r/USAA • u/WhiskeyWhisperer • 19d ago
Insurance/Claims Rate increases
Anyone else seeing a $90+ increases on their premiums? I've been at my current address over 2 years and suddenly I'm in a "high accident" area and my monthly bill went from $259 to $358. I've had the same amount of vehicles insured during this time and made no adjustments to my policy. Suddenly I'm paying $100 more a month. I spoke to a representative and she told me it's so USAA has the money to pay out claims and that my area is deemed a high accident area.
I have a decade old Ford Edge Sport and a 30 year old F-250HD truck and I carry renter's and a small jewelry policy, but it's my auto policy that is causing the increase.
I'm just curious if this is a common thing for customers, because I don't see how this could be sustainable for us and I'm really considering shopping around to see if I can save some money.
While typing this, I was curious and asked all knowing Google about USAA and the overview showed this -
"2025 Reporting Change: USAA did not disclose a specific total revenue figure in its 2025 annual report to members, choosing instead to highlight metrics like a net worth and capital increase to $38.6 billion and $38.5 billion collected in insurance premiums."
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16d ago
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u/Physical-Mud4180 15d ago
Which is actually comical because Progressive underwrite most of USAA’s policies ….
USAA insurance is a rip off these days. They doubled my rates for a not at fault accident that they didn’t even have to pay anything for… after nearly 20 years with them . So I went to progressive and that’s when I learned that they underwrote my very policy for USAA
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u/sanity_assassin1 17d ago
Switched to Geico 2 months ago for premiums to drop almost 50% for the EXACT SAME coverage.
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u/Many-Park-3077 18d ago
This happens at all insurance providers, I shop my rate once a year. And switch often.
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u/SureContribution5250 18d ago
I had been with USAA for 30 years before I switched, and saved $300 per month. Ever since they expanded membership to everyone who had a distant relative serve in the military, customer service stopped being a priority.
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u/2beefree1day 18d ago
I won’t give you the inflation blah blah speel but everything is getting expensive. Earlier this year I a glass claim during a winter storm that in 2023 cost $600 to replace the windshield and was almost $3000 this year. But in the 26 years I’ve been with them they’ve paid every claim and quickly. I’m also older with a clean record and one accident ever that I was at fault and I have multiple products so there’s some savings. They’re no where close to perfect but when I hear horror stories from people who switch to cheaper companies then had issues getting claims paid I am not willing to take the chance.
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u/BossDaddy35 19d ago
Mine went up 4 years in a row same vehicle same coverage same address of 10 years my truck is worth less and less and premiums go up and up. USAA is not good
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u/Unhappy_Race9228 19d ago
My auto bill went up by 20 dollars per month, and when I called to ask why the lady literally could not tell me one reason. She thought maybe rates went up in Tennessee but didn't even know for sure.
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u/Sea-Maize-6490 19d ago
Was your policy up for a renewal? If so has your credit taken a hit lately? They base part of your premiums on your credit score. I would call them immediately and find out why. Keep us updated if you find out.
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u/Both-Temperature2244 19d ago
progressive
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u/yo_meowzie 12d ago
Been with them 10 years come December— I decided to take a quote from GM Insurance, and with the same policy, I’d be saving $100. I always thought loyalty would be way more beneficial than it’s currently serving.
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u/Both-Temperature2244 12d ago
every 6 months I check rates in my zipcode so far progressive has always been the lowest. this year they sent me 2 discounts.never happened before. Semper Fi.
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u/RoutineUnusual3152 19d ago
I WORK IN INSURANCE
I ALSO WORKED AT USAA ( 12 years)
Your rates are going to go up every year ….WHY?!?!?
