re: Does USAA have better insurance rates and service, generally speaking?

I've had USAA since 2003. started with home owners and auto at that time. I recently switched auto insurance to Progressive because it was significantly cheaper when we added my first child to our policy. I kept home owners and don't even shop it b/c I hear horror stories on here about home insurance. I've made one claim for a roof with them and it was an easy process. However, when I made my claim they handled in house. My mother made a claim more recently for a roof and it wasn't quite as smooth, and I found out during that process that it's a third party that handles the claims now. still not bad enough of an experience to switch

had to go to USAA when Farm Bureau went full retard on Homeowners ins. USAA was cheaper overall, but I intend to shop them before long. They aint cheap and customer service is good, but they are more about marketing than anything else.

Everyone said it correctly.

Exceptional customer service, but their rates are some of the highest.

Car insurance was quoted 1.85 times higher than Progressive for the exact same comp coverage so I left USAA 3 years ago because of this. When I called to cancel, the rep was using his sales tactics to try and get me to stay (understandably), but hey man I’d rather pay $500 less per 6 months.

Seems to be tiered based on rank, and it doesn't necessarily translate to family members. My late SO's father was a retired Navy Captain. They treated him like royalty. Her, not so much.

Join with just the banking relationship. Then they will be an option for insurance.

They were the only HO insurer I could get a quote from after Katrina, so there is some benefit to having access to their insurance.

I dropped their home and auto many years ago based on price. Maintain minimal banking to preserve the relationship.

Because it never happened.
In the 90s they opened it to all enlisted and their families, not just officers.

I have yet to have a better quote on insurance from them. I give them a shot each time but never use them

this is just a personal anecdote but I do sell insurance at an independent agency. just sold a USAA member a home policy with $1.12 million in replacement cost for $2200 and his 6 cars for a little over $200. This is central Alabama so your mileage may vary in other states. Ended up saving the guy over $2,000 a year between home and auto switching from USAA. We've been writing a ton of Allstate home policies this year since they rolled our their new home policies at the end of 2025 so may be worth looking into them. I've heard multiple complaints about service levels sliding as well. Between the big 3 (state farm, allstate, alfa), your home and auto are basically the same policies regardless of the company. Your policy will only be as good as your agent/agency so keep that in mind when picking.

I've been with USAA over 50 years. Every time I see a commercial for them, I get pissed off. They need to get back to what their initial mission was.

As a "cadre" member I get treated well and being an old fart I get an annual payment which equals about 1/4 of my annual car insurance.

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Service? In my experience, Yes.

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entire tech support and customer support has been outsourced to India. Real great patriotic and veteran centric company.

I left them the second a pajeet answered the phone and said his name was Mike.