USAA Car Insurance Discounts: Full List, Potential Savings, and More
Excellent
Been here before? Get your quotes back.
)
)
Written byJ.J. Starr
)
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
)
Edited byLequita Westbrooks
)
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
Car insurance discounts are more important than ever and premiums continue to rise every year. Like other insurers, USAA offers discounts to help members save on auto insurance. It offers 14 discounts, which include safe driving, bundling policies, and car storage. USAA also offers partner discounts for car rentals, cruises, and more.
Below is a comprehensive breakdown of every available USAA discount, including how much you can save and how to qualify. By the end, you should feel confident enough to take full advantage of the savings opportunities that USAA has to offer.
Full List of USAA Discounts
With 14 auto insurance discounts in total, USAA has a larger-than-average selection. The company also provides information about the value of most of its discounts, which are higher than many competitors.
Discount  | Maximum Advertised Savings |
|---|---|
| USAA SafePilot | Up to 30% |
| Usage-based program | Up to 20% |
| Multi-vehicle | Not advertised |
| Bundle and save | Up to 10% |
| Safe driving | Up to 30% |
| Basic driver training | Not advertised |
| Defensive driver training | Not advertised |
| Good student | Up to 10% |
| New vehicle | Not advertised |
| Anti-theft device | Not advertised |
| Car storage | Up to 60% |
| Military on-base | Up to 15% |
| MyUSAA legacy | Up to 10% |
| Automatic payments | Up to 3% |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Get Cheaper Rates in Minutes
Compare personalized quotes and find the best policy for you.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
USAA Driving Record Discounts
Driving-related discounts are among the most common ways to save on auto insurance and usually reward safe habits and driver training. You can access several opportunities as a USAA member to lower premiums based on your driving experience, including:
Safe driving discount: You can save up to 30% by maintaining a good driving record for five years or more. This discount is available in select locations, and the rules vary by state.
Usage-based driving program: Earn up to 20% at renewal for driving fewer miles, plus 20% savings for practicing safe driving habits.
Basic driver training discount: If you complete an approved basic driving course, you can earn a discount on your policy.
Defensive driver training discount: You can earn a discount for completing an approved defensive driver training program.
USAA Vehicle Discounts
)
Car insurance discounts are often available based on your vehicle and its systems, such as car safety features. USAA offers a few discounts based on your vehicle and its equipment, including:
New vehicle discount: USAA offers an unspecified discount for vehicles less than three years old.
Anti-theft device discount: You can get a discount for installing an anti-theft device on your vehicle.
Car storage discount: Save up to 60% while your car is in storage.
Military on-base discount: Save up to 15% on your comprehensive coverage when you store your vehicle on a military installation.
USAA Age-Related Discounts
Many insurers offer age-based discounts to teens, young drivers, and seniors. But USAA offers only one age-related discount: the good student discount. High school and college students who maintain good grades can earn a maximum of 10% off premiums.
But young drivers can access driver training discounts for completing approved driving courses. You or your parents should also look into the legacy discount if they have a USAA policy (more on this below).
USAA Payment Discounts
A little payment flexibility can save you some cash. Many insurers offer modest discounts for using auto pay, paying your premium in full at the beginning of your policy term, or choosing paperless billing.
But USAA’s only official payment discount is for automatic payments. With this discount, you can get a 3% discount when you set up automatic payments for your policy.
While USAA doesn’t offer a paperless discount, it charges a $2 fee for processing paper billing. So, switching to paperless saves you $24 annually.
USAA Loyalty Discounts
)
Some insurers reward customers for staying with them or buying additional policies through the company. USAA offers the MyUSAA Legacy discount, which provides up to 10% off to former dependent drivers on a USAA auto policy, even if they aren’t servicemembers. This allows parents to pass on savings to their children.
Additional USAA loyalty discounts include the multi-vehicle discount for insuring more than one vehicle under the same policy, but it doesn’t advertise its value.
With USAA’s bundle and save discount you can get up to a 10% discount for buying your homeowner insurance policy. Discounts for renters insurance and other company products may also be available.
USAA Occupational Discounts
Your occupation could help you save on your car insurance. Many auto insurance companies offer discounts for certain job titles, such as teachers, civil servants, and nurses. Despite specializing in car insurance policies for military members, USAA doesn’t offer a direct military discount.