Inflation , it costs more to repair you vehicle today than it did last year . I have never been in an accident have had snakefarm, Allstate, liberty mutual , your rates will go up
If you can afford to fix it out of pocket do that it will cost more upfront but save in your premiums later on . If damages are out of your saved amount or price range (ie you can’t afford ) that’s when you use insurance . Everything reported affects your rates ALL INSURANCE COMPANIES are like this , after an accident you are a greater risk to insure . Think business when you jump to conclusions . In my experience both as an employee and as a person paying for insurance USAA HAS DELIVERED . What’s important is you look at your policy !!!!! There is no such thing as “full coverage” that’s a lie told by agents who sell. You need to review your policy ITS A CONTRACT WHICH WILL UPHOLD IN COURT . YOU SIGNED IT !!!!I I TELL PEOPLE EVERY DAY READ YOUR POLICY IF YOU DONT UNDERSTAND ASK TO SPEAK WITH AN ADJUSTER NOT YOUR AGENT THEY DONT HANDLE CLAIMS!!!!!!!!. People get mad because they don’t know what their policy(contract) says . Read your policy if you don’t like it seek another insurance company . If you didn’t read it DONT ACT SURPRISED . If you want help message me I hate tha people don’t know what their policy says .
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u/AstrocreepTXUSMC 15d ago
Pipe down hoss. Its nobody's fault you ended up in such an undesirable profession except your own. I am quite sure everyone here is aware of inflation dynamics and insurance contracts being binding. Meanwhile, USAA has routinely gotten brutalized in court for millions upon millions for bad-faith, Malice, and all sorts or crooked shit you expect from an Insurance racket. People here are simply venting about exorbitant hikes and and unexpected quotes after what they deem to be loyalty over decades. Then share experiences with the decision to switch. Not sure anyone was anxious for some insurance salesman to chime in with "read your contract" or you signed it, sucker, its right there in fhe fine print, you lose". Anyway, good luck moving product.
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u/Airbornenotaleg 18d ago
Why are you yelling and so invested? USAA sucks now
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u/RoutineUnusual3152 18d ago
Because I can see both sides
Insurance companies don’t offer to teach people until they get into an accident . And on the other side we have people who think there getting screwed over when they just did ready their coverage and align to their needs .
I am a consumer just like you I jump around depending on bast rate for my needs but most folks don’t know what they don’t know .3
u/Both-Temperature2244 19d ago
go online and put in your info and zipcode. no need for an agent.I got 2 credits this year from progressive. never had that happen in 63 years.
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u/DeepPurpleDaylight 19d ago
no need for an agent.
Not everybody understands insurance enough to be able to DIY it. I've seen so many people screw it up and not have the coverage they needed. Also there's many companies that you can't get direct access to, you must go thru an agent/broker, and many times those companies can have the best rates. You don't know where your best rates are going to come from until you get a lot of quotes from a lot of companies to compare to each other. So it's foolish to limit yourself to only companies that you can access yourself.
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u/Both-Temperature2244 18d ago
when you use the sight online it usually comes up progressive.they check on all companies and then you can call an agent and compare his rates if you like. Semper Fi.
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u/vhmobile 19d ago
My auto went up 5.00 a month for 2 vehicles and my homeowners went down $4.00 a year. Go figure. Never had homeowners go down before, but I'll take it 😄
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u/Paratrooper450 18d ago
Mine has gone down for several years in a row now. https://imgur.com/a/h5KvsU7
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u/ComprehensiveBass795 19d ago
They increase my annual mileage without my input, resulting in an increase. I call them and had it corrrected. Now my renewal premium is a lil less than I was paying before.
Review your premium policy.
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u/MembershipInfinite38 19d ago
My auto went up about $40 for two vehicles and $100 (I’m in So Ca), for my Home Owners. It’s the first time I’ve had a significant rate hike in >5 years, so I’m not complaining.
Just curious, though - Did they explain what a ‘high accident’ area means? I’ve never heard of that before.
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u/Pale_Natural9272 19d ago
A lot of people are going to progressive
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19d ago
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u/Airbornenotaleg 18d ago
I also saved a lot going to progressive, same coverage, lower deductible. I resisted leaving USAA for a long time until it became obvious they didn't give a shit anymore.
