How to Lower Your USAA Car Insurance Rate

USAA members and their families are rewarded for their military service with plenty of ways to save on car insurance. Find out how to save here.
Written by Drew Waterstreet
Reviewed by Jessa Claeys
USAA already offers affordable car insurance premiums to active and former military members (and their family members), but there are also plenty of opportunities to customize your USAA auto insurance policy to be even more price-conscious.
Cheap car insurance and outstanding customer satisfaction: that’s what USAA aims to provide military families as a token of gratitude for their sacrifice to our collective safety. Let’s take a look at the many ways USAA is successful in this mission.

How to lower USAA car insurance rates

USAA offers affordable car insurance rates to active military, retired veterans, and separated veterans (discharge type of Honorable or General Under Honorable Conditions). Eligibility can also be extended to the families of the service member.
USAA customers often report high satisfaction levels due to the flexible coverage options and exclusive insurance products that help them save even more money. Here are some ways you can lower your USAA car insurance rate.

Review your car insurance coverage

Conducting an honest insurance review of your coverage limits for the specific vehicle you drive is a great way to identify potential savings opportunities. But before we discuss your options, it’s important to mention that your insurance policy must maintain enough
liability coverage
to meet your
state's minimum car insurance requirements
Now, it's important to consider value when debating optional coverages like
comprehensive insurance
collision insurance
. For example, if your vehicle is only worth a couple of thousand dollars, it may not be wise to spend more on insurance every month to protect it with collision or comprehensive coverage. Running this simple audit is a great way to ensure you’re only paying for the coverage you need.
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Ask about car insurance discounts

Like most auto insurance companies, USAA offers discounts to reduce the cost of your insurance policy. Here are some car insurance discounts that USAA policyholders should ask an agent about:
  • Safe driver: Being accident-free for more than five years is typically rewarded with a
    safe driver discount
  • Storage: USAA members can get up to a 60% discount if their vehicle is in storage while on a military installation.
  • Multi-vehicle: Extending your coverage to two or more vehicles could qualify you for a discount on your total insurance costs.
  • MyUSAA Legacy: You can save up to 10% on your insurance policy if you are a second-generation USAA member.
  • New car: Vehicles that are not more than three years old may qualify for a discount since they have the most up-to-date safety and anti-theft features, which help mitigate a potential insurance claim.
  • Good student: Young drivers (under age 25) could save on car insurance with a good student discount by getting good grades.
  • Defensive driving course: Completing an approved course for defensive driver training shows your commitment to safety, which may be rewarded with a discount.

Increase your deductible

car insurance deductible
is the amount you will have to pay out of pocket for repairs after a claimable car accident before USAA starts providing financial assistance.
Insurance policies with higher deductibles are typically cheaper. This is because USAA can bank on not paying for minor repairs that don’t exceed the deductible amount. As a tradeoff, they are willing to offer you a more affordable premium.

Bundle your car and homeowners insurance

USAA members can get up to 10% off their total bill when bundling their auto with
homeowners insurance
renters insurance

Maintain a clean driving record

USAA offers its cheapest auto insurance rates to good drivers without a history of at-fault accidents and traffic infractions (speeding tickets,
, etc.).
Simply put, your driving record directly reflects your commitment to safety and how well you abide by the rules of the road. Considering auto insurance companies only make money when you don’t file claims, they need to evaluate how much risk they assume by providing you coverage.

Sign up for USAA SafePilot

If you live in an eligible state, you could save up to 30% by using
USAA SafePilot
This mobile app tracks your driving habits and customizes your car insurance rates based on the data collected. As a result, you will earn savings for being a safe driver and keeping your annual mileage to a minimum—both things that reduce motorists’ likelihood of filing an insurance claim.
blew my mind, honestly. From start to finish, using the app took me 10 minutes and I ended up with $100 in savings a month. Best of all, customer service answered all my questions about rental car reimbursement and roadside assistance.” —Savanna R.
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USAA is one of the best car insurance providers on the market for affordability. But USAA rates are only available to active military and retired veterans (and their families).
Here are some factors that USAA considers when determining your car insurance premium: policy limits, deductible amount, type of vehicle, use (regular driving, rideshare, delivery), annual mileage, and driving history.
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