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USAA General Indemnity Company: Customer Ratings & Reviews [2024]

Embark on a journey with USAA General Indemnity Company, dedicated to empowering military members and their families through comprehensive insurance solutions.

UPDATED: Apr 23, 2024Fact Checked

Written by:

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Full Bio →
Written by Ty Stewart

Licensed Insurance Agent

Reviewed by:

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Full Bio →
Reviewed by Jimmy McMillan

Licensed Insurance Agent

UPDATED: Apr 23, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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UPDATED: Apr 23, 2024Fact Checked
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USAA General Indemnity Company

Average Monthly Rate For Good Drivers

$90

A.M. Best Rating:

A++

Complaint Level:

Low

Pros

  • Excellent customer service
  • Competitive pricing
  • Discounts for safe drivers and military members
  • Wide range of insurance products
  • Available in all 50 states

Cons

  • Limited eligibility to military members, veterans, and their families
  • Some customers have reported issues with communication and billing
When it comes to protecting the things that matter most in life, having a reliable insurance company is crucial. USAA General Indemnity Company is one such company that has been providing insurance services for over a century. With a wide range of insurance products and excellent customer service, USAA is a top choice for many consumers. In this article, we will explore the history and mission of USAA, their main products and services, the discounts available to customers, customer reviews, and more. Whether you're looking for auto, home, or life insurance, USAA General Indemnity Company has got you covered.

The USAA General Indemnity Company is a well-established insurance provider with a history of serving military members, veterans, and their families. With an A++ rating from A.M. Best, USAA offers a range of insurance products, including auto, home, renters, and life insurance, at competitive prices.

The company provides discounts for safe drivers and military members, and its excellent customer service has received praise from customers. However, eligibility for USAA insurance is limited, and some customers have reported communication and billing issues. Overall, USAA is a reliable option for those who qualify and are seeking comprehensive insurance coverage.

Read More: Top Auto Insurance Providers

Read more: Top Auto Insurance Providers for Veterans

What You Should Know About USAA

Company Contact Information:

  • Website: www.usaa.com
  • Phone: 1-800-531-8722
  • Mailing Address: USAA, 9800 Fredericksburg Road, San Antonio, TX 78288

Related Parent or Child Companies:

  • USAA is a mutual company, which means it is owned by its policyholders and does not have any parent or child companies.

Financial Ratings:

  • A.M. Best Rating: A++
  • S&P Global Rating: AA+
  • Moody’s Rating: Aaa

Customer Service Ratings:

  • J.D. Power 2020 U.S. Auto Claims Satisfaction Study: 890 out of 1,000 (above industry average)
  • Better Business Bureau Rating: A+

Claims Information:

  • USAA offers 24/7 claims reporting by phone and online.
  • Claims can be tracked online or through the company’s mobile app.
  • USAA has a satisfaction guarantee for its claims service and offers a total loss protection program.

Company Apps:

  • USAA offers a mobile app for iOS and Android devices.
  • The app allows customers to manage their policies, pay bills, report and track claims, and access roadside assistance.

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USAA Insurance Coverage Options

USAA General Indemnity Company offers a range of insurance products to its eligible customers, including:

  • Auto Insurance: USAA offers comprehensive, collision, liability, and uninsured/underinsured motorist coverage for cars, trucks, and motorcycles.
  • Homeowners Insurance: USAA offers coverage for homeowners, renters, and landlords, including protection for damage to the home, personal property, and liability.
  • Life Insurance: USAA offers term life, whole life, and universal life insurance options.
  • Umbrella Insurance: USAA offers additional liability coverage beyond the limits of customers’ primary insurance policies.
  • Health Insurance: USAA offers a variety of health insurance options, including short-term health plans, dental and vision insurance, and Medicare supplement plans.
  • Business Insurance: USAA offers coverage for small businesses, including liability, property, and workers’ compensation insurance.

USAA’s comprehensive coverage options allow eligible customers to protect themselves, their families, and their assets against unexpected events and accidents.

