Filing a Homeowners Insurance Claim with USAA

With USAA, you can file a claim on their website, app, or at (800) 531-8722. Whichever method you choose, you’ll need to be able to provide info about the accident or disaster. Filing a homeowners insurance claim with USAA includes these steps:

  • Give USAA a detailed account of what happened
  • They’ll review the loss
  • You’ll receive the appropriate payment
  • The necessary repairs to your home can begin

Key Takeaway

USAA is a solid homeowners insurance option. There are many coverage types to help you protect your home. However, there aren’t many discounts to speak of. And the ones that USAA has aren’t too easy to qualify for. Still, USAA is a good choice because of all its coverage options. They even have computer and cell phone coverage.

USAA Renters Insurance

Tenants can protect their finances with USAA’s renters insurance. J.D. Power gave USAA an 893 out of 1,000 for customer satisfaction in the renters portion of their 2021 home insurance study. USAA wasn’t part of the rankings against other companies. But this number would’ve been the highest among all other insurers.

USAA Renters Coverages

Renters insurance covers your belongings and protects you from liability. USAA’s renters policies do both. Here’s the coverage you can get with USAA:

Liability Protection

This protects you from any injuries or damage that you’re liable or responsible for. For example, if someone slips and falls inside your rental unit, liability protection should cover that.

Personal Property Coverage

With this coverage, your personal belongings will receive protection. If a covered disaster damages them, USAA will help with repairs or replacement.

Earthquake and Flood Coverage

Unlike some insurers, USAA’s renters insurance policies include earthquake and flood insurance.

USAA Renters Discounts

USAA doesn’t offer too many renters insurance discounts. But there are a few that can help you pay less each month. Below are USAA’s renters insurance discounts:

  • Bundling discount. All you need to do is buy both renters and auto insurance from USAA and you can save up to 10%.
  • Home security system. Buying and installing an ADT home security system will get you a discount on your renters insurance policy.
  • Claims-free discount. If you stay free of any renters insurance claims for five years or more, you can get a discount of up to 10%.

Extra Renters Coverage Options

Your renters insurance policy may not be enough to cover everything you care about. That’s why insurers, like USAA, offer extra coverage options, such as endorsements, to fill coverage gaps. These can make sure you have the right amount of protection for your rental unit and your belongings. Below are USAA’s extra coverage options:

  • Electronics coverage. This will cover your computer, phone, and tablet from drops and spills. It comes with a $250 deductible.
  • Valuable property. If you own expensive items, such as jewelry, your regular coverage may not be enough. This will raise coverage limits on those items so that they’re protected.

USAA Renters Rate Factors

When you buy a renters insurance policy, your rates will depend on many factors. These factors help USAA assess your risk as a customer and tenant. Here are common renters insurance rate factors that USAA may consider:

  • Where you live
  • Claims history
  • Credit rating
  • How much coverage you buy
  • How high or low your deductible is

Filing a Renters Insurance Claim with USAA

Filing a renters insurance claim is an easy process with USAA. You can do so on their mobile application, website, or by calling (800) 531-8722. Once you begin filing your claim, the process will go like this:

  • You tell USAA what the damages are and how they happened
  • USAA will review your claim and assess the extent of the damages
  • You’ll receive payment so that you can repair or replace your items

Key Takeaway

USAA is a good option for renters insurance. They offer the basic coverage options that you would need. You can also get flood and earthquake insurance at no extra cost. There aren’t many discounts to help you lower your rates, though. Filing a claim is easy as well. Besides their lack of discounts, USAA is a safe choice for renters insurance.

USAA Company Information

USAA owned 3.17% of the property/casualty insurance industry in 2021, per a report from the National Association of Insurance Commissioners (NAIC). In that same year, the insurer wrote more than 25 billion premiums.

