What Does USAA’s Full Coverage Auto Insurance Cover?

USAA’s full coverage auto insurance is a great (and affordable) option for eligible drivers, that includes liability, collision, and comprehensive coverage.
Written by Kara Vanderbeek
Edited by Jessica Barrett

What Does USAA’s Full Coverage Auto Insurance Cover?

USAA’s full coverage auto insurance is a great (and affordable) option for eligible drivers, that includes liability, collision, and comprehensive coverage.
Written by Kara Vanderbeek
Edited by Jessica Barrett
USAA’s full-coverage
car insurance
typically includes state minimum insurance plus collision insurance and comprehensive insurance.
has some of the best rates available on full-coverage policies for military members and their families.

Everything included in a USAA full coverage policy

USAA’s basic
full-coverage insurance
policies are generally comprised of three car insurance coverage types.
Liability insurance
(and other state minimum requirements): Required by law in almost every state, liability coverage pays for other driver’s expenses if you’re at fault in an accident. If you live in a state that mandates
underinsured/uninsured motorist coverage
personal injury protection
, or
medical payments coverage
, this will also be included in your state minimum coverage with USAA.
Collision insurance:
Collision coverage from USAA pays for damages to your own vehicle following a collision with another vehicle or a stationary object. 
Comprehensive insurance:
Comprehensive insurance pays for damages to your own vehicle due to events other than a collision (e.g., fire, flood, hail, vandalism, theft, or falling objects). 
Policyholders won’t be able to choose a “full coverage” package with USAA: This label simply refers to a car insurance policy that includes the coverage requires by your state, plus collision and comprehensive coverage.
USAA only offers insurance services to military members and their families. Drivers who are not in the military, or who have never been in the military, do not qualify for USAA insurance.

Add-ons for a full coverage USAA car insurance policy

While full coverage policies offer a broader scope of protection than liability-only insurance, USAA customers can add other coverage options to create an even more robust policy.
  • Roadside assistance
    : USAA’s roadside assistance is an affordable add-on that covers towing, flat tires, fuel delivery, lockout services, battery jump-starts, and even stuck vehicles.
  • Rental reimbursement
    : This car insurance add-on will pay for rental car costs while your vehicle is being repaired after an accident.
  • Car replacement assistance
    : If your new car is totaled or stolen, car replacement assistance will pay you 20% or more than your vehicle’s actual cash value for a new vehicle. This service doesn’t extend to leased vehicles or cars with faulty transmissions.
  • Accident forgiveness
    : If you’re in an at-fault accident, USAA won’t surcharge your policy—but your rate might still increase if you lose your good driver discount.
USAA also offers other insurance products, including property insurance, life insurance, home insurance, and business insurance to customers. You can usually get insurance discounts for
bundling multiple policies together
, or even get a multi-vehicle discount.

What isn’t covered by a USAA full coverage policy?

Typically, a USAA full coverage policy does not cover your medical expenses and legal costs, general wear and tear, or reimbursement for rental cars. These additional services can be included on your policy with add-on coverages but are not standard on a “full coverage” policy.

USAA full coverage policies cost around $1,649 annually

The average rate for a USAA full coverage auto insurance policy is around $1,649 per year or $137 per month. This is substantially lower than the national average of $2,264, making USAA a great option for military members, veterans, and their families.
Although this is the average cost for a full coverage policy from USAA, it doesn’t mean this is much you will pay.
Auto insurance rates are calculated
based on a number of factors, such as age, gender, marital status, and driving record. As a result, you may end up paying more—or less—than the number mentioned above. 

Is USAA one of the best car insurance companies for full coverage?

The coverage offered by USAA isn’t much different than any other insurance provider’s coverage—but along with ranking high for insurance costs, USAA also recently took the top spot for US News’
Best Car Insurance Companies of 2023
Based on survey results and insurance reviews, USAA ranked first in the following categories:
  • Best for Customer Service
  • Best for Customer Loyalty
  • Most Likely to be Recommended
  • Most Likely to be Renewed
Jerry customers agree: A recent consumer survey conducted by Jerry echoed these sentiments, with over 200 USAA customers ranking their auto insurance company high in customer satisfaction, claims process handling, overall buying process, and renewal management. 
But while consumers seem to agree that USAA is one of the best auto insurance providers in terms of car insurance rates and customer service, they do provide limited coverage options and car insurance discounts in comparison to other companies, such as Allstate, Progressive, and GEICO.
The best way to determine if USAA has the right auto insurance coverage for you is to compare car insurance quotes from multiple providers.
app screenshot
After you get a quote from USAA auto insurance, you can compare pricing from some of the top insurers in your area with the
Once you find the perfect policy, you’ll be able to customize your coverage and deductibles, finalize your rate, and purchase the policy right in the app.
If you’re not quite ready to buy, you can schedule your policy start date up to 28 days in advance.
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 is new
  • Your car has a high value
  • You have a classic car
  • 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.


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.
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