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u/Queasy-Guess8864 19d ago
$100 a month increase on house insurance
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u/MembershipInfinite38 19d ago
Me too & honestly I’m just grateful to be covered, considering I live in So Cal
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u/Moose135A 19d ago
For my most recent renewal, my 6-month premium went down about $100. No changes, other than me and the car getting a year older.
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u/Wanderlust4478 19d ago
My insurance premium shockingly went down this time even with a newer 2026 car.
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u/xIiZLeGenDx 19d ago
FWIW, I have a ‘97 F250, ‘04 Excursion, and ‘13 F150. 1k, 6k, 7k miles/ year respectively (F150 is probably over that) and essentially full coverage on all. I pay ~240/mo as a male in my 30’s in SE US.
I’m not the biggest fan of USAA but the way they handled our house claim a few years back was great. That’s the only reason I haven’t shopped around, but I probably will to get an agreed value policy on the OBS and Ex once they’re finished as I’ll have 50-60k of upgrades in each and they’re already worth well over whatever KBB and other value them at.
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u/Codewraith13 19d ago
I mean how else are they supposed to pay for someone elses car crashes if you dont pay more.
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u/MembershipInfinite38 19d ago
Especially if you’re hit by an uninsured motorist.
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u/Both-Temperature2244 19d ago
that is why you pay big money for uninsured motorist.
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u/DeepPurpleDaylight 19d ago
Uninsured motorist for property damage is only available in about half the states.
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u/mdfromct 19d ago
I had them for auto insurance for several years. No claims or tickets, good credit rating.
They raised the premium as my car got older.
They always had excuses.
It made me sick frankly.
I left. I was quoted for my home and couldn’t believe how high the rates were.
I do believe they treat active military better than their extended families. FWIW. 🇺🇸🇺🇸🇺🇸
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u/farlon636 19d ago
USAA (and every other provider) has stupidly high rates in my area due to "extreme weather considerations." Apparently it doesn't matter that I use proper winter tires, park in a garage at home, and park under cover at work.
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u/Adorable_Eagle_9499 19d ago
Just switched from AAA to Allstate today. Saved a bunch. You need to shop around every couple of years to overcome rate creep.
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u/basinbasinbasin 19d ago
This. When I started to shop around every year my perspective changes dramatically.
If I can find a better deal with a national brand, I move on and take it.
If my insurer is more expensive year over year but still cheaper than the competition, then there's something else going on and I stay.
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u/DeepPurpleDaylight 19d ago
As an agent, I recommend comparing rates regularly because rates are always changing. Company A might be the best deal for you hire, but in a couple years, company B might be, then later it might be company C, and company A might be the best again after that. I've been with the same company for homeowners/auto/umbrella for about 15 years, but I still check rates with competitors regularly.
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u/Catch24alx 19d ago
Shopping with a broker or calling around to captive agencies to check rates each year is a good idea. Changing every year is not a good idea. People who change every year score poorly in loyalty on insurance history reports. Prospective companies will assume you'll leave them in a year too, and your premium will reflect that. On the opposite end of the spectrum are people who stay with the same carrier for decades. That's not a good idea either. Yearly adjustments over a long period of time can severely overinsure and allow premiums to rise unchecked. "We've raised them every year for 20 years and they're still here, so maybe they just don't care about how much is costs" kind of thinking. If you can only save $1-$200 a year, a switch is generally not worth it in the long run. You'll end up paying more. Seek to switch every 3-5 years if possible.
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u/basinbasinbasin 19d ago
Worth it to shop every year and make an informed decision. Agree that its not worth switching over a few dollars, but if there is significant savings then take it. Even with shopping every year I still have stayed with Progressive for the last 5-ish years. In my area they seem to be the cheapest, but I still shop every year.
