USAA Auto Insurance: Coverage, Discounts & SafePilot

USAA Auto Insurance: Coverage, Discounts & SafePilot | Newest Cars Insurance

USAA Auto Insurance

Explore USAA auto insurance coverage, discounts, SafePilot, SafePilot Miles, vehicle replacement assistance, roadside assistance, claims services and eligibility information.

Visit USAA Explore Coverage

Company Overview

USAA Auto Insurance at a Glance

USAA offers customizable auto insurance coverage and optional programs designed for eligible members of the military community and their families.

Flexible coverage for eligible USAA members

USAA provides auto insurance coverage for qualifying members, with options that can protect drivers, passengers, vehicles and personal finances after covered accidents and other losses.

Available coverage can include liability, collision, comprehensive, uninsured and underinsured motorist coverage, personal injury protection, medical payments coverage and rental reimbursement.

USAA also offers optional features such as roadside assistance, car replacement assistance and rideshare gap protection, depending on eligibility, state and policy.

14M

Members

USAA’s current auto insurance page says 14 million members put their trust in USAA.

14M Members shown on USAA’s current auto insurance page

15% Maximum SafePilot enrollment discount in eligible locations

30% Maximum SafePilot earned discount at renewal

24/7 Online member support and service listed by USAA

Coverage Options

USAA Auto Insurance Coverage

USAA provides core auto insurance protections and optional coverages that can be added when they fit a driver’s needs.

Bodily Injury Liability

Helps protect you financially if you are responsible for injuries to another person in a covered accident, subject to policy limits and state requirements.

Core Coverage

Property Damage Liability

Helps cover qualifying damage you cause to another person’s vehicle or property when you are legally responsible for a covered accident.

Core Coverage

Collision Coverage

Helps pay to repair or replace your vehicle after a covered collision, subject to your deductible and policy terms.

Vehicle Protection

Comprehensive Coverage

Helps cover qualifying damage from events other than collision, including incidents such as fire, flooding, hail, theft, vandalism and hitting an animal.

Vehicle Protection

Uninsured Motorist

Can help protect you and your passengers when an uninsured driver causes qualifying injuries or damage, depending on state rules and policy terms.

Driver Protection

Underinsured Motorist

Can provide additional protection when the at-fault driver does not have enough insurance to cover qualifying expenses.

Driver Protection

Personal Injury Protection

Depending on the state, PIP can help cover medical expenses and other qualifying costs following a covered auto accident.

Medical Coverage

Medical Payments

Can help pay qualifying medical expenses for you or passengers following a covered auto accident.

Medical Coverage

Rental Reimbursement

Can help pay for a rental vehicle while your car is being repaired after a covered loss, subject to coverage limits.

Optional

Roadside Assistance

Provides help for situations such as a dead battery, flat tire, lockout, running out of gas or needing a tow, subject to applicable coverage terms.

Optional

Car Replacement Assistance

If a covered vehicle is declared a total loss, this optional coverage can provide an additional 20% of the vehicle’s actual cash value, subject to restrictions.

Optional

Rideshare Gap Protection

USAA offers rideshare gap protection that can help provide coverage while waiting for a ride request, subject to state and policy availability.

Rideshare

Savings Opportunities

USAA Car Insurance Discounts

USAA lists several ways eligible customers may reduce their auto insurance costs.

Discount or Saving	How It May Apply
Bundle and Save	USAA says customers can save up to 10% when they bundle eligible auto and property policies.
Multi-Vehicle Discount	Customers with two or more vehicles on a policy can receive a multi-vehicle discount.
Good Student Discount	Eligible student drivers can receive up to 10% off their car insurance under the current Good Student Discount program.
Storage Discount	A discount may apply when an eligible vehicle is stored and not driven, subject to state restrictions.
Military On-Base Discount	USAA advertises savings of up to 15% when a qualifying vehicle is garaged on a military base.
Automatic Payment	USAA says eligible customers may save up to 3% when setting up automatic payments.
SafePilot	The optional telematics program offers up to 15% at enrollment and up to 30% at renewal for safe driving in eligible locations.
SafePilot Miles	Drivers who drive less may qualify for up to 20% savings based on mileage, with an additional earned safe-driving discount of up to 20% at renewal.

