How Much is USAA Car Insurance? Rates & Quote

Advertiser disclosure

Your trust matters to us. Always.

We believe everyone deserves access to clear, honest, and unbiased information when it comes to insurance decisions. While we don’t include every provider or product available, we work hard to offer guidance that’s well-researched, accurate, and helpful completely free of charge.

So how do we keep the lights on? We may earn compensation from some of the companies we feature or link to. This can influence which products appear and where they’re placed on our site. However, it doesn’t affect our editorial standards. Our reviews and recommendations are based on thorough research, real-world insights, and a commitment to helping you make informed choices. No partner can pay to receive a favorable review.

Updated: March 27, 2025 . 2 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

United States Automobile Association (USAA) is a privately owned financial services company that was founded in 1922 by Army Officers. With strict qualification requirements, only United States military staff and their relatives can qualify for USAA’s auto insurance quotes and services.

The insurance cost for full coverage is approximately $74 per month or $885 per year only on average. USAA auto insurance rates for minimum coverage are only 34$ per month or 405$ per year, on average.

How Much Will My Usaa Insurance Go Up With a Speeding Ticket?

A single speeding ticket doesn’t always increase your USAA car insurance rates. If your overall risk profile remains low, you shouldn’t see your USAA insurance quote go up.

However – If your insurance does go up over a speeding ticket, the premium increase will last for 3 years, give or take, from the date of the speeding ticket.

The insurance rates increase by roughly 5% over one speeding ticket.

Usaa Roadside Assistance Cost

They also offer roadside assistance that reimburse up to $100 for emergency events, such as: flat tire replacement, gas supply, locksmith services, towing services and battery jump. Their roadside assistance cost is only $1 to $1.5 a month on top of your active car insurance policy.

 

Usaa Gap Insurance Cost

Their  gap insurance cost  is $269 flat fee and is solely sold for vehicles that are up to 7 years old and loan amount of up to $5,000. 

All of the above makes this company among the cheapest car insurance companies, among all car insurance companies.

If you are a member of the U.S military or are related to one, it will be wise of you to get a USAA car insurance quote estimate and save more on your auto insurance.

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

Recent Reviews

Recent Posts


Additional Auto Insurance posts

Become a voice

Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!