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Drive less and save more with USAA SafePilot Miles™.

Get up to 20% off your premium for driving fewer miles and up to 20% for safe driving when your policy renews.‍ ‍

Restrictions apply. This program is only available in .

The USAA SafePilot Miles program is available in all U.S. locations except California, Maryland, Michigan, New Jersey, New York, North Carolina and Pennsylvania.

The USAA SafePilot Miles program isn't available in U.S. territories or internationally.

Enroll your auto policy

Get an auto quote

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Drive less and save more with USAA SafePilot Miles™.

Get up to 20% off your premium for driving fewer miles and up to 20% for safe driving when your policy renews.‍ ‍

Restrictions apply. This program is only available in .

The USAA SafePilot Miles program is available in all U.S. locations except California, Maryland, Michigan, New Jersey, New York, North Carolina and Pennsylvania.

The USAA SafePilot Miles program isn't available in U.S. territories or internationally.

Enroll your auto policy

Get an auto quote

What’s USAA SafePilot Miles?

It’s a safe driving program that offers a savings off your USAA Auto Insurance. Your monthly bill is based on how many miles you drive — the less you drive, the more potential savings.

When your policy renews, you can get an additional safe driving discount for good driving habits like avoiding phone usage and harsh braking.

It uses our safe driving app USAA DriveSafe™, GPS, and other sensors to automatically log your miles and learn your driving habits.

After it collects enough data, it gives you a driving score to tell you how you’re doing.

How much can you save with USAA SafePilot Miles?

Get up to 20% off your premium for driving less. You can also earn up to an additional 20% at renewal for safe driving. 

Who’s it good for?

USAA SafePilot Miles may be a good fit if you:

  • Drive 8,000 miles or less a year.
  • Feel comfortable with a bill that varies month to month.
  • Don’t mind sharing your driving data with us.
  • Have a smartphone with a flexible data plan.
  • Can make sure everyone on your policy participates. 

USAA SafePilot Miles could help you save while you serve.

If you’re active duty living on base and don’t drive too often, USAA SafePilot Miles could be a great option to help lower your expenses. It could also help you if you’re about to deploy.

Benefits of our safe driving app

Automatic trip data

The motion and activity sensor in your phone will automatically record if you’re driving or are the passenger. You can edit your trip data if it’s incorrect.

Driving insights and trends

Track your driving habits — like how much you drive, phone usage while driving and harsh braking. You’ll get tips on how to improve.

Crash assistance

If the system detects you may have been in an accident, we’ll check if you're OK and help you with next steps.

Quicker claims process

If you choose to file a claim after an accident, your driving data could help move along the claims process.

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How it works

You need a USAA Auto Insurance policy to participate. Here’s how to get started with the USAA Drivesafe app.

Steps to complete How it works

  1. Enroll

    Everyone on your policy must participate. During enrollment, we’ll text you a link to download the USAA DriveSafe App.

  2. Download USAA DriveSafe

    Using the link we send, download the app. You can also get it in your iOS App Store (Opens in new window) or Android Play Store (Opens in new window). We’ll guide you through setting it up so you can use the USAA Drivesafe app.

  3. Drive

    Use the app to learn how well you’re doing. We’ll log your trips and give you a driving score and potential discount.

Enroll your auto policy

Get an auto quote

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How it works

You need a USAA Auto Insurance policy to participate. Here’s how to get started with the USAA Drivesafe app.

Steps to complete How it works

  1. Enroll

    Everyone on your policy must participate. During enrollment, we’ll text you a link to download the USAA DriveSafe App.

  2. Download USAA DriveSafe

    Using the link we send, download the app. You can also get it in your iOS App Store (Opens in new window) or Android Play Store (Opens in new window). We’ll guide you through setting it up so you can use the USAA Drivesafe app.

  3. Drive

    Use the app to learn how well you’re doing. We’ll log your trips and give you a driving score and potential discount.

Enroll your auto policy

Get an auto quote

Tips to save the most with USAA SafePilot Miles

Drive less

The fewer miles you drive per month, the less you pay.

Limit harsh braking

Slow down earlier and over a longer distance.