Important: Discount availability, eligibility, amounts and state restrictions can vary. USAA states that discounts are subject to change and additional restrictions may apply.

Usage-Based Insurance

USAA SafePilot

SafePilot is USAA’s optional safe-driving program that uses the USAA DriveSafe app to evaluate driving behavior.

Drive safely and earn potential savings

USAA SafePilot uses smartphone sensors and the USAA DriveSafe app to automatically record trips and evaluate driving habits.

USAA says participants can receive up to 15% off when they enroll and can earn up to 30% off their premium at renewal for safe driving in eligible locations.

Phone Handling The program evaluates phone use while driving.

Calling Hand-held and hands-free calling can affect the score.

Harsh Braking Braking behavior is considered in the driving score.

Hours Driven Annualized driving hours are part of the evaluation.

30%

Maximum earned discount

USAA says qualifying SafePilot participants can earn up to 30% off their premium at renewal for safe driving.

Up to 15% participation discount when enrolling in eligible locations.
Earned discount is based on driving behavior.
Each participating driver generally needs to meet minimum driving requirements.
SafePilot participation itself does not increase the premium according to USAA.

SafePilot is optional and available only in select locations. The program is not available in California, U.S. territories or internationally.

Low-Mileage Program

USAA SafePilot Miles

A usage-based option for drivers who drive fewer miles and are comfortable with a monthly bill that varies according to mileage.

20%

Potential mileage savings

USAA says SafePilot Miles can provide up to 20% savings for driving less, with an additional earned safe-driving discount of up to 20% at renewal.

Who may consider SafePilot Miles?

USAA describes SafePilot Miles as an option for drivers who drive 8,000 miles or less per year, are comfortable with a monthly bill that varies and agree to share driving data through the USAA DriveSafe app.

Monthly rate adjusts based on mileage and other factors.
Driving data is collected through the mobile app, GPS and other sensors.
Drivers can receive a driving score and potential discount.
Safe driving may provide an additional earned discount at renewal.
The program is available only in select states and restrictions apply.

Additional Options

More USAA Auto Insurance Features

Depending on your policy and location, USAA provides additional services and optional protections.

Car Replacement Assistance

If a covered vehicle is declared a total loss, optional Car Replacement Assistance can add 20% of the vehicle’s actual cash value to the claims settlement, subject to restrictions.

Roadside Assistance

Optional roadside assistance can help with towing, a dead battery, a flat tire, a lockout or running out of fuel.

Rental Reimbursement

This optional coverage can help pay for a rental vehicle while your insured car is being repaired following a covered loss.

Rideshare Gap Protection

USAA offers rideshare gap protection designed to help cover eligible drivers while waiting for a ride request, subject to state availability.

Electric Vehicle Coverage

USAA states that its auto policy covers electric vehicles. If an EV battery is damaged in a covered event, the policy can help pay for qualifying battery repair or replacement.

Digital ID Cards

USAA provides digital account and policy tools that make it easier for members to access their insurance information while on the go.

Membership

Who Is Eligible for USAA Auto Insurance?

USAA auto insurance is available only to people who meet the company’s membership and eligibility requirements.

Eligible Military Community

USAA currently lists several groups that may be eligible for property and casualty membership.

Active-duty military
National Guard and Reservists
Veterans who have honorably served
Contracted ROTC cadets and midshipmen
Officer and warrant officer candidates
Service academy appointees

Family Eligibility

USAA also states that spouses and children of eligible USAA members can qualify for membership, subject to applicable requirements.

Spouses of eligible USAA members
Children of eligible USAA members
Membership eligibility is subject to USAA rules
Insurance availability and product restrictions apply

Claims

USAA Auto Insurance Claims

USAA provides digital tools that allow members to file and manage auto insurance claims.

Report the Accident

Start your claim through USAA’s online or mobile tools and provide information about the accident or covered loss.

