How Much Does USAA Car Insurance Cost?

Choosing the right car insurance provider can feel overwhelming. If you're considering USAA, understanding its pricing structure will help you determine if it's the best fit. However, we recommend gathering quotes from several providers to ensure you're securing the best value when trying to save money on your car insurance.

USAA car insurance pricing per month

Full-coverage car insurance from USAA costs $104 per month on average. Drivers who choose minimum liability-only coverage can expect to pay around $54.

Keep in mind these are average figures. Your individual rate depends on several factors including age, location, credit score, and driving history. While your actual USAA rate may be different, these averages provide a useful benchmark for provider comparisons.

	USAA average monthly cost	National average monthly cost
Full coverage	$104	$186
Liability-only	$54	$104

USAA's rates versus other car insurance providers

Each company uses different methods to evaluate risk and offer discounts, which means pricing varies considerably. Comparing quotes will show you where USAA stands for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$115	$58
Progressive	$182	$106
GEICO	$146	$95
Allstate	$146	$77
USAA	$104	$54

USAA's rates by age

Age plays a significant role in USAA's pricing model, just like it does with most insurers. Car insurance for teen drivers commands the highest premiums, averaging $195 per month for full coverage.

Rates decrease as you enter your 20s, with USAA averaging $136. The downward trend continues through your 30s at $102 and your 40s at $95.

The most favorable rates typically appear for drivers in their 50s and 60s, averaging $88 and $80 per month, respectively.

Once you reach your 70s, expect premiums to climb again to around $82 per month. This pattern demonstrates how insurance companies calculate risk across different life stages.

Age group	USAA average monthly full coverage cost	National average monthly cost
Teens	$195	$360
20s	$136	$243
30s	$102	$199
40s	$95	$191
50s	$88	$177
60s	$80	$159
70s	$82	$163

USAA's rates for high-risk drivers

Traffic violations and accidents on your record typically result in higher car insurance rates with USAA. High-risk drivers with a speeding ticket on their record face monthly costs averaging $135, while an at-fault accident pushes the average to roughly $137.

Drivers with a DUI face the steepest increases, paying approximately $152 per month on average. Keep in mind these are standard rates for high-risk situations, and your actual cost will vary based on when the incident occurred and your overall profile.

Driving record	USAA average monthly full coverage cost	National average monthly cost
Accident	$137	$247
Speeding ticket	$135	$238
DUI	$152	$272

How does your credit score affect your rate with USAA?

Most states allow insurers to consider credit scores when setting rates. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit matters, USAA adjusts pricing according to your credit tier. Excellent credit holders pay around $92 monthly, while good credit results in moderately higher rates near $103.

Monthly premiums for average credit sit around $107, and poor credit typically means paying approximately $123 per month.

These figures show how significantly credit impacts your premium, though your final rate still reflects other individual circumstances.

Credit score	USAA average monthly cost of full coverage	National average monthly cost
Excellent	$92	$164
Good	$103	$179
Average	$107	$194
Poor	$123	$227

FAQs

Who is eligible for USAA car insurance?

USAA car insurance is exclusively available to active-duty military members, veterans, honorably discharged service members, and their eligible family members including spouses and children. If your parent was in the military and has USAA coverage, you could also qualify even if you never served yourself. Coverage extends to state department employees and foreign service officers as well, making USAA's membership broader than many people realize while still maintaining its military-focused mission.

How does USAA's SafePilot program work?

USAA's SafePilot is a smartphone-based telematics program that tracks your driving habits through the DriveSafe mobile app to potentially reduce your premiums. You can earn up to a 10% discount just for enrolling, with the opportunity to save up to 30% upon policy renewal based on safe driving behaviors. The app monitors factors like hard braking, phone usage while driving, and overall mileage, and importantly, your rate will never increase based on SafePilot data; it only calculates potential discounts for safe driving performance.

What happens to my USAA insurance rate if I'm deployed?

Military members who deploy can receive significant savings on their USAA auto insurance, with discounts of up to 60% available when storing a vehicle during deployment. USAA also offers specific benefits for those garaging vehicles on military bases, with potential savings up to 15% on comprehensive coverage. These military-specific discounts reflect USAA's understanding that deployed service members face unique circumstances where their vehicles sit unused for extended periods, making them lower insurance risks during those times.

Can I bundle USAA car insurance with other policies for additional savings?

Yes, USAA offers bundling discounts when you combine your auto insurance with other policies like homeowners, renters, or life insurance, potentially saving up to 10% on your premiums. Since USAA provides a comprehensive suite of insurance and financial services specifically for the military community, bundling multiple policies can lead to substantial savings while keeping all your coverage consolidated with one provider. The company's integrated approach means military families can manage banking, investing, and various insurance products through a single membership relationship.

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Bottom line

Should you choose USAA as your car insurance company? The most effective approach is obtaining quotes from USAA alongside other insurers and evaluating them on both cost and service quality.

Data throughout provided by Insurify.

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