USAA Review
The Gold Standard for Military Families
The Verdict
If you qualify for USAA, stop reading and sign up. It is widely considered the best insurance company in the country, period. Their customer satisfaction scores are consistently off the charts, and their premiums are often lower than competitors because they only insure a lower-risk verified pool of military members and their families.
Pros
- Unbeatable customer service reputation
- Excellent banking/insurance integration
- Dividends returned to members (Subscribers' Account)
- Specific coverage for deployed military
Cons
- Strict Membership Requirements (Military/Family Only)
- Fewer physical office locations than State Farm
Eligibility
USAA is not a public company; it's a member-owned exchange. You can join if you are:
- Active Duty, Guard, or Reserve: US Army, Navy, Air Force, Marines, Space Force, Coast Guard.
- Veterans: With an Honorable discharge.
- Family: Spouses and children of USAA members.
Unique Benefits
USAA understands the military lifestyle better than anyone:
- Storage Discount: Up to 60% off if you store your car while deployed.
- On-Base Coverage: 15% discount for garaging your car on a military base.
- Uniform Protection: Covers uniform replacement costs if damaged in an accident.