Below are some more facts about USAA:

  • Revenue: $37.470 billion
  • Net worth: $40.1 billion
  • Number of employees: about 37,000
  • CEO: Wayne Peacock
  • Headquarters: San Antonio, TX

History

The United States Army Automobile Association was founded in 1922 by 25 Army officers as an auto insurer. In 1924, the company changed its name to the United Services Automobile Association when it began serving officers of other military branches. This is still the official company name today. However, most people know it simply as USAA.

USAA employs a direct marketing business model. This means that it primarily does business via direct methods such as mail or phone. Until the 1960s, USAA did most of its business by mail. As of now, it mainly operates on the internet and over the phone. USAA also uses employees rather than agents, which sets it apart from other companies.

USAA is well-known for its low rates, high-quality customer service, and its range of products. Today, it offers various insurance products, banking and investment services, and is a major name in the insurance industry.

Customer Satisfaction

Based on its excellent ratings from several sources, it’s clear that USAA prioritizes a high level of customer satisfaction.

The following are up-to-date customer satisfaction ratings for USAA:

USAA also scores highly on J.D. Power’s annual auto, homeowners, and renters insurance shopping studies. J.D. Power rates companies on a scale of 1,000 points. It divides the auto insurance study into four of the largest states and seven regions. The homeowners and renters insurance studies show customer service ratings for the entire country.

Likely because of its military exclusivity, USAA didn’t meet the criteria to be in J.D. Power’s auto, home, and renters studies. Despite this, J.D. Power provides customer satisfaction scores for USAA. Overall, USAA’s scores were well above average and usually surpassed the top companies on each list.

Below are USAA’s J.D. Power customer satisfaction scores for auto, home, and renters insurance:

  • Auto: 881 (average across each state and region)
  • Homeowners: 882
  • Renters: 893

Types of Insurance USAA Offers

Vehicle Insurance

USAA offers several vehicle insurance options. These include:

  • Auto
  • Motorcycle
  • ATV
  • Motorhome and RV
  • Classic and collector car
  • Boat
  • Personal watercraft
  • Aviation

Property Insurance

USAA also provides coverage options for just about any type of property you can think of, including:

  • Homeowners
  • Renters
  • Condo
  • Landlord
  • Valuable personal property
  • Flood
  • Mobile home
  • Farm and ranch
  • Collectibles
  • Cell phone protection

These aren’t the only types of insurance you can get with USAA. You can also get life, health, pet, and dental insurance, to name a few.

Claims Process

USAA makes it easy for customers to file a claim. You can do it either online, with the USAA Mobile App, or over the phone.

The USAA claims process is generally the same for auto, home, and renters insurance. This is what to expect when you file an auto or property claim with USAA:

  • You’ll need to provide an account of what happened
  • You must upload applicable photos and/or documents of the damage
  • It’ll take about ten minutes
  • You may need to find a repair shop or get a rental car (for auto claims)

If USAA accepts your claim, you’ll be on your way to getting your home or car the repairs it needs.

These are some useful links if you need to file a claim with USAA:

USAA claims hotline: (800) 531-8722

Cancellation Process

How to cancel USAA insurance: Call their customer service number (located down below) or log in to your account on their website.

Mobile Apps

The USAA Mobile App lets you access your insurance all in one place. Downloading it allows you to:

  • Talk to an in-app assistant that answers general insurance questions
  • Chat with a USAA representative
  • Pay bills or transfer funds
  • Access digital insurance ID cards
  • Request roadside assistance
  • File and track claims
  • View an accident checklist, so you don’t miss anything after a car wreck

Download links:

USAA SafePilot

USAA’s SafePilot program gives you a way to save up to 30% on your car insurance. To use it, you must enroll in the program and download the SafePilot app. After that, it’ll automatically log your drives and give you a score based on your driving habits. This may include things like starts, stops, braking, speeds, and more. You’ll receive a safe driving discount if you consistently drive well.

Download links:

Contact Information

Mailing address:

USAA

9800 Fredericksburg Rd.

San Antonio, TX 78288

Phone number:

(800) 531-8722

Customer resources:

24/7 roadside assistance hotline:

(800) 531-8555

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