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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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The Truth in a Nutshell

  • USAA offers many types of car insurance discounts.
  • USAA is exclusively for current and retired military and members of their families.
  • 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 the USAA car insurance 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 and compare quotes. Read our USAA auto insurance discount list and then see the numbers for yourself. Enter your ZIP now to get started finding the best USAA car insurance rates, 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

Who is eligible for USAA car insurance? It’s important to 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 that you are meeting those state requirements and getting the best deal.

What discounts does the USAA car insurance company offer? Here’s what you need to know about USAA car insurance discounts: They include the typical safe driver stuff, along with special discounts for military members, and even a family discount if your parents used them.

Watch the following video to learn more about how to score car insurance discounts.

What kind of discounts are available from USAA car insurance? This table breaks down the discounts USAA does and does not offer.

USAA Available Car Insurance Discounts
Common Car Insurance DiscountsCar Insurance Discounts Offered by USAA
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakesx
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
Good Credit
Good Studentx
Life Insurance
Low Mileagex
Military Garagingx
Multiple Drivers
Multiple Policiesx
Multiple Vehiclesx
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Occasional Operatorx
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billingx
Passive Restraintx
Recent Retirees
Roadside Assistance
Safe Driverx
Seat Belt Use
Senior Driverx
Stable Residence
Students & Alumni
Switching Provider
Young Driverx
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Using USAA’s discounts is one of the best ways to help lower auto insurance rates. hreLet’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 you 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, just complete the driver training course and you can 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
Insurance CompaniesAverage Annual Rates with a Clean Driving RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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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 for those seeking USAA auto insurance discounts for seniors.

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USAA Military Discount

USAA car insurance 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. If you are interested in USAA insurance car rental discounts, you can also get discounts from car rental services.

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. You can and should also look into USAA accident forgiveness. Most insurers offer some version of this, and USAA is no exception.

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.

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USAA Car Insurance Discounts: The Bottom Line

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 help 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.

Are you ready to buy USAA car insurance? How can I easily compare rates online? All you need to do is enter your ZIP code to start getting auto insurance quotes today to find affordable USAA car insurance qutoes, 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 the answers to 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, there is a USAA car insurance discount for coronavirus (COVID-19). 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.