Military Insurance Review
USAA Insurance Review for Veterans (2026)
/5 Overall
AM Best: A++
Military Only
Military members, veterans, and their families
Our Verdict
USAA remains the gold standard for military insurance. If you qualify, start here.
Key Facts
| Deployment Discount | Yes - up to 60% |
| OCONUS / Overseas Coverage | Yes |
| Products Offered | Auto, Home, Renters, Life, Health |
| BBB Rating | A+ |
| JD Power Claims Score | 900/1000 |
| Avg. Annual Auto Premium | ~$1,200 |
USAA Pros & Cons
Pros
- Best-in-class military discounts and deployment protections
- OCONUS coverage available for overseas assignments
- Top-rated claims process - fewest complaints of any major insurer
- Membership benefits extend to entire family
Cons
- Restricted eligibility - requires military affiliation
- No local agents - online/phone only
- Premium can be higher than non-military alternatives in some states
Frequently Asked Questions
Military members, veterans, and their families. This is a military-exclusive insurer.
USAA offers a deployment discount of up to 60% when you are deployed.
USAA offers Auto, Home, Renters, Life, Health insurance products.
USAA holds an AM Best rating of A++. AM Best ratings measure financial strength and ability to pay claims.
USAA offers coverage for overseas and OCONUS assignments, making it a solid choice for those with international postings.