But the company offers unique benefits to servicemembers, including a discount of up to 10% when you store your car on base. USAA members also get perks like the MemberShop, which allows you to earn cash back on purchases at more than 900 retailers.
You can also get discounts on car rentals, travel, tax filing, and more.
USAA Telematics Discounts
Telematics programs allow insurers to track your driving habits in exchange for a discount. These programs have become popular in the last 20 years. In most cases, you download a mobile app, and your insurer will track you through your phone. The app rates your driving behavior and offers a discount for safe driving habits like avoiding rapid acceleration and hard braking.
As a bonus, telematics can help you become a safer driver. Around 45% of drivers made significant safety-related changes in their driving after participating in a telematics program, according to a 2022 study by the Insurance Research Council.
USAA offers two telematics options to its customers. The USAA SafePilot discount awards you with savings of 10% for practicing safe driving and up to 30% off your car insurance.
Restrictions apply, so speak with your insurance agent for more info. The company’s usage-based program can help you save up to 20% for having low mileage and an additional 20% for driving safely.
)
Learn More: See if SafePilot is Right for You
How to Add Discounts to Your USAA Policy
)
Adding discounts to your USAA policy is usually straightforward, but it’s essential to understand which discounts require action. USAA automatically applies many eligible discounts, such as safe driver, multi-policy, and vehicle storage discounts, to your account.
But you may need proof that you meet the discount requirements for other discounts, including the following:
Driver training discounts: Upload a certificate of completion for an approved defensive driving course.
Good student discount: Submit a report card showing a qualifying GPA.
On-base Car storage discount: Provide details about storing your vehicle on base.
Anti-theft device: Provide proof of installation, potentially annually.
Log in to your USAA account and view your policy to see your current discounts. You can work with a USAA insurance agent to learn more about eligibility.
Other Ways to Save With USAA
USAA offers competitive auto insurance rates, but you can maximize your savings with a few strategic steps. Here are three additional ways to cut costs on your USAA auto insurance policy:
Choose higher deductibles: Increasing your deductible can lower your monthly premium. Just ensure you can cover the deductible if you need to file a claim.
Adjust coverage levels: Evaluate your policy and remove any coverage options you may no longer need, like gap insurance.
Drive less: Drivers with fewer annual miles tend to pay less than people with higher mileage.
Get Cheaper Car Insurance
Compare personalized quotes from America’s top insurers.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
USAA Insurance Discount FAQs
Navigating auto insurance discounts is tricky — especially since rules largely depend on your state. Here are some answers to the most common questions about USAA’s discounts.
How many car insurance discounts does USAA offer?
USAA offers 14 discounts, ranging from 3% for auto pay to 30% for SafePilot. But discount opportunities and values vary by state. For example, you can’t get car storage discounts in Hawaii, North Carolina, and Virginia.
How much can you save with USAA car insurance discounts?
USAA discounts can save you 30% or more on your car insurance. The company encourages drivers to combine discounts for maximum savings.
Can you stack car insurance discounts with USAA?
Yes. You can stack car insurance discounts at USAA — as many as you qualify for.
What are some of the best car insurance discounts?
Typically, the best auto insurance discounts are for safe drivers (no accidents or tickets on your driving record for a designated number of years) and telematics discounts (a discount in exchange for monitoring your driving habits). Depending on the insurer, you can save up to 40%.
What is a USAA legacy discount?
The USAA legacy discount offers cheaper rates to former dependent drivers on a USAA policy. Drivers can save up to 10% and must be younger than 25.
Sources
Insurance Information Institute, “Facts + Statistics: Auto insurance,” accessed January 14, 2025.
Insurance Information Institute, “Background on: Pay-as-you drive auto insurance (telematics),” accessed January 14, 2025.
Related articles
)
Can You Negotiate Car Insurance to Get Lower Rates?
November 18, 2022
)
Switch Your Car Insurance in 6 Easy Steps
November 15, 2023
)
Moving Out? Follow This Change of Address Checklist
March 22, 2022
)
Compare Car Insurance Quotes Online (from $16/mo.)
November 19, 2024
)
The Best Car Insurance Companies of 2024
May 21, 2024
)
5 Best Home and Auto Insurance Bundles (2024)
November 14, 2023
)
The Best Car Insurance Advice From Reddit
December 30, 2022
)
Six-Month vs. 12-Month Car Insurance
May 10, 2024
About Compare.com
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
J.J. StarrInsurance Writer
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
)
)
)
)
)
)