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USAA Car Insurance Discounts

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UPDATED: Jul 22, 2020

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Here’s what you need to know…

  • USAA offers many types of car insurance discounts
  • USAA is exclusively for current and retired military and members of their family
  • USAA good student discount requirements are a 3.0 or better GPA and full-time enrollment

Auto insurance discounts rule the roost these days when it comes to insurance advertising. They are one of the many ways to lower your car insurance premium.  USAA car insurance discounts are available so you can get a discount or three on your policy.

Let’s look at USAA’s good driver discounts and others, such as a good student discount. With car insurance for young drivers being so expensive, a good student discount can make a huge difference. How much does USAA car insurance cost, and is USAA insurance really cheaper? Read on to find out these answers and more.

The best way to find cheap car insurance is to shop around compare quotes. Read our USAA auto insurance discount list, and then see the numbers for yourself. Enter your ZIP now to get started, and don’t forget to factor in all of the discounts you are eligible for to keep those rates as low as possible.

USAA Auto Insurance Discounts

It’s important have an auto insurance checklist of questions to ask your insurance agent when buying car insurance. You must meet state requirements for minimum car insurance in order to drive. You need to know you are meeting those state requirements and getting the best deal.

What discounts does USAA offer? USAA car insurance discounts include the typical safe driver stuff, along with special discounts for military members, and even a family discount if your parents used them.

This table breaks down the discounts USAA does and does not offer.

USAA Available Car Insurance Discounts
Common Car Insurance DiscountsDiscounts Available from USAA
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakesx
Anti-Theftx
Daytime Running Lightsx
Electronic Stability Control
Utility Vehicle
Vehicle Recoveryx
VIN Etchingx
Lane Departure Warning
Newer Vehiclex
Green Vehicle
Forward Collision Warning
Claim Freex
Continuous Coverage
Defensive Driverx
Distant Studentx
Driver's Edx
Driving Device/Appx
Early Signingx
Emergency Deployment
Engaged Couple
Family Legacyx
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storingx
Good Credit
Good Studentx
Homeowner
Life Insurance
Low Mileagex
Loyaltyx
Marriedx
Membership/Group
Militaryx
Military Garagingx
Multiple Drivers
Multiple Policiesx
Multiple Vehiclesx
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operatorx
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billingx
Passive Restraintx
Recent Retirees
Renter
Roadside Assistance
Safe Driverx
Seat Belt Use
Senior Driverx
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driverx
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Let’s look at some specific USAA discounts that are available.

USAA Good Student Discount

Insurance for college students and teens can be very expensive, so getting a discount can be huge.  What will I need to get a good student discount?

A “B” average from your preceding semester will likely earn you this discount. Do insurance companies check grades and enrollment? You bet. You must be enrolled full-time to get a discount and keep a 3.0 GPA.

This video breaks down ways to save on teen car insurance.

Teen driving costs can be lowered through discounts and good driving habits.

USAA Driver Training Discount

Are there any other discounts for student drivers? You will be pleased to know the answer is yes. If you are under 21, complete the driver training course and get the discount. Many states require teens to take this course to get their restricted license. Not only is this class necessary, but it can also save you money on your car insurance.

USAA Safe Driver Discount

You can (and should) expect a discount for having a clean MVR and C.L.U.E. report for five years. This table will show how much you can save by being a safe driver. Compare the rates of USAA with others to see how they stack up.

Average Annual Car Insurance Rates Based on Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
Geico$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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You can see that USAA is significantly cheaper than the other companies.

USAA Defensive Driving Class Discount

Be wary of this one. There are “restrictions” to it, which typically means it only works for the very young and elderly drivers. Even if you don’t get a discount on your car insurance, a defensive driving class can give you helpful tips to stay safe. It might be a good choice from those seeking USAA auto insurance discounts for seniors.

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USAA Military Discount

USAA military discount (up to 15 percent) usually only applies to vehicles owned by soldiers on deployment and usually only to the comprehensive coverage portion of your rate, and in some cases collision coverage. It may also require you to garage your vehicle on base.

USAA Loyal Member Discount

Get a discount for staying with USAA for multiple years. Even if you decide to stay with USAA, it’s a good idea to get quotes and compare them every year. This way you know you are getting the best rates for the best coverage.

USAA Multiple Products Discount

Does USAA offer bundle discounts? Yes, and the USAA multiproduct discount can be easy to add. Just add your home, renters, life, and or health insurance coverage to USAA and save a little extra. This is known as bundling.

USAA Family Discount

You can get a discount of up to 10 percent if your family has USAA. You must be under 25, have been on your parents’ policy for three years, and have a clean driving record to get this one.

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USAA New Vehicle Discount

Look for a discount if your vehicle is three years old or newer. Insurers will also give discounts for your car’s safety features since those features can reduce your chances of getting in an accident.  Restrictions apply.

USAA Annual Mileage Discount

Lower mileage equals a lower insurance rate if you are over 29 years old. Many companies will charge more if you drive a lot since more time on the road can mean more chances to get in an accident. Restrictions apply.

USAA Multiple Vehicle Discount

Owning two or more vehicles will lower your auto insurance rate. Restrictions apply.

USAA Stored Vehicle Discount

Earn a discount of up to 60 percent if your vehicle is stored in a “secured location” and not driven at all. Basically, you get a discount on coverage for a virtual guarantee that you will not have a claim.

A lot of these discounts aren’t available in Hawaii, North Carolina, and New York state.

Enter your zip code below to view companies that have cheap auto insurance rates.

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USAA Car Insurance Discounts: The Final Word

The same principles apply per usual with USAA. Discounts are nice, but a lower overall price is much, much better. Shop around to ensure you get the cheapest car insurance coverage available.

As always, don’t forget to ask about the restrictions on these discounts when speaking with your USAA representative. Not all discounts are available in all locations and are subject to change.

Also, be sure to shop online for insurance quotes from multiple insurers if your goal is to get the lowest car insurance rate for the coverage you need. That final price is what matters.

We here at TTAI aim to do the research for you and let you make an informed decision about your insurance needs. While there are thousands of car insurers in the United States, we try to tackle the big ones.

How can I easily compare rates online? All you need to do is enter your ZIP code to start getting auto insurance quotes today, and don’t forget to let us know if we missed any USAA car insurance discounts.

Frequently Asked Questions: USAA Car Insurance Discounts

Keep reading to learn to answers some commonly asked questions about USAA insurance.

#1 – What is the USAA phone number?

The USAA car insurance number is 1-800-531-8722. You can also file claims and access your account by using your online USAA login.

#2 – Does USAA offer home insurance?

Yes, USAA offers home insurance. You can even bundle home and auto insurance to save even more.

#3 – Did USAA offer discount car insurance for COVID-19?

Yes. The USAA auto insurance discount for COVID-19 has been issued. USAA returned $800 million in dividends to policyholders due to COVID-19. This is accomplished by a credit on policyholder’s accounts. There may be further USAA car insurance discounts for COVID-19 in the future.

References:

  1. https://www.cdc.gov/coronavirus/2019-ncov/index.html

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