4.2
583 reviews
Other Insurance Companies:
  • Average: 3.4
  • High: 5.0
Type:
Car Insurance Companies, Home Insurance Companies, Life Insurance Companies
USAA Insurance

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USAA Insurance
 
4.2

(based on 583 reviews)

Ratings Distribution

  • 5 Stars

     

    (415)

  • 4 Stars

     

    (49)

  • 3 Stars

     

    (18)

  • 2 Stars

     

    (27)

  • 1 Stars

     

    (74)

81%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
    • Customer Service:
    •  
    • Available Plans:
    •  
    • Affiliation:
    • I received a sample (16), I am an employee or otherwise affiliated with the brand (9)

Most Liked Positive Review

 

So much more than insurance!

Many people think of USAA as just an insurance company but they offer so much more. USAA offers reward-based credit cards, banking services, insurance, car financing, and investments! They are truly a...Read complete review

Many people think of USAA as just an insurance company but they offer so much more. USAA offers reward-based credit cards, banking services, insurance, car financing, and investments! They are truly a one-stop shop for all of your financial/insurance needs. The USAA staff is always highly professional and very dilligent about getting back to their members. We have used USAA for car insurance, banking and home insurance and USAA has been excellent in all cases. They also offer reasonable rates and hassle free services. Since USAA has limited brick and mortar outlets, they have very good online tools. In addition, they provide you monthly reimbursements for ATM withdrawls since you don't have a choice but to use others kiosks. One of my favorite things about USAA is that you can very easily redeem miles for points online. They have consistently won awards for being the best on the web as well as the best customer service offering to model after. I believe that in order to use USAA you must have a military connection in your family. You should check out the USAA site to see if you can qualify. You won't be disappointed.

VS

Most Liked Negative Review

 

In May of 2005, while waiting at a stop-light, I was rear-ended

In May of 2005, while waiting at a stop-light, I was rear-ended by an intoxicated man. Not only was he arrested for drunk driving, but a police officer witnessed the accident.The driver's insurance...Read complete review

In May of 2005, while waiting at a stop-light, I was rear-ended by an intoxicated man. Not only was he arrested for drunk driving, but a police officer witnessed the accident.The driver's insurance paid immediately. The ironic part of this is, MY insurance isn't so willing. Let me give a little background to make this clearer.Several years ago, while on my way to work, I was involved in a four-car accident; I was the front car. Through the process of dealings with insurance companies, I learned what was needed/not needed to get the claim settled. After that accident finalized, I increased my PIP (personal injury protection) and UIM (under-insured motorist) to assure that, in the future, everything would be covered.While serving in the military in 1997, I hurt my back. I had some bulging discs (the largest at 3 mm). In April of 2005, I had another MRI done that showed the discs still at 3 mm.Now, less than a month after being hit by the drunk driver, I was administered another MRI since the pain had gotten unbelievably worse and was having problems controlling my bladder (I was only 32). This time, the discs (five of them) were at 7 mm! What else could have caused this huge jump? It's so bad now, my nine year old daughter has to help me get dressed each day. Since the drunk driver only had the mininum insurance ($20,000), all of my medical costs aren't even closed to being covered. Surgery is a definite must.So now, I made a claim against my UIM (which is $75,000) last year since I can't afford surgery on my own (I'm not allowed to work and have no health insurance). It has been eighteen months and I'm still waiting. USAA asked for the most ridiculous documents, several times! At one point, they asked for my military commendations. Why? What difference does it make what medals I received in the military eight years prior?My attorney stated that he had never seen an insurance company ask for such meaningless paperwork before; he was dumbfounded. Now, we are forced to sue for the very thing I pay to use. In the meantime, I'm forced to pay for my own medication and doctor's appointments until USAA settles with us.Here's the odd part. If anyone can figure it out, please tell me. At the end of 2005, USAA told my lawyer they were giving me no UIM and closing the case. All of the sudden, a month later, a different person from USAA calls and says they are re-opening the case. Now that it's reopened, BECAUSE OF THEM, why are they stalling and making excuses? I don't get it.We pay premiums so that, if, god forbid, an accident occurs, we have peace of mind knowing we are covered. But, the moment it happens, they run for the hills and make us feel like we're asking the ridiculous. I don't know what to do anymore except sit and wait for USAA to do what's obvious and pay. I guess that's just a pipe dream.

Reviewed by 583 customers

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2.0

Not up to hype

By 

from Orlando, Fl.

Comments about USAA Insurance:

This is cut rate insurance. When I put in a claim for a cracked windshield, using they're provider, Safelite, they tried to repair it, failed, then replaced it, with a Safelite "comparable" windshield. The driving experience went from the quietest car I ever drove to having to turn up the radio to having to turn up the radio to drown out the noise. The USAA representative said it was policy to use after market, non OEM parts, whenever available. The USAA representative said they can' arrange a meeting with Safelite to discuss wether they thought they're parts were good enough. REALLY!

 
4.0

My insurance company for 10 years now

By 

from Cleveland, Ohio

See all my reviews

Comments about USAA Insurance:

A lot of what I read in the reviews in accurate, like extremely high premiums on home, auto insurance etc. we stick with them mainly as my husbands pay checks are deposited in the banking portion of usaa and it makes our lives easier having everything including credit cards and our car payments all with one company. Overall they have been great to our family, reliable, extra time if we are a little late... no over draft fees etc. it does cost more but the convenience is pretty much worth it. We did a claim in fall about siding damage, my husband called in as he didn't like the quote and they wrote a check so we could find someone WE liked better. Very accommodating.

 
1.0

Worst experience ever!!!

