Average car insurance cost with USAA
#1 cheapest of the 6 largest insurers
What USAA customers pay on average
| Coverage level | Monthly (average) | Yearly |
|---|---|---|
| Full coverage | $112 | $1,344 |
| Minimum coverage | $49 | $588 |
| Big-six average, full coverage | $150 | $1,800 |
About USAA
USAA sells auto insurance only to military members, veterans, and their eligible family members. That restricted membership pool is a big reason its average premiums come in lowest in published comparisons — if you are not eligible, you cannot buy a policy at any price.
Why your USAA rate may differ
An average hides a wide spread. The same insurer can quote two similar drivers hundreds of dollars apart because each company weights the rating factors differently: your state and ZIP code, driving record, credit-based insurance score, vehicle, annual mileage, and the deductibles and limits you pick. That spread is exactly why comparing your own quote against what other USAA customers pay is more useful than any national average.
Paying well above $112/month for full coverage with USAA on a clean record? The crowd would probably call that overpaying — compare real quotes.
Recent quotes from USAA customers
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- $121.60/mo USAA auto in GA Sample quote — Great deal view & rate it →