USAA Car Insurance: Everything You Need to Know

Are you looking for a reliable car insurance provider? Look no further than USAA. With over 13 million members, USAA is one of the most trusted insurance companies in the United States, offering an array of insurance products ranging from auto, home, and life insurance, to banking and investment services.

What is USAA Car Insurance?

USAA car insurance is designed to protect you and your vehicle in the event of an accident, theft, or other unexpected situations. With USAA, you can choose from a variety of coverage options to fit your individual needs. Some of the benefits of USAA car insurance include:

  • 24/7 roadside assistance
  • Accident forgiveness
  • New car replacement
  • Rental car coverage
  • Towing and labor coverage

Before purchasing car insurance from USAA, it’s important to understand how it works, what types of coverage are available, and how to get the most out of your policy.

How Does USAA Car Insurance Work?

USAA car insurance works by providing coverage for you and your vehicle in the event of an accident or other covered event. When you purchase a policy from USAA, you’ll choose the type of coverage that best fits your needs and budget, and pay a monthly premium to maintain your coverage.

If you’re involved in an accident or other covered event, you’ll file a claim with USAA. USAA will then work with you to provide the necessary repairs or compensation, up to your policy limits.

What Types of Coverage Does USAA Car Insurance Offer?

USAA car insurance offers several different types of coverage, including:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Personal injury protection (PIP)

Liability Coverage

Liability coverage is required by law in most states, and covers damages or injuries that you’re legally responsible for in an accident. USAA offers both bodily injury liability and property damage liability coverage.

Collision Coverage

Collision coverage covers damages to your vehicle in the event of an accident, regardless of who is at fault. This type of coverage is typically optional, but may be required if you’re financing or leasing your vehicle.

Comprehensive Coverage

Comprehensive coverage covers damages to your vehicle that aren’t caused by an accident, such as theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage provides protection if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.

Personal Injury Protection (PIP)

Personal injury protection (PIP) provides coverage for medical expenses and lost wages if you’re injured in an accident, regardless of who is at fault.

How to Save Money on USAA Car Insurance

USAA car insurance offers several ways to save money on your policy. Here are a few tips:

  • Bundle your insurance policies
  • Take advantage of discounts for safe driving, good grades, military service, and more
  • Choose a higher deductible
  • Pay your premium in full upfront
  • Drive a vehicle with safety features like anti-lock brakes and airbags

By taking advantage of these savings opportunities, you can get the coverage you need at a price you can afford.


What is USAA and who is eligible for membership?

USAA is a financial services company that provides insurance, banking, and investment products to members of the U.S. military and their families. To be eligible for membership, you must be an active or retired member of the military or a family member of an active or retired member of the military.

What types of vehicles does USAA insure?

USAA insures a variety of vehicles, including cars, trucks, motorcycles, boats, and RVs.

How do I file a claim with USAA?

To file a claim with USAA, you can do so online, through the USAA mobile app, or by calling the claims hotline at 1-800-531-8722.

Does USAA offer roadside assistance?

Yes, USAA offers 24/7 roadside assistance to its members as part of its auto insurance coverage.

Can I add additional drivers to my USAA policy?

Yes, you can add additional drivers to your USAA policy. However, the cost of your policy may increase depending on the driving history and other factors of the additional driver.


If you’re in the market for car insurance, USAA is a great option to consider. With its wide range of coverage options, competitive prices, and excellent customer service, USAA is a top choice for many drivers. Whether you’re a member of the military or not, USAA has a policy that can meet your needs and protect you on the road.