USAA Car Insurance Review for 2023

Welcome to our comprehensive review of USAA car insurance for 2023. In this article, we will provide you with an in-depth analysis of USAA's car insurance offerings, coverage options, customer service, and more. As a trusted and reliable insurance provider, USAA has built a strong reputation over the years for its commitment to serving the needs of military members and their families. So let's dive into our review and see what USAA has in store for car owners in 2023.

USAA Car Insurance Review for 2023

Coverage Options

When it comes to car insurance coverage, USAA offers a wide range of options to meet the diverse needs of its customers. Whether you're looking for basic coverage or more comprehensive protection, USAA has you covered. Here are some of the coverage options available:

Liability Coverage

Liability coverage is mandatory in most states, and USAA provides liability coverage to protect you in case you cause an accident that results in bodily injury or property damage to others.

Collision Coverage

Collision coverage helps pay for the repairs or replacement of your vehicle if it's damaged in a collision with another vehicle or object.

Comprehensive Coverage

Comprehensive coverage protects your vehicle against non-collision incidents such as theft, vandalism, fire, or natural disasters.

Personal Injury Protection

Personal Injury Protection (PIP) coverage helps cover medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident.

Uninsured/Underinsured Motorist Coverage

This coverage protects you if you're involved in an accident with a driver who doesn't have insurance or has insufficient coverage to pay for damages.

Additional Coverage Options

USAA also offers additional coverage options such as rental reimbursement, roadside assistance, and accident forgiveness. These optional coverages can provide added peace of mind and protection.

Discounts and Savings

USAA understands the importance of saving money on car insurance, and they offer a variety of discounts to help you reduce your premium. Here are some of the discounts you may be eligible for:

Safe Driver Discount

If you have a clean driving record and have been accident-free for a certain number of years, you may qualify for a safe driver discount.

Multi-Vehicle Discount

Insuring multiple vehicles with USAA can earn you a discount on your premiums.

Good Student Discount

Students who maintain good grades may be eligible for a good student discount.

Military Installation Discount

If you garage your vehicle on a military base, you may qualify for a military installation discount.

Defensive Driving Course Discount

Completing a defensive driving course can help you qualify for a discount on your car insurance.

Customer Service

USAA is renowned for its exceptional customer service and has consistently received high ratings in customer satisfaction surveys. Their commitment to serving military members and their families is evident in their personalized approach and dedication to resolving customer queries and concerns promptly. USAA offers multiple channels for customer support, including phone, email, and online chat, ensuring that you can easily reach out to them whenever you need assistance.

Pros and Cons of USAA Car Insurance


  • Highly rated for customer satisfaction.
  • Competitive pricing and discounts.
  • Wide range of coverage options.
  • Excellent customer service.
  • Specialized services for military members and their families.


  • Only available to military members, veterans, and their families.
  • Limited physical locations.

FAQs (Frequently Asked Questions)

FAQ 1: What sets USAA car insurance apart from other providers?

USAA stands out from other car insurance providers due to its exclusive focus on serving military members, veterans, and their families. Their commitment to understanding the unique needs of this community allows them to offer tailored coverage options, competitive pricing, and exceptional customer service.

FAQ 2: Can non-military individuals get USAA car insurance?

No, USAA car insurance is only available to military members, veterans, and their families. However, if you have a close family member who is eligible for USAA membership, you may be able to obtain coverage through them.

FAQ 3: How can I file a claim with USAA?

Filing a claim with USAA is a straightforward process. You can file a claim online through their website, or you can contact their claims department directly via phone or email. USAA's claims representatives will guide you through the process and assist you in resolving your claim efficiently.

FAQ 4: Does USAA offer any discounts for safe drivers?

Yes, USAA offers a safe driver discount for customers with a clean driving record and no recent accidents. This discount rewards responsible driving behavior and can help reduce your insurance premium.

FAQ 5: What types of vehicles does USAA cover?

USAA provides coverage for a wide range of vehicles, including cars, trucks, motorcycles, and recreational vehicles (RVs). Whether you need coverage for your daily commute or your weekend adventures, USAA has options to meet your needs.

FAQ 6: Can I manage my USAA car insurance policy online?

Yes, USAA offers a user-friendly online portal where you can manage your car insurance policy, make payments, view documents, and access other important information. The online platform provides convenience and flexibility for policyholders.


In conclusion, USAA car insurance continues to be a top choice for military members, veterans, and their families. With comprehensive coverage options, competitive pricing, and outstanding customer service, USAA proves its dedication to serving those who serve our country. If you're eligible for USAA membership, it's worth considering their car insurance offerings for 2023.

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