How Do You Qualify for USAA Insurance?

who qualifies for usaa insurance

USAA is one of the best-rated and most affordable car insurance companies in the United States. However, membership is restricted.

You qualify for USAA insurance if you are an active duty or retired member of the United States military. You may also qualify if an immediate family member – like a spouse or parent – is an active USAA member.

How do you qualify for USAA insurance? Do you meet USAA’s eligibility requirements? Keep reading to discover everything you need to know about USAA insurance requirements.

Who Qualifies for USAA?

You can only buy USAA insurance if you are a member of USAA. To become a member of USAA, you must meet the following eligibility requirements:

  • Active, retired, and separated veterans with a discharge type of “Honorable” from the United States military
  • Eligible family members of the above

who qualifies for car usaa insuranceIf you are an active duty or retired member of the United States military, then you could qualify for USAA membership.

If you qualify for USAA membership, then your spouse, parents, and certain other family members could also qualify for USAA membership through your military service.

Which Family Members Are Eligible?

If you have an immediate family member who is an active, retired, or separated veteran with a discharge type of “Honorable” from the United States military, then you may be eligible to join USAA.

Eligible family members include:

  • Spouses, widows, and widowers
  • Un-remarried former spouses of USAA members who joined USAA prior to or during the marriage
  • Individuals whose parents joined USAA
  • Step-children and biological children of USAA members

To qualify for USAA membership through a parent, that parent must have joined USAA while they were living. Once your parent has established USAA membership, your parent can pass USAA membership to children, including step-children and biological children.

However, you cannot establish USAA membership posthumously. If your parent is deceased and was not a USAA member before their death, then you do not qualify for USAA membership through your parent.

Who is Not Eligible for USAA Membership?

If you are not an active duty or retired member of the military, then you may not qualify for USAA membership.

Certain family members qualify for USAA membership, although other family members do not.

The following individuals are not eligible for USAA membership:

  • Siblings are not eligible for USAA membership. You cannot buy USAA car insurance through your sibling even if your sibling is a USAA member.
  • Parents are also not eligible for USAA membership. You cannot buy USAA car insurance through your child even if your child is a USAA member.
  • Children of deceased parents are not eligible for USAA membership if the parent was not a member of USAA before their death. If your deceased father was a veteran but was not a USAA member, for example, then you may not qualify for USAA membership.

You can learn more about USAA membership eligibility requirements here at USAA.com.

What You Need When Applying for USAA Insurance

To verify membership eligibility for insurance, USAA requires all of the following during your application process:

  • Your date of birth, contact information, and Social Security Number
  • Details about you or a family member’s military service
  • A passport or a permanent resident card (for non-US citizens)

If you have all of the above, then you can request a quote through USAA.com or create an online account.

USAA was founded in 1922 by 25 Army officers who wanted to create better insurance options for members of the United States military.

A century later, USAA is one of the largest, best-known, and best-rated insurance companies in the United States. USAA members can also access financial services, banking life insurance, and other products through USAA.

For more about USAA Insurance News

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