USAA Insurance Rates Breakdown

Driver ProfileUSAA General Indemnity CompanyNational Average
Clean Record$124$119
1+ Ticket$150$147
1+ Accident$175$173
DUI$210$209
Poor Credit$213$205

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USAA Discounts Available

DiscountUSAA General Indemnity Company
Anti Theft9%
Good Student12%
Low Mileage8%
Paperless11%
Safe Driver10%
Senior Driver7%

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USAA General Indemnity Company offers several discounts to its customers, including:

  • Safe Driver Discount: This discount is available to drivers who maintain a clean driving record for at least five years.
  • Military Discount: USAA offers a discount to active and retired military members and their families.
  • Good Student Discount: This discount is available to students who maintain a B average or higher.
  • Defensive Driving Discount: Customers who complete an approved defensive driving course can receive a discount on their insurance premiums.
  • Multi-Policy Discount: Customers who bundle their auto, home, and/or renters insurance policies with USAA can receive a discount.
  • Loyalty Discount: Customers who have been with USAA for a certain number of years can receive a discount on their premiums.

These discounts can help customers save money on their insurance premiums and are a key factor in USAA’s reputation for providing affordable insurance to military members and their families.

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How USAA Ranks Among Providers

USAA General Indemnity Company’s main competitors in the insurance industry include:

  • Geico: Geico is one of the largest auto insurance companies in the United States and offers a range of insurance products, including home, renters, and life insurance.
  • State Farm: State Farm is the largest auto insurance provider in the United States and offers a variety of insurance products, including home, renters, and life insurance.
  • Allstate: Allstate is a major player in the insurance industry and offers auto, home, renters, and life insurance, as well as other financial products.
  • Progressive: Progressive is one of the largest auto insurance providers in the United States and offers a range of insurance products, including home, renters, and life insurance.
  • Nationwide: Nationwide is a mutual insurance company that offers a variety of insurance products, including auto, home, renters, and life insurance.

These companies are all major players in the insurance industry and compete with USAA for customers across the country. Despite this competition, USAA has established a reputation for providing quality insurance products and exceptional customer service to military members and their families, which sets it apart from its competitors.

Frequently Asked Questions

What insurance products does USAA General Indemnity Company offer to eligible customers?

USAA General Indemnity Company provides a range of insurance products, including auto, home, renters, and life insurance, designed to meet the diverse needs of military members, veterans, and their families.

How does USAA prioritize customer savings through discounts?

USAA offers discounts for safe drivers and military members, ensuring affordability for its eligible customers and contributing to its reputation for providing cost-effective insurance solutions.

What sets USAA apart from its competitors in the insurance industry?

USAA distinguishes itself through a longstanding commitment to exceptional customer service, competitive pricing, and a reputation for quality insurance products tailored specifically for military members and their families.

How does USAA ensure transparency and unbiased information in its content?

USAA emphasizes independence by not being affiliated with any single insurance provider, and its content is not influenced by industry partnerships. This commitment allows customers to make confident insurance decisions based on objective information.

What should customers know about eligibility and potential challenges with USAA insurance?

While USAA is a reliable option for those who qualify, eligibility for its insurance is limited. Additionally, some customers have reported communication and billing issues, highlighting the importance of understanding eligibility criteria and potential challenges before choosing USAA as an insurance provider.

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Written by:

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Full Bio →
Written by Ty Stewart

Licensed Insurance Agent

Reviewed by:

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Full Bio →
Reviewed by Jimmy McMillan

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for USAA

4.71 (6,435 reviews)
1
April 25, 2024

AnTonyC

Active Duty and Veterans Beware!

