USAA (United Services Automobile Association) is a Fortune 100 financial services company that exclusively serves the military community in the United States. Founded in 1922 by 25 Army officers in San Antonio, Texas, the company has grown to serve more than 13 million members including active duty military, veterans, their spouses, and dependent children.
USAA operates as a reciprocal inter-insurance exchange technically owned by its policyholders, which influences its long-term focus on member benefits rather than shareholder returns. The company is consistently ranked at or near the top of customer satisfaction studies and offers some of the lowest auto and home insurance premiums available, though membership is restricted to eligible military families.
About USAA
Founded: 1922 in San Antonio, Texas
Headquarters: 9800 Fredericksburg Road, San Antonio, TX 78288
Auto insurance, homeowners insurance, renters insurance, condo insurance, motorcycle insurance, ATV insurance, boat insurance, RV insurance, classic car insurance, mobile home insurance, landlord insurance, personal umbrella insurance, term life insurance, whole life insurance, universal life insurance, annuities, retirement plans, identity theft protection, pet health insurance through partners, valuable personal property coverage, military uniform replacement coverage, deployment storage protection, banking products including checking and savings, credit cards, mortgages, auto loans, and comprehensive investment management.
Key Strengths
USAA is known for consistently ranking #1 in customer satisfaction studies, offering some of the lowest auto and home insurance premiums in the industry, providing specialized military-focused coverage features like uniform replacement and deployment storage protection, the SafePilot telematics program for additional savings, comprehensive financial services beyond traditional insurance including banking and investment management, exceptional claims handling with above-industry-average satisfaction scores, and the SubscriberSavings Account that returns excess profits to members.
The company holds an A++ Superior rating from A.M. Best, the highest available rating, and maintains AA+ ratings from Standard and Poor’s. USAA’s restricted membership model allows the company to serve a specifically curated risk pool, which contributes to the lower pricing and higher service quality available to qualifying members.
Eligibility Requirements
USAA membership is available to:
Active duty members of the U.S. Army, Navy, Air Force, Marines, Coast Guard, Space Force, and National Guard or Reserves
All retired and honorably separated officers and enlisted personnel of the U.S. military
Current spouses of USAA members
Widows and widowers of USAA members
Unmarried former spouses of USAA members who joined USAA prior to or during the marriage
Adult children whose parents joined USAA
USAA Insurance Information
This category covers everything you need to know about USAA insurance including coverage options, pricing, available discounts, claims process, and detailed comparisons against other major insurers.