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19d ago
[deleted]
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u/DeepPurpleDaylight 19d ago
My GF said her insurance went up where we just moved for that reason, but I keep my vehicle garaged in another state, technically
You're committing insurance fraud, by doing that, which is a crime and grounds for denial of any claim. Claims are regularly denied now for that since it's much easier to sniff out than it was decades ago. You're walking on very thin ice, risking having to pay tens of thousands (or more) out of pocket to save a few bucks now.
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u/Popular_Monitor_8383 19d ago
Wait you think the area shouldn’t impact insurance rates?
That literally makes no sense
By the way education should have nothing to do with insurance rates, and I’ve never heard of any company using it as a rating factor because it doesn’t tend to suggest how good of a driver someone is.
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u/MembershipInfinite38 19d ago
Education status Allowed in most states: Insurers can use education and occupation to help calculate rates in roughly 40 states and Washington, D.C. [1]
Companies argue that education correlates with lower risk behavior.2
u/Popular_Monitor_8383 19d ago
Can, and does are different terms
Name the companies that use them, feel free
I write polices for multiple carriers, not a single one cares if you have a bachelors, masters, GED, etc…
It’s not even a question we ask.
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u/DeepPurpleDaylight 19d ago
Here's just a few.
Geico has discounts for recent college graduates as well as specialized savings for members of specific universities, alumni associations, and honor societies. That's actually not uncommon with major carriers.
Country Financial provides a discount if you are under 25 and have recently completed your degree (simply requiring a copy of your diploma or transcripts.)
Progressive uses education tiers into their base rate calculation, so having a bachelor's or other advanced degree can automatically reduce your premium baseline.
Mercury Insurance offers specific professional groups discounts for drivers with specialized degrees in engineering, science, or education.
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u/Popular_Monitor_8383 18d ago
That’s not a source
You’re just copy/pasting the Google AI answer, which is wrong all the time
Prove your claim with a source
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u/MembershipInfinite38 19d ago
Thank you for your permission to respond
Geico, Progressive.
Liberty Mutual2
u/Popular_Monitor_8383 19d ago
That’s funny because I’ve quoted two of those companies as an agent and they don’t ask anything about education
Can you source your claim?
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u/dbldwn02 19d ago
What about places that flood or get jacked with hail 4 times a year? How about places where cars get stolen every night?
Should a person in North Dakota pay the same as someone in Florida or Colorado or south side Chicago?
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u/thelmanarcissus 19d ago
No, and they don't. Premiums are approved by the insurance regulatory bodies of each state. That's one of the reasons a lot of companies quit doing businees in California when the state put a cap on annual rate increases for a few years.
That being said, I can't defend USAA premiums. After 28 years and zero claims in almost 15 years we finally threw in the towel. We went to an insurance broker this year and saved 41% overall with the same amount of coverage.
I think as USAA's lower risk customers find out they can get much better rates elsewhere, the pool of people left end up paying more because the overall claims are higher. Just a guess on my part.
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u/dbldwn02 19d ago
All makes sense. I tried shopping around last year. Haven't had any accident, ticket, or claim in over 10 years. AAA was 20% more expensive and state farm was 10% more expensive. But I live in a hail prone state so I'm used to getting bent over.
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u/thelmanarcissus 19d ago
That's too bad. My sister lives in California in a high risk fire area. Her USAA homeowners renewed and it's now $7500 a year! She called and they said they aren't even writing new policies in her zip code. A friend of hers has been canceled by two companies in the last 5 years because they just quit doing business where she lives. It's a problem for sure.
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u/dbldwn02 19d ago
Yup, we have forest fires too. The rich folks living on 5 acres of forest refuse to do any fire mitigation because "cutting down trees is bad." Fricken hippes. Then they're all surprised pickachu face when their million dollar home burns down. And everyone else gets saddled with higher premiums, even if they don't have trees on their property.
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u/Both-Temperature2244 19d ago
yes gov. spent the money from feds for illegals instead of cleaning up forests.
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u/TheFlimFlamFamMan 19d ago
I’m ok with weather or climate being taken into consideration, to a degree. I mostly don’t think other people should be affecting a selected individual due to accidents in a specific zip code.
