USAA car insurance costs can vary depending on the type of coverage you choose and your driving record, but on average, full coverage costs around $1,322 annually or $110 per month. For minimum coverage, the average cost is significantly lower, at about $356 per year or $30 per month.
Average USAA Car Insurance Costs
The price of car insurance with USAA is influenced by several factors, including the level of coverage you select and specific incidents on your driving record. Here's a breakdown of average annual and monthly costs for various scenarios:
| Policy Type | USAA Average Annual Cost | USAA Average Monthly Cost |
|---|---|---|
| Full coverage | $1,322 | $110 |
| Minimum coverage | $356 | $30 |
| With a DUI | $2,543 | $212 |
| With an at-fault accident | $1,108 | $92 |
These figures represent averages, and your individual premium may differ based on a multitude of factors.
Factors Influencing USAA Car Insurance Rates
While the averages provide a good starting point, several elements specific to you and your vehicle will determine your exact USAA car insurance premium. Understanding these factors can help you anticipate costs and potentially find ways to save.
- Coverage Type and Limits:
- Full Coverage: This typically includes liability, collision, and comprehensive insurance, offering broader protection but at a higher cost.
- Minimum Coverage: This covers the minimum liability requirements mandated by your state, resulting in lower premiums but less financial protection.
- Driving Record: Your history as a driver plays a significant role.
- Incidents like DUIs or at-fault accidents can substantially increase your premiums, as shown in the table above.
- A clean driving record, free of tickets and accidents, generally leads to lower rates.
- Location: Where you live and park your car can impact rates due to varying risks of theft, vandalism, and accidents in different ZIP codes.
- Vehicle Type: The make, model, year, and safety features of your car can affect rates. Expensive cars to repair, or those with high theft rates, often cost more to insure.
- Credit History: In many states, your credit-based insurance score can influence premiums, with better scores often correlating with lower rates.
- Age and Gender: Younger, less experienced drivers typically face higher premiums than older, more experienced drivers. Gender can also be a minor factor in some cases.
- Discounts: USAA offers various discounts that can help reduce your premium, such as:
- Multi-policy discounts (bundling auto with home or renters insurance)
- Good student discounts
- Safe driver discounts
- Vehicle safety feature discounts
- Loyalty discounts
For more detailed information on USAA car insurance pricing, you can visit AutoInsurance.com.