By 

from Butte, Montana

Comments about USAA Insurance:

I am being charged almost $100 more on my premiums for my auto and rental insurance. I have tried to call them for an explanation, I have tried to chat. I get no responses. I do not have time to sit on hold for 15 minutes. I am waiting until my insurance is up and I am going to cancel. Would not recommend to anybody!

 
1.0

False advertising

By 

from Baltimore Md

Comments about USAA Insurance:

I have been a loyal USAA customer for 16 years, first claim I ever submit for storm damage was low balled, never saw the insurance estimate or correspondence. Next thing I knew i received an email from USAA saying it deposited $500.00 in my account and i have a $500.00 deductible. The storm damage was over $2800.00, when i asked USAA to please reconsider they told me I was being ripped off and they don't pay off what i got was what I will get. It was almost impossible to get another estimate because everyone around me is doing the same thing. USAA told me lots a people overcharge after a storm and they wont pay, so I vae to. BEAWARE USAA DO NOT STAND BEHIND THEIR CLIENTS OR THE SOLDIER.

  • Affiliation:
  • I am an employee or otherwise affiliated with the brand
 
1.0

Horrible Claims Experience

By 

from Houston, TX

Comments about USAA Insurance:

I have had the worst experience with my auto claim with USAA. They have not paid for my rental car which was over $800.00 and they have only paid for 90% of my auto repairs. The body shop had to fight them to get them to pay that much. I am at this point out over $1800.00 and I may have to eventually go to mediation to get this resolved. They are very uncaring and are bad about returning phone calls. I have even spoken to management and have not gotten any resolution.

(1 of 1 customers found this review helpful)

 
1.0

HORRIBLE

By 

from Raleigh NC

Comments about USAA Insurance:

USAA is the WORST insurance company I have EVER dealt with.

Here's the scenario: on I40, press break slightly due to car in front of me slowing down, guy behind me squeezes in to get off on the exit and hits me directly from behind. Insurance company is claiming it's half of my fault because I swerved over to get in the lane in front of him, when I have a WITNESS that can testify and say otherwise. I had been in the lane all along. My claim was denied, it's both of our faults and they can't pay.

Sure I'm mad and that's why I'm writing this review but I was going to write it from the beginning when I first starting dealing with this company because of other reasons.

Your phone lines are hard to get through to even talk to a representative, the representatives interrupt you while you're trying to talk, and they blame you for the accident that you really didn't commit to get out of paying. I will definitely NEVER recommend this company.

  • Affiliation:
  • I received a sample

(1 of 1 customers found this review helpful)

 
1.0

Insurance Claim Representative

By 

from st augustine fl

Comments about USAA Insurance:

I've had them for seven years and WOW what a waste of money.

  • Affiliation:
  • I am an employee or otherwise affiliated with the brand

(2 of 2 customers found this review helpful)

 
1.0

Disappointed in the extreme

By 

from Golden, CO

Comments about USAA Insurance:

USAA advertises their great care for veterans and their families. Unfortunately, the company does not live up to their marketing claims. My car was severely damaged in a hail storm. USAA totaled the car. What they were offering to pay was about $8,000 less than I would have had to pay for a car with similar features of the same age. Their repair offer was $2,500 less than the estimates I provided. I tried to reason with them, showing them comparable vehicles and requesting to speak with someone who could actually help me. No dice. We're changing companies. I must say that this feels despicable to me — operating under the pretense that you care about veterans, then refusing to actually pay the claim to restore their insureds to a condition similar to the pre-claim situation.

(2 of 2 customers found this review helpful)

 
1.0

USAA Quote for auto and home

By 

from Rome , N.Y.

Comments about USAA Insurance:

About 6 months ago I requested a quote from them for auto and home insurance. I requested identical coverage to what I have now through Allstate. USAA quote for auto was 3 times higher and the quote for home was 2 times higher. When I told that too the USAA representative they said "it must be a computer error and we will get back to you ". Good thing I haven't been waiting for that call back ! So much for helping Veterans!!

  • Affiliation:
  • I received a sample

(2 of 2 customers found this review helpful)

 
1.0

WORST BANK I HAVE EVER HAD!

By 

from TEXAS

Comments about USAA Insurance:

WHEN YOU WITHDRAW YOUR OWN MONEY THEY ASK WHY AND WHAT YOUR USING IT FOR.IT IS NONE OF THEIR BUSINESS. WHEN YOU USE MOBILE DEPOSIT ITS RANDOM THAT A PORTION OF YOUR CHECK WILL BE ON HOLD FOR 10 DAYS OR MORE AND I'VE USED MOBILE DEPOSIT SINCE THEY STARTED IT MANY YEARS AGO AND THIS IS NEW. I DEPOSITED A CHECK AT 9 PM CENTRAL TIME AND THE CUT OFF IS 10 PM CENTRAL TIME AND IT SAYS WHEN YOU DEPOSIT A CHECK THE FUNDS ARE IMMEDIATLY AVAILABLE, WELL THE NEXT DAY MY BILL CAME IN AND THEY RETURNED IT BECAUSE THEY DID NOT MAKE MY CHECK EFFECTIVE IMMEDIATELY LIKE IT SAID AND I WAS CHARGED A 29$ RETURN FEE. THIS HAPPENED 3 TIMES THEN I FINALLY CALLED THEM WHEN I HAD A CHANCE AND SHE SAID WELL I CAN RETURN THE 29$ FEE AND I'M NOT SURE WHY THAT HAPPENED YOU MET THE CUT OFF TIME. THEY WILL CHARGE YOU FOR EVERYTHING AND YOU HAVE TO FIGHT TO GET IT BACK. ITS WRONG AND THEY KNOW IT. WHY WOULD YOU USE THIS BANK?!

  • Affiliation:
  • I am an employee or otherwise affiliated with the brand

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