USAA SafePilot® driving scores and discounts

After you enroll in the USAA SafePilot program, we’ll apply a participation discount of up to 15% to your auto insurance policy.

If you’re new to the program, you must have driven at least 325 miles and 16 hours before your first score and discount will show in the app.

We’ll apply the earned discount from qualified drivers to your policy’s next term at renewal and remove their participation discount. You can find the policy term’s effective date in the USAA DriveSafe App on the Policy Discount tab.

No. Your driving score won’t have any negative impact on your auto insurance rate. We’ll only use it to calculate your discount.

Your rate could change based on other things not related to your participation in USAA SafePilot.

It could be. Your discount depends on 2 factors:

1. The number of eligible drivers on your policy who are enrolled in the USAA SafePilot program. If eligible drivers aren’t enrolled, your participation discount will reflect that.
   
2. The scores of the drivers enrolled in the SafePilot program. If you add an eligible driver, we’ll factor their driving score into the overall score.

Participation discount:

• You can get a discount just by enrolling and participating in the program.
• If everyone on your policy joins, you get the full discount.
• If some drivers don’t join, the discount is less.
• This discount lasts for 365 days or until we gather enough info to calculate your earned discount, whichever comes first. 

Earned discount: 

• With the USAA SafePilot program, you can earn up to a 30% total policy discount at renewal.
• A few weeks before your policy renews, we lock your score to calculate the earned discount for the next policy period.
• We start this process early to meet state requirements.
• To get the largest possible earned discount, each participating driver needs to have driven at least 325 miles and 16 hours by the score lock date.

If you don’t meet the minimum driving requirements for the earned discount but haven’t been in the program for 365 days, you still get the participation discount.