USAA General Indemnity Company: Customer Ratings & Reviews [2025]

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 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.

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

USAA Discounts Available

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.

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.