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What you get with our auto policy

Whether you need basic quality coverage or more peace of mind, you can customize your car insurance. And you’ll get service that can help when you need it most.

Safe driving programs

We have two optional driving programs that may reward you for safe driving and low mileage.

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Save with one of our safe driving programs.

When you get a car insurance quote, you’ll have the option to enroll in one of these programs.

USAA SafePilot®

Better driving means bigger discounts.

  • Get up to 10% off when you enroll, and earn up to 30% off your premium‍ ‍ See note 1 at renewal for safe driving
  • Mobile driving app required for participating drivers
Learn more aboutUSAA SafePilot

USAA SafePilot Miles™

Driving less? Save more.

  • Up to 20% savings for lower mileage and an earned driving discount of up to 20% off your premium‍ ‍ See note 1 for driving safely
  • Monthly rate adjusted based on mileage and other factors
  • Mobile driving app required for each driver
Learn more about USAA SafePilot Miles Program

We can help with commercial auto insurance, too.

Have fleet vehicles or a personal car you use for business? We’ve selected leading insurance companies to help meet your needs.

Learn more about commercial auto insurance

Other ways to make your car insurance cheaper

You don’t have to sacrifice quality coverage and service to lower your premium. We can help with auto discounts and savings.

Bundle and save

Save up to 10% when you bundle auto and property policies.‍ ‍ See note 2

Multi-vehicle discount

You’ll save automatically when you have two or more vehicles on a policy.‍ ‍ See note 3

Good student discount

Get a discount on your car insurance if your student driver maintains good grades.‍ ‍ See note 3

Storage discount

Save on your premium if you put your car in storage.‍ ‍ See note 4

Military on-base discount

Save up to 15% on your auto premium when you garage your car on base.‍ ‍ See note 5

Why choose USAA Auto Insurance

Members save

A survey showed that our members saved an average of $840 per year when they switched to USAA Auto Insurance.‍ ‍ See note 6

Claims made easier

The USAA Mobile App makes it easy to file and keep track of your auto claims.

Manage your auto policy 24/7 with the USAA Mobile App.

  • Get auto ID cards and proof of insurance.
  • Add vehicles and drivers.
  • Change your coverage.
  • Pay your bill.
  • Request roadside assistance.‍ ‍ See note 7
  • File and manage claims.
Learn about our app

How coverage can meet your needs‍ ‍ See note 8

Looking for full coverage? You may be surprised that full coverage doesn't exist as an option when buying car insurance.

If a bank or lender refers to it, they usually mean the minimum liability required by your state plus comprehensive and collision coverage for physical damage.

You damage your car in an accident.

If you back into a pole or collide with another vehicle while driving, get the help you need with collision coverage.

Something else damages your car.

Some things are out of your control. If your vehicle gets damaged from an incident like hitting an animal, fire or flooding, get help with comprehensive coverage.

Someone files a claim against you.

If you hit and injure another driver, you could be responsible for their medical bills and property damage. Help protect your assets with liability coverage.

A driver with no insurance hits you.

If a driver damages your car or injures you and can't cover the expenses, you may benefit from having uninsured and underinsured motorist coverage.

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Check auto insurance in your state.

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Need auto coverage overseas?

If you're going to PCS or you've decided to live abroad, overseas insurance could help you protect your car and property.

Learn about overseas insurance

Who’s eligible for USAA Auto Insurance?

  • Active-duty military
  • National Guard and Reservists
  • Veterans who have honorably served
  • Contracted ROTC cadets and midshipmen
  • Officer and warrant officer candidates
  • Spouses and children of USAA members
  • Service academy appointees
Find out if you can join USAA

Car insurance FAQ

There are many factors involved in determining auto insurance rates. How many miles you drive a year, your driving record, and the coverage you choose play a part in how much you’ll pay.

A car insurance deductible is the amount you pay out of pocket for vehicle repairs before your insurance policy kicks in.

Learn how a collision deductible works. If you want protection for damage that isn’t caused by a collision, consider comprehensive coverage. It has its own comprehensive deductible.

Often, you can lower the amount you pay in your monthly or yearly premium by raising your deductible. It's important to note that if you raise your deductible, you should set aside enough money to cover that cost in your emergency fund.

Yes. USAA Auto Insurance covers electric vehicles.

You should add your teen as soon as they get their learner's permit. 

Learn about how we help you and your teen driver.

View all car insurance FAQ

Car insurance resources

Why did my car insurance rate go up?

Article: 6 minutes

Read article: Why did my car insurance rate go up?

Protect yourself with proper insurance coverage

Article: 7 minutes

Read article: Protect yourself with proper insurance coverage

How can a safe driving app save you money?

Article: 6 minutes

Read article: How can a safe driving app save you money

Save on stuff for your car with USAA Perks®.

Whether you're looking for discounts on products you want or services you need, make us your first stop.

Explore USAA Perks

Other vehicle policies

Recreation

  • ATV insurance
  • Aviation insurance
  • Bicycle insurance
  • Boat insurance
  • Motorcycle insurance
  • RV insurance

Auto

  • Classic car insurance
  • Commercial auto insurance

Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. The USAA SafePilot® and USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.

    USAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.

    USAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.

    USAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.

    Review the Program Terms and Conditions (Opens in New Window) for more information.

  2. Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

  3. Discounts may not be available in all locations and are subject to change, other restrictions may apply.

  4. Storage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.

  5. This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.

  6. Potential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.

  7. USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

  8. Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  3. USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.

  4. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

  5. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

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