I am so disappointed in USAA. They offer auto insurance in Hawaii but do not offer Homeowner's insurance. They refer members to American Modern Insurance Group, whose services are substandard. USAA should not refer members to a company that provides substandard services.
1
January 19, 2024

Poteattony

Usaa not so great anymore

These guys dropped me based on my adult daughters driving record even thought my wife and i have a perfect driving record and will not renew or communicate even though both daughters are adults and are moved out of my home! Thanks for looking our for your vets usaa! Ive been a member and have had insurance banking etc with them for 14 yrs but im out now! Theses guys really do not have any loyalty
1
December 21, 2023

ioam

Customer service got bad

I have been a member with USAA for nearly 10 years now. I have received exceptional service in the past, but recently I am very disappointed with their service. My vehicle was deemed a total loss 3 times during my claim/repairs, it has been in repair status for 3 months, I was only reimbursed for 6 days of rental coverage, the adjusters including the manager are unresponsive and communication is unnecessarily drawn out. USAA refused to communicat...
I have been a member with USAA for nearly 10 years now. I have received exceptional service in the past, but recently I am very disappointed with their service. My vehicle was deemed a total loss 3 times during my claim/repairs, it has been in repair status for 3 months, I was only reimbursed for 6 days of rental coverage, the adjusters including the manager are unresponsive and communication is unnecessarily drawn out. USAA refused to communicate with the mechanical shop and the body shop, which made my life very difficult. I was doing their work to ensure the parties are getting paid, that my vehicle is being moved from shop to shop, and I had to frequently call USAA to receive any kind of status update. At one point they actually closed my claim as "resolved" simply because they claimed I was not responding... I was furious about that. They reopened my claim a day later because I was checking emails, the claims communication center and my phone daily. Meanwhile, I signed a new lease when I was informed the first time that my vehicle is totaled, moved out of state and now have to have my vehicle shipped to me. From all USAA employees in the claim process, I feel ignored, misinformed, and not treated as a valued customer. I am writing this review because trying to resolve this matter internally has led to no results and at this point, I do not recommend USAA to potential new members, especially when I am paying $250 monthly to be insured for anything that may come my way...
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4
October 2, 2023

Sandy_H

Unresolved billing issue for months

Wow, after being a USAA member for decades, I can't get them to resolve a billing issue that's ongoing since September 2022. I've made 15+ calls, more than 40 hours if our time, sometimes talking to 2 or 3 representatives per call, supervisors, and EVERY TIME, you have to start over because you can't talk to the same person twice, EVER. No one can help, Supervisors don't return calls if you're lucky enough to reach one after 45 minutes on hold, a...
Wow, after being a USAA member for decades, I can't get them to resolve a billing issue that's ongoing since September 2022. I've made 15+ calls, more than 40 hours if our time, sometimes talking to 2 or 3 representatives per call, supervisors, and EVERY TIME, you have to start over because you can't talk to the same person twice, EVER. No one can help, Supervisors don't return calls if you're lucky enough to reach one after 45 minutes on hold, and still, the billing problem persists. Extremely disappointed and you can't send an email or tell anyone. Maybe this public post will provide some relief.
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1
September 26, 2023

davidwells

USAA: Always hire a lawyer

Always hire a lawyer when dealing with USAA. Here are the tactics USAA uses to avoid paying your car claim. 1. Ignore your phone calls and delay for months to wear you down 2.Make you manage their claim department to get things done 3.Each new person shows surprise that no one has called you back and promises to take care of it 4.Tell you that your 2022 claim was on an old system and only a few people can access that system 5.Play a game that the...
Always hire a lawyer when dealing with USAA. Here are the tactics USAA uses to avoid paying your car claim. 1. Ignore your phone calls and delay for months to wear you down 2.Make you manage their claim department to get things done 3.Each new person shows surprise that no one has called you back and promises to take care of it 4.Tell you that your 2022 claim was on an old system and only a few people can access that system 5.Play a game that the market value of a wrecked car is within $500 dollars of an unwrecked car. Go somewhere else.
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1
June 17, 2023

