BUNDLE AUTO AND PROPERTY INSURANCE

Insurance Made for the Military

We offer exceptional service, a bundle savings and many other ways to save if you're currently serving, including active duty, guard, reserve and those in a commissioning program.

Select which products you'd like to bundle:

Join USAA and Get a Quote for auto and property insurance

Custom Features and Benefits for Those Currently Serving

We understand the demands of military life. That's why we've created special benefits for you and your eligible family members.

Service and Claims

Here are some ways we can help. (Take advantage of these convenient options):

Choose a flexible payment plan that fits your military pay schedule at no extra cost. You can make your insurance payments when you get paid.^{See note1}
Do it all on the go with the USAA Mobile App. Manage your policies, get proof of insurance, file claims and more.
Get membership support from highly trained reps who understand the military and are ready to help.

Discounts and Savings

Here are some ways you can lower your renters and auto premiums:

Up to 10% off your premium when you bundle auto and renters insurance.^{See note2}
Up to 30% off your auto premium with SafePilot®, our safe driving app.^{See note3}
Up to 28% off your renters premium if you live on base.^{See note4}
Up to 60% off your auto premium when you store your insured car.^{See note5}

Who can join USAA?

Our products and services are open to current and former military and their spouses. Children of USAA members can join too.

U.S. military members and veterans
Pre-Commissioned officers
Spouses, children and dependents

Get the most out of your auto insurance for less.

Our members saved an average of $725 on their annual premium when they switched to USAA Auto Insurance.^{See note6} Here are some ways our auto insurance can fit your unique needs:

Save up to 15% on comprehensive coverage when you garage your vehicle on base.^{See note7}
Get a low annual mileage discount based on the number of miles you drive.^{See note8}
Earn accident forgiveness after five accident-free years with USAA.^{See note9}
If you're going to PCS overseas or plan to drive internationally, we can help you make sure you have the right kinds of insurance.

Get renters insurance with military benefits and discounts.

Whether you live on a military installation or not, make sure to help protect yourself and your stuff. Here are some of the ways we can help:

Get extra protection that covers your TV, laptop, gaming console, smartwatch and other electronics^{See note10} from loss and accidents, like drops and spills, for as little as $4 a month.^{See note11}
Members living in a military academy dorm can get personal property insurance for as little as $5 a month.^{See note12}
We'll cover your military uniforms and gear with no deductible while you're on active or reserve duty.^{See note13}
You can move, take and store^{See note14} your stuff worldwide and still have coverage.^{See note15}

USAA MEMBERSHIP FAQ

Is USAA membership free?

Yes, becoming a member is free. Once you have a member account, you may purchase USAA products and services. See Eligibility Guidelines.

Who is an eligible family member?

Why do I need to join just to get a quote?

Before we can offer you or a family member a product or service, you'll need to determine eligibility. That's done by answering a few basic questions, including details about you or a family member's military service.

Exceptional Service for Those Who Serve

Take advantage of benefits built for the military and eligible family members.

Join USAA and Get a Quote for auto and property insurance

IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Note 1 Restrictions may apply to installment payment options.

Note 2 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

Note 3 The USAA SafePilot program is an optional discount program available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in SafePilot to receive discount. This program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA SafePilot® App required.

Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount may vary by state and over the life of the policy.

Review the Program Terms and Conditions for more information.

Note 4 Renter's On-base discount is only available to qualifying members. Some locations may offer a higher discount. Other restrictions apply.

Note 5 Storage Discount is not available in Hawaii, North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.

Note 6 Potential average savings based on countrywide survey of new customers who switched to United Services Automobile Association and self-reported savings from July 1, 2021 to June 30, 2023. Individual savings may vary and isn't guaranteed.

Note 7 This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.

Note 8 Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Note 9 For purposes of Accident Forgiveness, “at-fault accident” means a chargeable accident under USAA's Merit Rating Plan on file in your state/location. Accidents not considered chargeable under USAA's Merit Rating Plan on file in your state/location may be used to classify the drivers on your policy or determine eligibility for certain discounts, which may increase the premium you pay. Accident Forgiveness is not available in all locations. Other restrictions may apply.

Note 10 All coverages may not be available in all locations.

Note 11 Countrywide average price for policyholders who have $1,000 in coverage as of July 2024. Rates may vary by location and risk. Rates are subject to change.

Note 12 Countrywide average price for policyholders who have $3,000 personal property coverage as of January 2024. Rates vary by location and risk. Rates are subject to change. Advertised rate does not include Liability and Medical Pay.

Note 13 No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

Note 14 For coverage to apply, property must be under a bill of lading or other professional shipping document. Breaking, marring and scratching are excluded.

Note 15 Availability of renters insurance to residents of another country is limited to qualified members.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

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Who We Serve

Active Duty, Guard or Reserve

Veterans

Eligible Family

Cadets and Midshipmen