4.2
578 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 578 reviews)

Ratings Distribution

  • 5 Stars

     

    (415)

  • 4 Stars

     

    (48)

  • 3 Stars

     

    (18)

  • 2 Stars

     

    (26)

  • 1 Stars

     

    (71)

82%

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 (8)

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 578 customers

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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
 
1.0

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

(1 of 1 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.

(1 of 1 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

(2 of 2 customers found this review helpful)

 
1.0

No saving here even for disabled veterans

By 

from Macomb township MI

Comments about USAA Insurance:

No ssving here USAA could care less if your a Veteran or in my case a disabled veteran. Shop around and get Veteran discount on auto insurance like I did.
USAA give no Veteran discounts or any advantage over any other insurance company I even found Veteran discounts plus higher coverage limits with accident forgiveness for a lot less.

  • Affiliation:
  • I received a sample

(2 of 2 customers found this review helpful)

 
1.0

3 decade long member treated like dirt

By 

from Cape Cod MA

Comments about USAA Insurance:

Ahh. USAA the self appointed vanguard of customer service. If only they provided the level of service they self congratulate them selves on.
I became a member in 1986 - that's right over 30 years ago. I have filed for an at fault claim exactly ZERO times in that 3 decades. I have had numerous auto loans, home mortgages, investment products, life insurance and credit cards during this time frame.
We had some issues with our last mortgage with USAA - our closing attorney begged us to use another finance company due to his experience of very poor responsiveness on the part of USAA but as we had no issues in the past, we elected to move forward. Bad mistake but USAA after numerous calls and emails finally apologized for their actions.
Fast forward to 26JAN17 when my wife was hit head on by an unlicensed driver sustaining severe injuries. USAA initially responded well and promptly. However, the car was totaled and the appraisal done by USAA lackey company came in well under NADA values. I naturally protested and was told to provide VIN's of 5 other vehicles which I promptly did. USAA response - doesn't change the appraisal. Now over 7 weeks later, I still haven't gotten a logical answer. More infuriating is the canned responses and now even after I personally snail mailed 7 executives including the reclusive Stuart Parker CEO, I still haven't gotten an answer nor an explanation as to why a 3 decade long member has been treated in this manner.
I am voting with my feet and have cancelled my USAA credit card, all my auto policies, my umbrella and rider policies as well as termination of any and all USAA products possible. Please be aware the USAA is decidedly not the company it used to be and any customer should shop your policies as well. My "reward" for this reprehensible treatment was a $512 savings on a new auto policies with State Farm. I wholeheartedly advise all current USAA members to do the same.

(0 of 1 customers found this review helpful)

 
5.0

I joined USAA in 1967

By 

from Merritt Island, Florida

Comments about USAA Insurance:

Since first insuring my Corvette in 1967, USAA has insured my vehicles, my home, and for more than 10 years, I have banked with USAA Federal Savings Bank. After 50 years, I can safely say I am a very satisfied customer for life. Thanks USAA

(2 of 2 customers found this review helpful)

 
1.0

Terrible at paying claims

By 

from Steamboat Springs, CO

Comments about USAA Insurance:

I was in an auto accident, USAA has done everything humanly possible to avoid paying my medical bills. So many excuses, drowning me in paperwork, asking for more information when I have already given them everything. I honestly don't know how these people sleep at night. They tried to give me a check for $800 for what turned out to be $1,800 worth of damage to my car. They will stick it to you any way they can.

(3 of 3 customers found this review helpful)

 
1.0

getting health insurance , quote

By 

from Oakdale ca

Comments about USAA Insurance:

I just called USAA to get a health insurance medical quote for myself on Major Medical and the procedures that they have to go through are absolutely insane suffice to say I hung up on two different people because it was absolutely ridiculous and they told me that I did not verify my kids is birthdays and dates properly so they could not help me well I know my two boys birth dates day month and year how old they are I verified my vehicle information my social security information other vehicles on my policy the fact that I got home owners insurance through them I mean the only thing I didn't tell him that I'm missing my front teeth because I fell down I'm like and they won't stop they told me I can't verify to get medical insurance to talk to them about a quote because I couldn't verify enough information I spent 20 minutes on the phone for them trying to verify It was already in front of their face on the computer screen and they couldn't turn around and just give me a freaking quote on medical insurance USAA really sickens me and they need to change the way they do things if I call up any company any company to check for a quote on medical insurance Kaiser or Blue Cross it doesn't matter they don't ask you any of this stuff still ask your age your personal information that's it USAA you are ridiculous you are terrible absolutely absurd at the way you guys verify information just to get a freaking medical quote you make me want to cancel everything with you guys go somewhere else I mean that's why I don't call in and I don't use the freaking online because you can't turn around and use it without calling up and getting assistance USA is the world's worst Insurance when it comes to talking to the customer service you need to reform how you do things I shouldn't have to be speaking for 20 or more minutes just to verify who I am my social security number my name n the vehicle that I drive... what does my vehicle have to do with health insurance I'm sick of USAA

  • Affiliation:
  • I received a sample

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