Provide Information

Share the relevant accident details, vehicle information and supporting documentation requested for the claim.

Manage the Claim

The USAA Mobile App can be used to file and keep track of auto claims and receive updates.

Complete Repairs

Once the claim and damage assessment are handled, eligible repairs can proceed according to the policy and claim settlement.

Visit USAA Claims

Digital Services

USAA Mobile & Digital Insurance Tools

USAA provides digital services for managing policies, SafePilot participation and insurance claims.

Manage Your Auto Policy

USAA members can use digital tools to access and manage important insurance information.

Access policy information
Review insurance documents
Manage eligible policy details
Access digital insurance information

DriveSafe & Claims

The USAA DriveSafe app supports SafePilot programs and can record driving information. The USAA Mobile App also supports auto claim management.

Track driving activity
View SafePilot driving information
File auto claims
Track existing claims

Explore USAA Auto Insurance

Visit USAA to check membership eligibility, review available coverage, explore discounts and request an auto insurance quote.

Visit USAA

Frequently Asked Questions

USAA Auto Insurance FAQ

Answers based on current information published by USAA.

Who is eligible for USAA auto insurance?

USAA states that eligible groups include active-duty military, National Guard and Reservists, veterans who have honorably served, certain ROTC cadets and midshipmen, officer and warrant officer candidates, service academy appointees, and eligible spouses and children of USAA members. Membership requirements apply.

What types of auto insurance does USAA offer?

USAA offers coverage including liability, collision, comprehensive, uninsured and underinsured motorist, personal injury protection, medical payments and rental reimbursement. Optional features include roadside assistance, car replacement assistance and rideshare gap protection, depending on location and policy.

What is USAA SafePilot?

SafePilot is an optional USAA safe-driving program that uses the USAA DriveSafe app to record trips and evaluate driving behavior. USAA says eligible participants can receive up to 15% off when enrolling and can earn up to 30% off at renewal based on safe driving.

Can USAA SafePilot increase my insurance premium?

USAA states that participation in SafePilot does not increase the premium because of the driving score. USAA may change premiums for other reasons unrelated to SafePilot participation.

What is USAA SafePilot Miles?

SafePilot Miles is an optional usage-based program for drivers who drive fewer miles. USAA says customers can receive up to 20% savings based on lower mileage and can earn an additional safe-driving discount of up to 20% at renewal.

Does USAA offer a good student discount?

Yes. USAA currently advertises a Good Student Discount of up to 10% for eligible drivers. Availability and eligibility vary by state and policy.

Does USAA offer roadside assistance?

Yes. Optional roadside assistance can provide help for situations including a dead battery, flat tire, vehicle lockout, running out of gas or needing a tow, subject to coverage terms.

What is USAA Car Replacement Assistance?

Car Replacement Assistance is optional coverage that can provide an additional 20% of a covered vehicle’s actual cash value if the vehicle is declared a total loss. USAA states that restrictions apply and the coverage is not available in all states.

Does USAA cover electric vehicles?

Yes. USAA states that its auto policy covers electric vehicles. If an EV battery is damaged in a covered event, the policy can help pay for qualifying battery repair or replacement.

How do I file a USAA auto insurance claim?

USAA provides online and mobile claim tools. The company’s current auto insurance information states that the USAA Mobile App makes it possible to file and keep track of auto claims.

Official Information

USAA Official Sources

Additional information is available directly from USAA.

USAA Auto Insurance Official auto insurance and quote information USAA Auto Coverage Official coverage and optional protection information USAA SafePilot Official safe-driving program information USAA SafePilot Miles Official mileage-based insurance information SafePilot FAQ Official SafePilot program questions and requirements Good Student Discount Official USAA student-driver discount information Using Your Auto Insurance Official auto insurance support and savings information USAA Claims Official claims information and services

Disclaimer: This page is for informational purposes only and is not an insurance policy, quote, offer or contract. Coverage, rates, discounts, eligibility, limits, exclusions and availability can vary by state and individual circumstances. USAA is the source of the company-specific information referenced on this page. For current terms, eligibility and availability, contact USAA directly.