Can I get USAA car insurance without being in the military?

Asked by: Chanel Runte  |  Last update: July 23, 2023
Score: 4.2/5 (19 votes)

Even if you're not an active military member or a veteran, you may be able to qualify for membership in the USAA, a financial services company that offers excellent auto loan terms and rates. Find out if a parent or grandparent has been a member, and you may be eligible for a USAA auto loan.

Can you get USAA insurance without being in the military?

Generally, USAA membership is open to active, retired, and separated veterans with a discharge type of “Honorable” and “General Under Honorable Conditions” from the U.S. military and their eligible family members.

Can civilians use USAA car insurance?

What is this? Civilians are not eligible for membership, but they can purchase life insurance and some types of investment accounts with USAA.

Can anyone get USAA auto insurance?

Separated servicemembers with an “Honorable” discharge. Officer candidates in commissioning programs (e.g. ROTC, service academies, OCS/OTS) Former spouses, adult children (18+), widows, and widowers of USAA members who have or had a USAA auto or property insurance policy.

Why is USAA only for military?

USAA's mission statement indicates its focus to serve its niche market, which consists of members of the U.S. military and their immediate families. To that end, the association has always marketed directly to members of the U.S. military.

Can I join USAA without being in the military?

40 related questions found

What are the requirements to become a USAA member?

To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible former dependents of USAA members may join USAA. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

Is USAA auto insurance really cheaper?

In addition to strong survey scores, USAA has the lowest rates and ranks first in our Cheapest Car Insurance Companies of 2022 rating. On average, USAA customers pay $1,000 annually for coverage, nearly 35% less than the national average.

Can I use USAA If my grandfather was in the military?

Are you wondering whether or not your grandfather would be eligible for USAA membership through your own service? No. The membership is limited to direct family lines, so spouses go to spouses, then down to children.

How do I prove my eligibility for USAA?

What do I need to provide to verify my military service?
  1. Examples of acceptable military documents include DD214(long version), Discharge Certificate, Leave & Earnings Statement or military orders if you're actively serving. ...
  2. Examples of acceptable government-issued ID include driver's license, ID card or passport.

Is USAA Bank only for military?

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.

How much is USAA car insurance?

USAA car 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.

Can I join USAA If my dad is a veteran?

Answer provided by

Yes, you can join USAA only because your father is a veteran. USAA is open to active and retired military and their families.

Which is better USAA or Navy Federal?

On the whole, Navy Federal Credit Union offers better rates than USAA. For starters, the Navy Federal Credit Union Basic Savings Account earns at a 0.25% APY. This includes all account balances, so you don't have to worry about meeting a certain balance to earn interest.

How many generations can use USAA?

As long as no generations are skipped in terms of USAA membership, one can qualify.

Can I add girlfriend to USAA account?

Can I add my girlfriend to my USAA car insurance? USAA allows you to add your girlfriend to your policy. To do so, your girlfriend must reside at the same address as you.

What family members can join USAA?

USAA membership is open to active, retired and separated veterans with a discharge type of “Honorable.” Who is an eligible family member? Spouses, widows, widowers and former spouses (who haven't remarried) of USAA members who joined USAA prior to or during the marriage, and children whose parents joined USAA.

Can I join USAA If my brother served?

USAA membership, insurance, and services are only open to current or former members of the military and military families. By military families, they mean spouses and children of military members. Unfortunately, this does not include siblings, parents, cousins, etc.

How much is USAA membership?

USAA membership is free and offers a number of perks on its own. To find out more about USAA insurance eligibility, feel free to call 800-531-USAA (8722) or have a look at a more detailed breakdown of eligibility below.

Is USAA really that good?

Complaints and customer satisfaction

USAA received an overall satisfaction score of 83 out of 100 by a pool of its customers, in a NerdWallet survey conducted online in July 2021. To put that in perspective, the average score among seven insurers was 79, and the highest was 83.

What is so great about USAA?

With monthly fee-free checking and savings accounts, generous ATM fee policies, an APY coming standard with every checking account, and many tools and programs created to help customers avoid overdrafts and meet their financial goals, USAA offers a complete package of good banking practices.

What states does USAA cover?

Subject to eligibility and underwriting approval, USAA offers auto insurance in all 50 states, Washington D.C. and some international locations.

What does USAA stand for military?

USAA stands for United Services Automobile Association. But we're not just an acronym. With roots grounded in the military, we're built on the core values of our founders — service, loyalty, honesty and integrity. Here are a few ways we live our mission.

Is USAA owned by the government?

USAA was formed in 1922 by Army Officers, and remains a privately owned, member organization.

Should I join USAA?

USAA has the best customer service of any bank or financial institution I have ever dealt with, and I've dealt with many. I've been a member of several banks and credit unions, and USAA's customer service is by far the best. Based on customer service alone, I would recommend them to people.

Does USAA have pre approval?

USAA exclusively offers prequalification to its members. Before you can receive preapproval offers in the mail or check your prequalification opportunities, you'll need to be eligible for membership and go through the membership signup process.