USAA Car Insurance Review 2022

USAA Car Insurance Rate Comparison for Good Drivers

USAA has the cheapest average car insurance rates for good drivers when compared to top competitors. Only Geico is close when it comes to cheapest rates for safe drivers.

USAA and Geico are good companies to start with if you have a clean driving record and you’re shopping for car insurance. Note that USAA insurance is available only to active military members, veterans and their families.

Related: Best Car Insurance Companies of 2022

USAA Car Insurance Rate Comparison for Drivers With a Speeding Ticket

USAA charges nearly $200 less on average to drivers with a speeding ticket compared to the nearest competitor. Getting a speeding ticket may also affect your eligibility for good driver discounts. If that happens to you, it’s wise to get quotes from other car insurance companies at policy renewal to see if you can find a cheaper rate.

USAA Car Insurance Rate Comparison for Drivers Who Caused an Accident With an Injury

USAA has the lowest rate for motorists who have caused an accident with an injury to someone else, compared to other top insurers. You may pay $1,500 less on average for a policy after an at-fault accident with injury than the highest-pricest competitor.

If you find your insurance rates increase after an accident, shop around to possibly get a cheaper rate elsewhere. Insurers gauge risk differently, so you might find your rate barely increases with another insurance company.

USAA Car Insurance Rate Comparison for Drivers With a DUI

USAA has the second cheapest average rates for drivers with a DUI when compared to competitors. Only State Farm has a better average rate.

The average rate hike for a driver who gets a DUI is $1,054 for USAA. By comparison, the average rate increase for that same driver is about $500 at State Farm.

Related: Best car insurance after a DUI

USAA Car Insurance Rate Comparison for Drivers With Poor Credit

Insurance companies often charge higher rates to drivers with poor credit. Geico is the only insurer with a lower average rate for a person with bad credit than USAA. And Geico and USAA are the only ones with lower average rates for those drivers under $3,000 among top insurers, so they are a good place to start if you’re shopping for insurance and you have poor credit.

Note that California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when pricing auto insurance.

USAA Car Insurance Rate Comparison for Adding a Teen Driver

Putting a new teen driver on your car insurance policy can hike your rates more than if you’re convicted of a DUI or cause a car crash.

Adding a teen driver increases USAA insurance rates by an average of $1,746 annually, which is a lower rate hike than most competitors. Ask your insurer about teen-related discounts if your child is a good student or is away at college without a car. Those discounts can offset the rate increase.

Related: Best car insurance for teens

USAA Car Insurance Rate Comparison for Young Drivers Ages 18 to 25

Young drivers with their own policies usually pay much more than more experienced drivers.

USAA’s average rate for a driver ages 18 to 25 is lower than top competitors except for Geico. Young drivers should shop around when first getting an insurance policy. Don’t just go with your parents’ insurance company. Getting quotes from multiple insurers can save you hundreds—if not thousands—by finding an insurance company with lower rates for young drivers, such as Geico, USAA and State Farm.

USAA Car Insurance Rate Comparison for Senior Drivers Age 65+

Car insurance rates usually start to increase once you reach age 65. Insurers view older drivers as a bigger risk than motorists in their 40s and 50s.

If you notice your insurance premiums increasing, make sure you’re maximizing all applicable discounts that your insurer offers. Discounts like multi-policy, bundling and homeownership can shave money off your insurance bill. You can also likely qualify for a discount by completing a defensive driving class. Ask your insurance agent which classes are approved.

Related: Best car insurance for seniors