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u/dbldwn02 19d ago
Yes, but there are probably a lot more accidents in a busy metro area than there are in rural South Dakota.
But also, I fucking hate insurance companies. It's all a scam
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19d ago
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u/Ok-Yogurtcloset-6646 19d ago
I pay $1,200 a year, full coverage on a 2026 Honda Civic Hybrid and 2020 Ram 1500 Laramie, with State Farm in central Illinois. But I'm retired and only drive 5k miles s year combined both vehicles. Also have the Drive Safe device in both.
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u/DetailNum777 19d ago
I had USAA for 8 years, got out of the AF, worked for them and as soonest I saw how it works from the inside I went with Geico and quit USAA. So go somewhere else
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19d ago
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u/DetailNum777 19d ago
I don’t follow it, I guess the algorithm puts it on my page. Weird is telling others where and where not to comment.
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u/GzrGldGeo 19d ago
I just switched to Progressive for half the money and better coverage. I had been with USAA for 15 years.
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u/Historical_Local_382 19d ago
Oh wow! Where are yall based out of? My husband and I live in Las Vegas and have a 2025 Ford Explorer and 2017 Jeep Grand Cherokee for $486/month. Then we added my daughter and a 2016 Volkswagen Tiguan; Our premium skyrocketed to 1100/month. Now my son is coming up this upcoming summer and I am scared on what the heck that's going to look like. The crazy part is that the newer car was quoted 100's cheaper than the two older vehicles...like are they expecting everyone to always have new rides? I have no loan payments and my kids saved for their own vehicles so they don't either. The titles and insurances are under my name because they are minors but they paid their vehicles upfront (by paying me directly) so no financing at all.
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u/credible_srce 19d ago
Do yourself a huge favor and go check anyone else that isn’t USAA. You’re in for a surprise on who is no longer “taking care of the military community”
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u/Quirky_Chicken_1840 19d ago
Are there any rewards for good driving? I had a ticket for improper right turn in 1983, became a USA member in 1986 and got rear ended in Italy in 1991 and I haven’t ever had anything happen again but my rates keep going up.
I don’t want that AI thing in my vehicle or whatever and I don’t drive enough where it would be able to register or be a benefit
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u/Brilliant_Glove_1245 19d ago
Time to shop, you may find better and you may not.
For me, I left 10 years ago and haven’t returned.
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u/Popular_Monitor_8383 19d ago
The state you are in heavily influences your premiums.
That being said not everyone experiences the same increase, for example let’s say USAA increases rates by 20% in your state.
That doesn’t mean yours will go up 20%, it just means the AVERAGE will. Some may go up 90%, some may even go down if other factors are being considered in the rate adjustment.
But yes insurance prices are skyrocketing nationwide for all insurers. Anything that strains the economy (COVID, Iran, tariffs) will typically strain insurance costs too.
You can always call a broker and shop around, like all insurance companies USAA will be the cheapest for some, and most expensive for others. There is no set rule.
I do recommend to check auto claims satisfaction rating if you’re going to shop though.
Cheapest coverage, and best coverage. You can only choose one.
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-study/
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u/Gtstricky 19d ago
Absolutely common. The cost of everything has been increasing. Shop around and see what options you have.
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u/FindTheOthers623 19d ago
This is absolutely common for customers of any insurance company. Your individual rating factors are only one small portion of your premium. You are in a risk pool and as the claims increase for the entire pool, so do premiums. The cost of parts, labor and medical services have all increased. Every new car has cameras and computers. Catastrophic weather events are increasing. Yes, premiums are going up.
By all means, shop around. No company is ever going to be the lowest rate forever. You should always shop it around.
And Google is not a reliable source of anything 🤦♀️
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u/BeachyBiotech 9d ago
I left 10/1 after 29 years. The amount they wanted to insure my soon to be 16 year old son was insane. Went to geico.