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Protection for you and your car

Here’s what your policy can help cover.‍ ‍ See note 1

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.

You or your passengers get hurt in a wreck.

After an accident, medical bills, lost wages and household expenses can add up. Help cover that with personal injury protection.

Someone has medical bills because of an accident.

If you’re injured in car crash, you can help pay for doctors’ bills, surgeries and ambulance rides with medical payments coverage.

Protection for your finances

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.

You need a rental car after an accident.

If your car needs repairs after a covered loss, you can get help paying for a rental with rental reimbursement coverage.‍ ‍ See note 2

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Save on your coverage with one of our driving programs.

Safe driving can help you avoid accidents and qualify you for discounts. You can enroll in one of our programs when you get an auto quote.

USAA SafePilot®

Better driving means bigger discounts.

  • Up to 10% at enrollment and up to 30% off your premium‍ ‍ See note 3 at renewal for driving safely.
  • Mobile driving app required for participating drivers.
Learn more about USAA 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 3 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

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Get more peace of mind with extra coverage.

You can add these to your policy if they fit your needs.

Your car needs replacing.

Get 20% more than your car’s actual cash value if it gets totaled or stolen with car replacement assistance.‍ ‍ See note 4

Learn more about car replacement assistance

You drive for Uber® or Lyft®.

Make sure you’re covered while you wait for a ride request with rideshare gap protection coverage.

Learn more about rideshare gap protection

Your car breaks down.

Get a tow when you have a dead battery or run out of gas with roadside assistance.‍ ‍ See note 5

Learn more about roadside assistance

How much coverage do you need?

You might want more than the minimum amount of coverage.

Comprehensive and collision

If you're making payments on your car, your lender or leasing company might require both of these.

Liability

You’ll need a minimum amount of liability coverage depending on what state you live in.

Uninsured and underinsured

Some states require a form of this coverage. Even if your state doesn’t, it can help protect your finances.

Personal injury protection and medical payments

Only 2 states require medical payments coverage, but more require personal injury protection.

How do car insurance deductibles work?

Your deductible is the out-of-pocket cost you pay before your coverage kicks in. Collision and comprehensive coverage each have separate deductibles, so it’d be based on the type of damage you’re claiming.

Lowering your deductible can increase your premium, while a higher deductible can lower it.

Car insurance coverage FAQ

Full coverage means different things to different people. It's a common term banks or lenders use when referring to the coverage they require for auto insurance.

Having an auto policy with collision, comprehensive and the minimum liability coverage amount required by your state is usually what lenders mean when they say full coverage.

Full coverage isn't an actual policy or coverage option though, and no insurance company has a policy that covers every situation.

If you already have an auto policy with us, you can get car insurance for your teen driver. Just add them as a driver on your current policy.

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

You can also save up to 10% when you bundle auto and property policies.‍ ‍ See note 6

Yes, a USAA auto policy covers electric vehicles. If your EV battery gets damaged in a covered event, we’ll help pay for the battery replacement or repair.

View all car insurance FAQ

Learn more about auto coverage.

How do I set my comprehensive deductible?

Article: 5 to 6 minutes

Read article: How do I set my comprehensive deductible?

Car liability insurance benefits

Article, Video: 5 minutes

Read article: Car liability insurance benefits

How do I set my collision deductible?

Article: 4 minutes

Read article: How do I set my collision deductible

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. 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.

  2. Rental Reimbursement and Transportation Expenses are additional coverages and require additional premium. Restrictions apply.

  3. 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.

  4. Car Replacement Assistance is only available at an additional premium and when both comprehensive and collision coverage are in effect for covered vehicle. Not available for leased or nonowned vehicles. If vehicle is declared a total loss, the claims settlement amount will include an additional 20 percent of the actual cost value of the vehicle. Not available in all states. Restrictions apply.

  5. 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.

  6. 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.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. 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.

  3. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

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