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Save with our safe driving program USAA SafePilot®.

Get up to 30%‍ ‍ off your USAA Auto Insurance renewal premium. Go to your auto policy summary to enroll.

Restrictions apply. This program is only available in .

The USAA SafePilot program is available in all U.S. locations except California. Additional restrictions apply for Massachusetts Unregistered policies.

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

Enroll your auto policy

Get an auto quote

Save with our safe driving program USAA SafePilot®.

Get up to 30%‍ ‍ off your USAA Auto Insurance renewal premium. Go to your auto policy summary to enroll.

Restrictions apply. This program is only available in .

The USAA SafePilot program is available in all U.S. locations except California. Additional restrictions apply for Massachusetts Unregistered policies.

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

Enroll your auto policy

Get an auto quote

What's USAA SafePilot?

It’s a telematics program that rewards you for safe driving with a discount on your USAA Auto Insurance.

It uses a smartphone app and other sensors to automatically log your trips and learn driving habits like phone usage and braking. Then it gives you a driving score so you can see how you did.

How much is the USAA SafePilot discount?

Get up to 15% off your premium today just for enrolling, available in . Then practice good driving habits and earn up to 30% off each time your policy renews. The better you drive, the bigger your discount.

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.

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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

Keep track of 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 app 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 and get up to 10% off right away.

    Get a discount on your USAA car insurance premium just for signing up. 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 a new window) or Android Play Store(Opens in a new window). We’ll walk you through setting it up so you can use the USAA Drivesafe app.

  3. Start driving.

    Use the app to see 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

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 and get up to 10% off right away.

    Get a discount on your USAA car insurance premium just for signing up. 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 a new window) or Android Play Store(Opens in a new window). We’ll walk you through setting it up so you can use the USAA Drivesafe app.

  3. Start driving.

    Use the app to see 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

Reduce phone handling

Secure your phone and limit touching the screen.

Minimize phone calls

If you can, wait until after your drive to make or answer calls. Even hands-free calling can affect your driving.

Limit harsh braking

Slow down earlier and over a longer distance.

Enroll all eligible drivers

You’re eligible for the most savings when you enroll all the drivers on your policy.

How is USAA SafePilot different from the USAA SafePilot Miles™ program?

If you don’t drive often, you can save with USAA SafePilot Miles. You get a monthly rate that varies based on how many miles you drive. If you drive less, you save more.

Everyone on the policy must participate in the program. You could get up to 20% savings for lower mileage and an earned driving discount of up to 20% off your premium for driving safely.‍ ‍

USAA SafePilot program FAQ

To find out if you're enrolled in USAA SafePilot, go to your auto policy summary. If you're not, you can opt in there. You can also add or remove participants.

You need to have a USAA Auto Insurance policy to participate. If you plan to get a new USAA policy, you can enroll in USAA SafePilot at the same time.

We use your USAA SafePilot driving data to calculate your driving score and potential discount.

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.

No. We use it to calculate your discount.

There are other things not related to your participation in USAA SafePilot that could cause your rate to change.

View all USAA SafePilot FAQ 

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Get rewarded for being a safe driver.

Enroll your auto policy

Get an auto quote 

Get rewarded for being a safe driver.

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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