The above quotes are for a 35-year-old female in Austin, Texas who drives a 2023 Honda Civic, has a clean driving record, good credit, and owns her own home.
Is a USAA full-coverage auto insurance policy worth it?
For most eligible drivers (military members and their family members), a full-coverage car insurance policy from USAA is worth it—especially because USAA offers some of the lowest insurance rates available.
It’s nearly always worth buying full-coverage car insurance if:
Your car has a high value
You live in a high-risk area for inclement weather, theft, or collisions
While full coverage isn’t mandated by law, it’s often required by lenders, so you may need it if you’re driving a leased or financed vehicle. And even if you own your vehicle outright, the protection you’ll get from full coverage is usually worth the cost.
FAQs
How much is full coverage with USAA?
A full coverage policy with USAA is generally around $1,649 per year or $137 a month.
Does USAA require full coverage on a financed car?
USAA recommends that drivers get a full coverage policy when they are leasing or financing a car.
Is USAA insurance really worth it?
If you’re a military member or family of someone in the military, USAA is a cheap solution to car insurance. In addition, the company provides excellent customer service and claims process handling. That said, if you’re looking for plenty of discounts and coverage options, USAA may not be the best fit.
How does USAA compare to other companies?
USAA ranks as one of the highest providers for customer satisfaction and overall cost, next to companies like State Farm, American Family, and Nationwide.
What are the benefits of USAA full coverage insurance?
USAA full coverage policies are often cheaper than the competition and offer services such as car replacement services to help you replace your vehicle in the event of a total loss.
Is USAA insurance hard to deal with?
USAA is one of the highest-ranked providers in both a recent Jerry survey and US News report for customer service, making them an easy insurer to work with.
Are USAA rates too high?
USAA has some of the cheapest full coverage rates available; however, like most providers, USAA is managing inflation and supply chain shortages, which may increase insurance premiums.