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 USAA comprehensive car insurance provides comprehensive coverage for your vehicle, including collision and theft. USAA is well know to be the cheapest car insurance in the US. In this article we will answer some questions related to the comprehensive car insurance costs from USAA.

USAA offers the cheapest comprehensive car insurance rates in the country

What is USAA Comprehensive Car Insurance

USAA comprehensive car insurance is a type of car insurance that covers damage to your vehicle caused by incidents other than a collision, such as theft, fire, or vandalism. This type of insurance also covers collision damage, regardless of who is at fault.

Factors that Determine the Cost of USAA Comprehensive Car Insurance

There are several factors that determine the cost of USAA comprehensive car insurance. These are several factors that will make your policy increase or decrease:

Driving History:

Your driving records will have a heavy weight on your comprehensive car insurance premiums. For example, if you’re a good driver with a clean record, you have never filed any claim to your insurer, you will likely to pay less than someone who has one or several speeding tickes, and you will pay even less than someone who got caught drivng under influence.

Vehicle Make and Model:

Your vehicle is one of the most important factors to determinate how much will you pay for your premiums. Is not the same to insure a Subaru Outback than a Ford Mustang, their safety device, their horsepower, and their way car robbers look at both cars are completely different.


Your zip code will drastically affect on your comprehensive car insurance premiums. Someone who live in the Saint Hellena will always pay less than someone who live in Los Angeles. That’s because LA’s cost of living his higher than Saint Hellena, the amount of traffic is lesser in that town compared to LA, so the risk to suffer an accident is minor.

Age and Gender:

Stadistically female drivers pay 12% less than male drivers. The age is another relevant factor to calculate your premiums, the driving experience is higher from a 50-year-old driver than a teen one.

How Much is USAA Comprehensive Car Insurance?

USAA is well-known for offering the cheapest car insurance policy in the US. We must to know each state have their own car insurance laws, and their average insurance costs will vary too. On average, USAA Comprehensive Car insurance for a 35-year-old driver with a clean record, never filed a claim, driving a Subaru Outback will pay $158 per month.

How to Lower Your Insurance Premium

You can always use some of the following tips to decrease your comprehensive car insurance premiums:

Maintaining a Clean Driving Record

The most effective way to lower your insurance premium is to maintain a clean driving record. Avoid traffic violations and accidents, and your insurance premium will remain low.

Choosing a Safe Vehicle

If you’re a good driver you will pay way less money than someone with a bad driving record. Remember: someone who has been caught DUI will pay up to 160% more than someone with a clean record. Don’t risk yourself speeding, you will only arrive 2 or 5 minutes sooner and yoiu risk to suffer an accident.

Increasing Your Deductible

The higher you set your deductible the less you will pay for your comprehensive car insurance premiums. That is because you’re giving to your policy a signal you won’t file a claim such lightly, meaning you will only file a claim when is only necessary.

Taking Advantage of Discounts

USAA offers several discounts to help you lower your insurance premium, including discounts for good drivers, safe vehicles, and more. Be sure to ask your USAA representative about available discounts.


Comprehensive car insurance is the best option for someone who's buying a new car, many lenders will request you to add this coverage option for your car. On average, USAA's comprehensive car insurance costs $158 per month. Many factors will affect on your car insurance premiums such as: your drivng record, your claim history, your vehicle's make and model or your age and gender. You can always lower your premiums by increasing your deductibles, bundling your policies, or taking a safe driving course.


Here are answers to some frequently asked questions about USAA comprehensive car insurance:

Q: Is USAA comprehensive car insurance required by law?

A: No, USAA comprehensive car insurance is not required by law. However, it is recommended for drivers who want comprehensive coverage for their vehicle.

Q: Does USAA comprehensive car insurance cover damage from natural disasters?

A: Yes, USAA comprehensive car insurance covers damage from natural disasters, such as hurricanes, tornadoes, and earthquakes.

Q: Does USAA comprehensive car insurance cover theft?

A: Yes, USAA comprehensive car insurance covers theft of your vehicle.

Q: How does my driving history affect the cost of my insurance premium

A: Your driving records is one of the most critical factors to determine how much you will pay on your premiums. If you're a good driver, then you will pay less than someone who has been driving under influence, or someone who has many speeding tickets.

Q: Can I lower my insurance premium by choosing a safer vehicle?

A: Absolutely, a safe car will make your rates decrease, any sort of safety device installed in your vehicle will also affect on your comprehensive car insurance premiums, anti-thef alarms or driver assist will make you pay less premiums.

Other readers were also interested in some of the following posts:

Where to get Comprehensive car insurance?

How Much is Allstate Comprehensive Car Insurance?   

How Much is Geico Comprehensive Car Insurance?  

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