Estimate your monthly premium based on military status and driving profile.
Active Duty
Veteran/Retired
Family Member
Cadet/Midshipman
Clean Record
1 Speeding Ticket
1 At-Fault Accident
Multiple Incidents
DUI / Major Violation
Excellent (720+)
Good (680-719)
Average (580-679)
Poor (<580)
Liability Only (State Min)
Standard (Liability + Comp/Coll)
Premium (High Limits + Extras)
Estimated Monthly Premium:$0.00
6-Month Policy Total:$0.00
Estimated Annual Savings*:$0.00
*Estimates are based on national averages adjusted for USAA's typical military discounts and risk factors. Actual rates vary by state, specific vehicle VIN, and underwriting guidelines. This is not an official quote from USAA.
Understanding USAA Auto Insurance Rates
USAA (United Services Automobile Association) is renowned for providing insurance products specifically tailored to members of the U.S. military, veterans, and their families. While USAA does not publicly publish a universal rate sheet, their pricing models often result in premiums significantly lower than national averages due to the specific risk profiles of their membership base.
Key Factors Influencing Your Rate
Using the calculator above, you can see how different variables impact your potential premium. USAA underwriting considers several critical factors:
Military Status: Active duty members often receive specific discounts, particularly when deployed. Storing a vehicle on a military base can also affect comprehensive coverage rates.
Driving History: As with all insurers, a clean record is your best asset. USAA rewards safe driving, but a DUI or at-fault accident can spike premiums, though often less severely than with standard carriers.
Vehicle Value: The cost to repair or replace your vehicle directly correlates with Collision and Comprehensive coverage costs. Higher-value vehicles naturally command higher premiums.
Credit-Based Insurance Score: In most states, insurers use credit history as a predictor of risk. USAA members with "Excellent" credit often see the lowest possible rates.
Coverage Levels Explained
The "Coverage Level" selection in our tool adjusts for three common scenarios:
Liability Only: Covers damage you cause to others. This is the cheapest option but offers no protection for your own vehicle.
Standard: Adds Comprehensive (theft, weather) and Collision (accidents) with standard deductibles (e.g., $500).
Premium: Includes higher liability limits (e.g., 100/300/100), lower deductibles, and extras like rental reimbursement or accident forgiveness.
USAA Specific Discounts
One of the unique benefits of USAA is the "Subscriber's Account." Long-term members may receive a portion of the company's profits returned to them, effectively lowering the net cost of insurance over time. Additionally, discounts are often available for:
Safe Pilot program participation (telematics).
Multi-vehicle bundles.
Bundling with Homeowners or Renters insurance.
Vehicle storage during deployment.
Use this estimator to gauge your budget, but always contact USAA directly for a binding quote tied to your specific VIN and service history.
function calculateUSAARate() {
// 1. Get Input Values
var age = parseFloat(document.getElementById('driverAge').value);
var vehicleValue = parseFloat(document.getElementById('vehicleValue').value);
var status = document.getElementById('militaryStatus').value;
var record = document.getElementById('drivingRecord').value;
var credit = document.getElementById('creditTier').value;
var coverage = document.getElementById('coverageLevel').value;
// Validation
if (isNaN(age) || isNaN(vehicleValue) || age < 16) {
alert("Please enter a valid age (16+) and vehicle value.");
return;
}
// 2. Base Rate (Hypothetical national base for a standard risk profile)
var monthlyBase = 85.00;
// 3. Age Factor
var ageFactor = 1.0;
if (age < 21) {
ageFactor = 1.65; // High risk
} else if (age 65) {
ageFactor = 1.10; // Senior slight increase
} else {
ageFactor = 1.0; // Prime driving age
}
// 4. Vehicle Value Factor (Cost to insure the hull)
// Assume roughly $4 per month per $1000 in value over $10k for Comp/Coll
var valueSurcharge = 0;
if (coverage !== 'liability') {
if (vehicleValue > 10000) {
valueSurcharge = ((vehicleValue – 10000) / 1000) * 3.5;
}
}
// 5. Driving Record Factor
var recordFactor = 1.0;
switch(record) {
case 'clean': recordFactor = 1.0; break;
case 'ticket': recordFactor = 1.22; break;
case 'accident': recordFactor = 1.45; break;
case 'multiple': recordFactor = 1.85; break;
case 'dui': recordFactor = 2.50; break;
}
// 6. Credit Tier Factor
var creditFactor = 1.0;
switch(credit) {
case 'excellent': creditFactor = 0.85; break;
case 'good': creditFactor = 1.0; break;
case 'average': creditFactor = 1.25; break;
case 'poor': creditFactor = 1.60; break;
}
// 7. Military Status Discount (USAA Specific Logic)
var statusDiscount = 0.0;
switch(status) {
case 'active': statusDiscount = 0.15; break; // 15% discount
case 'veteran': statusDiscount = 0.10; break; // 10% discount
case 'family': statusDiscount = 0.05; break; // 5% discount
case 'cadet': statusDiscount = 0.12; break;
}
// 8. Coverage Level Multiplier
var coverageMultiplier = 1.0;
switch(coverage) {
case 'liability':
coverageMultiplier = 0.6; // Much cheaper, removes vehicle value surcharge logic mostly
valueSurcharge = 0; // No hull coverage
break;
case 'standard': coverageMultiplier = 1.0; break;
case 'premium': coverageMultiplier = 1.4; break;
}
// 9. Calculation Algorithm
// Formula: (Base * Age * Record * Credit * Coverage) + ValueSurcharge
// Then apply Military Discount
var adjustedPremium = (monthlyBase * ageFactor * recordFactor * creditFactor * coverageMultiplier);
// Add vehicle surcharge (only affects comprehensive/collision portion)
// We modify the surcharge based on record too (bad drivers wreck expensive cars more often)
var totalSurcharge = valueSurcharge * (recordFactor > 1 ? recordFactor * 0.8 : 1.0);
adjustedPremium += totalSurcharge;
// Apply Discount
var finalMonthly = adjustedPremium * (1 – statusDiscount);
// Ensure minimum reasonable premium
if (finalMonthly < 45) finalMonthly = 45;
// Calculate 6-Month and Savings
var sixMonthTotal = finalMonthly * 6;
// Competitor comparison (Generic "Market Rate" is usually 20-30% higher than USAA)
var marketRate = finalMonthly * 1.25;
var annualSavings = (marketRate – finalMonthly) * 12;
// 10. Display Results
document.getElementById('monthlyResult').innerText = "$" + finalMonthly.toFixed(2);
document.getElementById('sixMonthResult').innerText = "$" + sixMonthTotal.toFixed(2);
document.getElementById('savingsResult').innerText = "$" + annualSavings.toFixed(2);
document.getElementById('resultBox').style.display = "block";
}