USAA Insurance Review 2026 — Rates, Ratings & Coverage

USAA Insurance Review (2026)

A.M. Best: A++Market Share: 6.2%Founded 1922 | San Antonio, TX

USAA consistently ranks #1 in customer satisfaction and offers the lowest rates in the industry. Membership is limited to active military, veterans, and their families.

Average USAA Insurance Rates

Auto Insurance

$1,150/yr

Home Insurance

$1,380/yr

USAA Pros and Cons

Pros

+ Lowest rates consistently
+ Highest customer satisfaction
+ Military-specific benefits
+ Excellent claims handling

Cons

- Limited to military members and families
- No local agent offices
- Limited commercial insurance

Insurance Products Offered

USAA offers coverage in: Auto, Home, Life, Banking.

Company Overview

Founded: 1922
Headquarters: San Antonio, TX
A.M. Best Rating: A++
Market Share: 6.2%

Frequently Asked Questions

Is USAA a good insurance company?

USAA has an A.M. Best financial strength rating of A++ and a market share of 6.2%. Lowest rates consistently. However, limited to military members and families.

How much does USAA insurance cost?

USAA auto insurance averages $1,150/year. Home insurance averages $1,380/year. Your actual rate depends on your profile, location, and coverage needs.

What types of insurance does USAA offer?

USAA offers: Auto, Home, Life, Banking insurance. They are headquartered in San Antonio, TX and were founded in 1922.