Who Is Eligible For USAA Insurance?

YetiFacts
  • USAA is a full services financial company offering various insurance, banking and investment products to military members and their families. They started solely as an auto insurance company.
  • USAA stands for United Services Automobile Association.
  • USAA offers insurance for members of the military and their immediate family members. But to get a little more specific, along with enlisted personnel of the U.S. military, you can be a retired or honorably discharged member of the military.

Are You Eligible For USAA?

USAA is a full services financial company offering various insurance, banking and investment products to military members and their families.

They started solely as an auto insurance company. USAA stands for United Services Automobile Association. They were founded way back in 1922 when 25 American Army officers began the group because they couldn’t get car insurance. At the time, the insurance companies believed that as military officers, they were a high-risk group.

So, these 25 officers created USAA so that they and other military members could get adequate coverage.

If you’re thinking about getting insurance with USAA and have questions about USAA eligibility, we’ve got answers.

Check Our Our Review of USAA Car Insurance.

Who Is Eligible For USAA?

USAA offers insurance for members of the military and their immediate family members.

But to get a little more specific, along with enlisted personnel of the U.S. military, you can be a retired or honorably discharged member of the military.

If you’re an adult child of a parent who is a USAA member, you can also become a member.

If you are a widow or widower of a former USAA member, you can also get it.

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How Does The USAA Verify Eligibility?

USAA is a company that offers many benefits to military veterans, but they do have some requirements. They’ll ask for proof of service and I.D.’s or documents showing discharge from active duty in order for you be eligible as well!

USAA Insurance Discounts

Although there are many discounts, they are generally the same as what you would get with other auto insurance policies.

You can get a USAA “safe driver” discount if you have a clean driving record for at least five years. Unfortunately, not all states offer it. However, if you are able to get it, you could save as much as 30% on your insurance.

If you are enrolled in approved courses, you may be eligible for a “defensive driving” discount. USAA cannot tell you how much you could save without talking to your customer service representative. It all depends on where you live.

Drivers under 21 can receive a discount on a basic driving course. This discount could be up to 20% if they live in a state eligible for SafePilot, the USAA’s safe driving program.

Students who are good students can receive a discount. High school and college students with good grades can also get a discount. Talk to your customer representative, but many companies will offer discounts of 10-15% for students with good grades.

Stack Your Discounts. USAA encourages discounting so that you can keep your premium low. Are you able to obtain enough discounts to reduce your premium to zero? You won’t be able to get enough discounts to bring your monthly premium down, but there are many ways you can reduce it.

Bundle Discounts: If you have homeowner’s or renters insurance from USAA and you add auto insurance to it, you can save up to 10% on your renters or homeowners insurance.

Additional USAA perks

Accident forgiveness. This optional feature is available after you have paid for five years. Your rates will not increase if you are in an accident. You must remember that accident forgiveness is only available for five years. Some people believe that “accident forgiveness” is a valuable perk, while others do not think so.

USAA provides perks for military personnel, in addition to the usual insurance company benefits like accident forgiveness. USAA knows that you must store your car somewhere if you are deployed. When you store an insured vehicle, they offer discounts up to 60%

Are you a parent of an adult child looking for insurance? What if your child wasn’t in military service? It’s fine. You can save as much as 10% by getting a USAA policy for your kids’ car insurance.

Are you parking your car in a garage at a military base? Comprehensive coverage can be as low as 15%

USAA members get discounts from many retail partners. These include 25% off FTD Flowers orders, 36% off FedEx Shipping, and steep discounts at gyms. USAA MemberShop is a program that partners directly with more than 900 brands, including Apple, Home Depot, and Staples. This means that if you shop on their website, your prices will be lower than what you would pay in brick and mortar stores.

Frequently Asked Questions

Frequently asked questions

How does USAA determine eligibility?

The relationship that an individual has with another USAA member is the most important factor in determining whether or not they are eligible for membership in the organization. You may be eligible for your own USAA membership if you are a spouse, former spouse who has not remarried, or child of a member of the United Services Automobile Association.

Can civilians get USAA?

Even though civil servants are not eligible to become members of USAA, they can purchase life insurance and certain types of investment accounts through the organization.

Can you get USAA without being in the military?

Even if you are not a member of the military or a veteran, you may be able to qualify for membership in the United Services Automobile Association (USAA). Find out if a direct family member has been a member of the United Services Automobile Association.