Who is Eligible for USAA Car Insurance

Get a Quote and Save up to 40%!*

Who is Eligible for USAA Insurance?

Founded in 1922 by 25 United States Army officers, the United States Automobile Association is better known as the USAA. The officer’s reason for creating a car insurance company was simple. They believed that most military officers were being charged too much for car insurance. Why the overpricing? They were considered a high-risk group. To fix the problem and allow military personnel to obtain affordable car, the USAA was founded. Let’s take a close up look at who is eligible for USAA car Insurance and other services, while also exploring the numerous member benefits.

USAA Has Grown Over the Years

Almost a century later, USAA had grown to become a Fortune 500 company with a global customer base. In addition to car insurance, the San Antonio-based company offers an array of banking, financial, and insurance services. Thanks to the variety of services USAA offers, members can get discounts financial services and credit where they might elsewhere be turned down. From retirement accounts to life insurance and credit cards, many military personnel uses USAA for almost all of their financial needs.

Although initially only available to military officers and individuals who would soon become a commissioned officer, this is no longer the case. As of the late 1990s, USAA has opened their financial services to current and former military members. Also included are immediate family members, including relatives and commissioned and non-commissioned officers. 

Who Qualifies for Auto Insurance through USAA?

Almost all U.S. military members, whether retired or active can qualify. Anyone who is training to become a commissioned officer may be eligible for services. Additionally, immediate family members of retired and active military personnel could qualify.
Who is Eligible for USAA Car Insurance

The USAA’s specific eligibility requirements include:

  • Active, honorably separated, and retired U.S. military officers and enlisted personnel
  • Candidates in officer commissioning programs, such as OCS/ OTS, ROTC, and Academy
  • Adult children of eligible parents who currently have or have had a USAA car insurance or property policy (The child must be 18 or older and purchased in their name. Children under 18 may be included as family members on an eligible parent’s car insurance policy.)
  • USAA member widows or widowers who have had a USAA auto insurance or homeowners coverage
  • Are You One of the Many Who Doesn’t Know They Qualify for USAA?

Thousands of people have no idea they qualify for USAA? Are you one of them? Was your great-grandmother one of the 400,000 women who fought behind the scenes during World War II? Perhaps, your grandfather still tells stories of his days in Vietnam. Or, maybe you are one of the thousands of school children who watched as their parents left to serve in Afghanistan or Iraq?

If you’re not an active member or military veteran, but you know your parents or grandparents have served their country, ask them if they are members of USAA. If they’re not, it’s the perfect time to tell them about how they can reduce their insurance premiums and other financial services costs by joining. Of course, if you get them to sign up, you’ll also qualify.

If that’s not enough, here’s another good thing about USAA. After becoming a member, you’re always in. Even if your military relative passes away, your membership remains active.

How to Qualify for USAA Membership if You’re Not in the Military?

Don’t give up just yet. While the USAA is an outstanding financial institution with a reputation for a fabulous online presence and exceptional customer service, there is one thing they need to work on. They need to make their membership eligibility requirements easier to understand. If they did, you’d easily know that you may still qualify.

It’s not true that only active and former military personnel qualify for USAA membership. Remember, as discussed above, everyday civilians who have immediate family members that serve or have served do qualify. If you are still thinking to yourself, I don’t fit the criteria, don’t give up yet.

If your spouse is a member, you are eligible for membership after you marry. Here’s an example. Let’s say your wife’s father served in World War II. Later, he got a car insurance policy with USAA. As his child, your wife decided to become a member and take out her own policy. When you got married, you too, became eligible. Even better, any kids you may have are also eligible.

In simple terms, all USAA members can have their spouse and children become members too! However, there is a slight catch.

Understanding the Different Levels of USAA Membership

First, it’s important to know that USAA does not have membership levels. It is something I created to make it easier to understand USAA eligibility. Level 1 USAA members are those with a basic checking or savings account. The spouses and children of Level 1 members are not eligible for membership.

Level 2 USAA members have a basic checking or savings account, as well as a USAA car or property insurance policy. Their spouses and children are eligible for membership.

Level 2 USAA members enjoy even more perks. First, once you become a Level 2 member, military history and status no longer apply. Instead, here’s what happens.

  • As Level 2 members, your spouse and children now ensure their own spouses and children are eligible. This continues on and on. After a while, there is a chance that no one in the family will have a history of military service.

Remember that Level 1 and Level 2 are used to make the information easier to understand. Remember, these are not terms used by USAA and are for illustration purposes to make USAA membership eligibility easier to understand.

There are No Automatic USAA Memberships

Even though you are currently serving or have served in the United States military, you are not automatically a USAA member. This is something that you have to sign up for. Until you do, you are not a member, which also prevents your immediate family members from becoming members.

If you are the child of a military veteran and they have not signed up for USAA, this is the time to encourage them to do so. This is smart, particularly if you want to become a member yourself. Remember, until they are members, you cannot become a member.

So now that you know if you are eligible for USAA Car Insurance or not, why not get a free auto insurance quote? Compare rates now be entering your zip code. The quote is free and you can save hundreds in just a few short minutes.