chanelcinq

Completely incompetent

What a complete nightmare.  WORST COMPANY EVER. They are completely incompetent on every single level.  Please look at the reviews.  If you sort by most recent the first three pages ALL are 1 star except one 3 star and two 2 stars.  The rest are all 1 star so it is obvious they have declined.  It took them 5.5 weeks to total my car.  The agents don't call you back and basically, they don't do anything.  Nothing happened unless I called to ...
What a complete nightmare.  WORST COMPANY EVER. They are completely incompetent on every single level.  Please look at the reviews.  If you sort by most recent the first three pages ALL are 1 star except one 3 star and two 2 stars.  The rest are all 1 star so it is obvious they have declined.  It took them 5.5 weeks to total my car.  The agents don't call you back and basically, they don't do anything.  Nothing happened unless I called to move to the next step.  It took a week before they even towed my car from the accident site.  I called every day telling them my car was going to be towed away and they needed to move it.  When they towed it they towed it about 45 minutes away and across a bridge.  I am in a very populous place in San [REDACTED NAME] between San [REDACTED NAME] and San [REDACTED NAME] yet they towed my car to the East Bay.  Then it sat for 1.5 weeks.  I called again to ask what is going on and why there has been no appraisal after 2.5 weeks.   Once I called them, then I received a call back in 25 minutes the appraisal was done.  I asked the agent how he did it so fast and he said from photos.  Give me a break.  It was obviously NOT correct.  Then the car needed to be towed from this facility in the East Bay to my auto body shop.  I was told on a Wednesday that the paperwork to get the car out takes 72 hours and that takes it to Sat and it was Memorial weekend so the car would not arrive until the Tuesday after labor day.  Well, it actually arrived Wednesday the 7th of June.  So absurd.  The auto body shop did the estimate on Friday of that same week and we were in contact this past Monday.  They sent the estimate to USAA on Monday and today, Friday, I get a TEXT that the case is closed and my car is totaled.  And of course, my adjusted didn't answer her phone or call back.   I think they make money from totaling out the car. They told me I would get 17,194.00 if the car is totaled. The estimate from the auto body shop was for 13,506 and they still totaled it. I told USAA that the shop will work with me. USAA said if you decide to do a salvage you only get about 7,000. They said they sell my car for parts and if they cannot sell it, For example in the case of a salvage, they don't make any money so that is why the payout is less. All of it seems so shady. Why would there be a 10,000 difference? Things just do not add up. You have been forewarned to steer clear of this nightmare of a company.
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1
May 31, 2023

HB23

Incompetent company

This is the most incompetent insurance company I’ve ever dealt with. My car was hit by one of their members and is still not fixed nearly 3 months later. Their excuse is that they don’t have their members statement. If they’re handling getting their members statement like they did mine then I’m not surprised. They made ZERO effort to get my statement, didn’t reach out once. The only reason they have my statement is because I called over...
This is the most incompetent insurance company I’ve ever dealt with. My car was hit by one of their members and is still not fixed nearly 3 months later. Their excuse is that they don’t have their members statement. If they’re handling getting their members statement like they did mine then I’m not surprised. They made ZERO effort to get my statement, didn’t reach out once. The only reason they have my statement is because I called over and over and over leaving multiple messages, that were never responded to. I finally got through to a person after many tries and gave them my statement even though they weren’t the person that was in charge of this claim. I would caution anyone against using USAA for their insurance seeing as how they clearly have no intention of paying out for a claim.
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1
May 25, 2023

JonB36

USAA's exemplary service legacy has hit rock bottom.

