USAA Claim Complaints
Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.
Short answer
In Texas in 2025, USAA's rate of confirmed auto complaints per policy was 1.4 times the average for all auto insurers (211 confirmed complaints). In New York's 2024 ranking, USAA's rate of upheld complaints per premium dollar was 3.0 times the average (57 upheld complaints). In California's 2025 report on the 50 largest auto insurers, USAA's rate of justified complaints per insured vehicle was 46% of the average (45 justified complaints).
Texas 2025
1.44
More complaints than average
211 confirmed complaints, 886,549 auto policies. Average = 1.00.
New York 2024
3.04
More complaints than average
57 upheld complaints on $549 million of premium. Average = 1.00.
California 2025
0.46
Fewer complaints than average
45 justified complaints, 1,582,686 insured vehicles. Average of the 50 largest insurers = 1.00.
What stands out in USAA's numbers
In Texas this page counts 4 companies selling as USAA, with 886,549 auto policies in force between them; the largest, USAA Casualty Insurance Company, holds 29%.
"Poor claim handling or communication" came up in 68% of Texas complaints about USAA, against 61% for all Texas auto insurers.
USAA's Texas complaint index fell from 1.84 in 2024 to 1.44 in 2025 (174 confirmed complaints, then 211).
In New York's 2024 ranking, the 4 companies selling as USAA placed between 79 and 108 of 128 auto insurers (1 = fewest upheld complaints for its premium).
In California's 2025 report, the 4 companies selling as USAA placed between 17 and 27 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).
What Texas drivers complained about (2025)
In 2025 the Texas Department of Insurance closed 612 auto complaints about USAA. The most common reasons:
- Poor claim handling or communication (68% of complaints)
- Claim delays (53% of complaints)
- Low settlement offer (44% of complaints)
- Claim denied (9% of complaints)
- Policy service problems (8% of complaints)
One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.
Did complaining get people paid?
61% of the 536 claim complaints about USAA ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.
If USAA is stalling or lowballing your claim
- Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
- Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
- Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
- If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.
Companies counted as USAA
- United Services Automobile Association (TX, NAIC 25941)
- USAA General Indemnity Company (TX, NAIC 18600)
- Garrison Property and Casualty Insurance Company (TX, NAIC 21253)
- USAA Casualty Insurance Company (TX, NAIC 25968)
- United Services Automobile Association (NY, NAIC 25941)
- USAA General Indemnity Company (NY, NAIC 18600)
- USAA Casualty Insurance Company (NY, NAIC 25968)
- Garrison Property and Casualty Insurance Company (NY, NAIC 21253)
- United Services Automobile Association (CA)
- USAA Casualty Insurance Company (CA)
- Garrison Property and Casualty Insurance Company (CA)
- USAA General Indemnity Company (CA)
Frequently asked questions
Does USAA have a lot of complaints?
In Texas in 2025, USAA's rate of confirmed auto complaints per policy was 1.4 times the average for all auto insurers (211 confirmed complaints). In New York's 2024 ranking, USAA's rate of upheld complaints per premium dollar was 3.0 times the average (57 upheld complaints). In California's 2025 report on the 50 largest auto insurers, USAA's rate of justified complaints per insured vehicle was 46% of the average (45 justified complaints).
What does a complaint index of 1.00 mean?
1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many. USAA's Texas score of 1.44 means 1.4 times the average.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (2025, automobile)
- Texas Department of Insurance, Insurance complaints: All data
- New York Department of Financial Services, Automobile Insurance Company Complaint Rankings (filing year 2024)
- California Department of Insurance, Automobile Complaint Composite Report (complaint year 2025)
- NAIC, How to file a complaint with your state insurance department
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