What factors affect your auto premium?

Several things affect how much you'll pay for car insurance. Here are some of the factors we use to calculate auto rates.

  • Your Policy Limits

    In general, the higher you set your coverage limits, the higher your premium will be.

  • How You Use Your Vehicle

    Your premium could change if you use your vehicle for business such as deliveries or rideshare.

  • Your Deductibles

    If you set a lower deductible, you may pay a higher premium.

  • What You Drive

    Having an expensive car may affect your premium, since it may cost more to repair.

  • Your Driving History

    Having tickets in your recent history may also affect your premium.

  • How Much You Drive

    If you drive a lot each year, it could affect your premium.

Ways to save on car insurance

Regardless of what you drive, we offer many ways to save. Here are just a few.

  • USAA SafePilotSee note®

    Earn a discount off your premium with USAA SafePilotSee note®, our app-based safe driving program.See note1 The better you drive, the bigger the discount you may earn.

  • Bundle Auto and Property Policies

    Save up to 10% when you package your auto policy with homeowners or renters insurance.See note2

  • Good Student Discount

    Get a discount if your full-time student driver maintains good grades.See note3

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722)(that's 800-531-8722).