USAA’s auto repair service has hit rock bottom. Unfortunately, I’m just one of many experiencing it: but I think I have uncovered a reason why. Once listed in “Consumers Reports” as the best all-around auto insurance provider, a year or so ago USAA made a decision which has led to long repair delays and absolute frustration for us their customers/members. And to top it off, USAA doesn’t seem concerned. If you don’t believe me, jus...
USAA’s auto repair service has hit rock bottom. Unfortunately, I’m just one of many experiencing it: but I think I have uncovered a reason why. Once listed in “Consumers Reports” as the best all-around auto insurance provider, a year or so ago USAA made a decision which has led to long repair delays and absolute frustration for us their customers/members. And to top it off, USAA doesn’t seem concerned. If you don’t believe me, just try to get someone from their claims department to answer or return your telephone calls when you need them to!! From my own recent auto repair experience and what I have been able to learn from other sources, USAA has replaced a large number of its in-house claims adjusters with a third-party firm called (I believe) "Snapsheet" to take over their claims adjusting process. Now, all auto repair estimates go directly from the repair facilities to this outsider company ...not to USAA...which reviews them, deals (negotiates) directly with the shops and then sends a “revalued version” to USAA. Only then will USAA issue a check and the go-ahead to start repairs. USAA now will do nothing until in receipt of Snapsheet’s, “approved” total. Time is no longer a consideration and there seems to be no limit to the number of times the shop has to revise its’ estimate in order to obtain Snapsheets’ approval. (In my case it has been four times so far.) According to a shop foreman I talked with who had been offered a job with them, Snapsheets employees do not have to be experienced adjusters; aren’t required to visit the facility or to examine the vehicle in question; and can form their estimates working from home if they wish. And Snapsheet is also free to “bargain” directly with repair facilities without USAA input. According to him the recruiter old him up front that Snapsheet is being hired to save USAA money, and that is of paramount importance. So, where does all this leave us, members and customers when everything comes to an impasse? Essentially, in limbo. We can’t talk to anyone at Snapsheet, and hardly any USAA adjusters answers or returns calls, even though their answering machine states their aim is to return calls within 4 hours. That claim should be erased!! Customer care????? Judging from numerous negative remarks I’m not alone. In my own case I haven't received any return calls and the repair shop has had their estimate returned four times now with a warning that if they do not concede to reduce their estimates to Snapsheets’ satisfaction they (Snapsheet) will not forward it on to USAA. In the meantime, my car sits there, broken and USAA seems oblivious or uninterested in intervening to get this impasse resolved. They won't even talk to the repair facility to sort things out! That's how poor their customer service has become! USAA’s recent ad campaign claiming to have the interests of veterans, service members and their families at heart...is something of a sad joke. But as a veteran and a long time member…. I’m not laughing!! Someone should remind USAA's leadership of the age-old business rule..."poor service leads to lost customers". At this writing, nothing has been resolved. The shop is thinking of throwing my car out of their lot. I'm totally frustrated and disappointed. For many years I have relied on USAA, but they are just not the same company today. Now its "buyer Beware!!" That's my 2 cents !!! JonB
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1
May 4, 2023

Cvinny10_

Do NOT get this insurance

Worst experience. I got hit by someone with this insurance and it took them 7 weeks to total my car. We came upon an agreement for the amount I would be paid so I signed the title over and a week later they said they could no longer pay that amount. Please do yourself and the rest of us Americans a favor and do NOT get this insurance
1
February 25, 2023

CGN_Demandante

Damaged Rental Van Payoff

I returned a perfectly good rental van to Budget Rental during the summer, but they damaged it sometime afterwards. It was not even a small damage: there were dents all along the driver side door, the sliding door panel, and the trunk door. It was something that would not have been missed, if I returned the van in that condition. However, Budget Rental then filed a claim with USAA in 10/2022, a full 6 months later. It was blatantly fraudulent...
I returned a perfectly good rental van to Budget Rental during the summer, but they damaged it sometime afterwards. It was not even a small damage: there were dents all along the driver side door, the sliding door panel, and the trunk door. It was something that would not have been missed, if I returned the van in that condition. However, Budget Rental then filed a claim with USAA in 10/2022, a full 6 months later. It was blatantly fraudulent. After what I consider useless perfunctory online investigating, USAA just decided to just pay them off, and I am stuck with a higher insurance premium. USAA is a totally different insurance company from when I joined 40 years ago. Pretty disappointing.
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<h3>USAA General Indemnity Company Monthly Auto Insurance Rates</h3>
<h3>USAA General Indemnity Company Monthly Auto Insurance Rates</h3>