Use hands-free calling

Use your phone’s speaker or Bluetooth® or put your phone on do-not-disturb mode.

Reduce phone handling

Secure your phone and limit touching the screen.

How’s USAA SafePilot Miles different from the USAA SafePilot® program?

Unlike USAA SafePilot Miles, the USAA SafePilot program gives you up to a 15%‍ ‍ discount up front, just for enrolling, available in . There’s no limit to the amount of miles you can drive to participate.

And you can earn up to 30%‍ ‍ off your premium at renewal based on how safe you drive with the USAA SafePilot program. The better you drive, the bigger the discount you can earn.

Locations

The USAA SafePilot 15% enrollment discount is available in all U.S. locations except AZ, DC, HI, ND, NH, NY, SD, VT, WV and WY. Additional restrictions apply for Massachusetts Unregistered policies.

The USAA SafePilot program isn't available in California, U.S. territories or internationally.

USAA SafePilot Miles FAQ

We use your driving data to calculate your mileage and driving score.

We may also use it when you file a claim after an accident.

We take your privacy seriously and won’t share your driving data with other companies. For more details, read the USAA Safe Driving Program Terms and Conditions.

USAA SafePilot Miles offers a fixed rate for insurance and a monthly mileage adjustment on your bill based on how much you drive. You’ll find an update on your monthly statement based on the miles driven the previous month.

Yes. New drivers have a one-time 14-day learning period. The learning period gives you a chance to learn how the app works, and it can get to know your driving behaviors, before trips are considered towards your score.

More safe driving program resources

Drive safe, pay less: Benefits of usage-based car insurance

Article: 5 minutes

Read article: Drive safe, pay less: Benefits of usage-based car insurance

Behavior versus usage-based car insurance

Article: 4 minutes

Read article Behavior versus usage-based car insurance

How can a safe driving app save you money?

Article: 6 minutes

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

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Driving less means paying less with USAA SafePilot Miles.

Enroll your auto policy

Get an auto quote

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Driving less means paying less with USAA SafePilot Miles.

Enroll your auto policy

Get an auto quote

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. New or renewal policies underwritten in United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company and Garrison Property and Casualty Insurance Company may see savings off premium at renewal and receive initial participation discount when enrolled in either USAA SafePilot® or USAA SafePilot Miles® program. Must be enrolled in a safe driving program to receive discounts and/or mileage based rates. Earned driving discount is offered at renewal and is based on driving behavior of all rated drivers on the policy. USAA SafePilot initial participation discount is applicable to your initial enrollment, not to exceed 365 days, and expires at first renewal in which the driving discount is applied. Discount will vary by program selected and may vary by state. Discounts subject to change over life of the policy.

    New or renewal policies underwritten by any other USAA affiliate not named in paragraph above and which are enrolled in one of the safe driving programs, USAA SafePilot® or USAA SafePilot Miles®, on or after October 2026 may see savings off renewal premium or may be subject to an increase at renewal based on a personalized safe driving adjustment that may be earned by each participant. Participation is voluntary. USAA SafePilot initial participation discount is only applicable to initial enrollment not to exceed 365 days or until a personalized safe driving adjustment is earned. USAA SafePilot Miles may provide savings when driving less. Policies remaining consistently enrolled term to term in either program may receive a discount at new business and renewal. When a member is unenrolled from either program after earning a qualified driving score, a prior performance factor may be applied and may result in an increase or decrease to subsequent policy terms for that member, regardless of enrollment. Terms, savings, increases and discounts may vary by location.

    USAA SafePilot and USAA SafePilot Miles are optional programs that are available with an active USAA auto insurance policy. USAA SafePilot Miles is best for those comfortable with a monthly bill that varies and for those who drive less than 8,000 miles per year. Both programs only available in select states. Program availability and state restrictions apply. Smartphone, data plan, download of the USAA DriveSafe® app and multifactor authentication required. Programs are subject to change.

Related footnotes:

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

  2. Auto Insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, USAA County Mutual Insurance Company, USAA Falcon Property & Casualty Insurance Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

    Learn about USAA's use of Artificial Intelligence.

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