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USAA — HonestPolicy Grade

Overall: B (score 55.8/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all USAA underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Automobile: C score 45.9/100 · composite relative index 1.18 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile2025211886,5492,48015,044,7981.44[tx]0.3
TX Automobile2024174886,8331,59414,898,9761.83[tx]0.12
CA Automobile2025451,582,6861,78628,998,8650.46[ca_auto]0.2
CA Automobile2024551,582,6861,38828,998,8650.73[ca_auto]0.12
CA Automobile2023451,582,68685728,998,8650.96[ca_auto]0.08
NY Automobile202457$548.8M629$18,428M3.04[ny]0.12
NY Automobile202328$480.5M445$16,202M2.12[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025UNITED SERVICES AUTOMOBILE ASSOCIATION (NAIC 25941)47241,3171.18 (TDI index)
TX · 2025USAA CASUALTY INSURANCE COMPANY (NAIC 25968)59254,3671.41 (TDI index)
TX · 2025USAA GENERAL INDEMNITY COMPANY (NAIC 18600)54208,8281.57 (TDI index)
TX · 2025GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 21253)51182,0371.7 (TDI index)
TX · 2024UNITED SERVICES AUTOMOBILE ASSOCIATION (NAIC 25941)43245,8121.64 (TDI index)
TX · 2024USAA CASUALTY INSURANCE COMPANY (NAIC 25968)58257,5422.11 (TDI index)
TX · 2024USAA GENERAL INDEMNITY COMPANY (NAIC 18600)36204,1651.65 (TDI index)
TX · 2024GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 21253)37179,3141.93 (TDI index)
CA · 2025/2024/2023UNITED SERVICES AUTOMOBILE ASSOCIATION (CDI rank 17)35 (3yr)388,7622025: 2.3, 2024: 4.7, 2023: 2.1 (per 100k)
CA · 2025/2024/2023USAA CASUALTY INSURANCE COMPANY (CDI rank 20)41 (3yr)528,1112025: 2.7, 2024: 3.1, 2023: 2.2 (per 100k)
CA · 2025/2024/2023USAA GENERAL INDEMNITY COMPANY (CDI rank 27)35 (3yr)357,3712025: 3.4, 2024: 2.8, 2023: 5.0 (per 100k)
CA · 2025/2024/2023GARRISON PROPERTY AND CASUALTY INS CO (CDI rank 26)34 (3yr)308,4422025: 3.2, 2024: 4.2, 2023: 4.8 (per 100k)
NY · 2024United Services Automobile Association (NAIC 25941)6 (upheld, of 45 total)$138.4M (premiums)0.043349028 (DFS ratio, rank 79)
NY · 2024USAA Casualty Insurance Company (NAIC 25968)20 (upheld, of 75 total)$167.9M (premiums)0.119119199 (DFS ratio, rank 100)
NY · 2024USAA General Indemnity Company (NAIC 18600)13 (upheld, of 76 total)$128.9M (premiums)0.100885146 (DFS ratio, rank 98)
NY · 2024Garrison Property and Casualty Insurance Company (NAIC 21253)18 (upheld, of 75 total)$113.6M (premiums)0.158463893 (DFS ratio, rank 108)
NY · 2023United Services Automobile Association (NAIC 25941)7 (upheld, of 35 total)$125.9M (premiums)0.055620113 (DFS ratio, rank 97)
NY · 2023USAA Casualty Insurance Company (NAIC 25968)10 (upheld, of 39 total)$147.2M (premiums)0.067928459 (DFS ratio, rank 100)
NY · 2023USAA General Indemnity Company (NAIC 18600)9 (upheld, of 40 total)$110.6M (premiums)0.081370848 (DFS ratio, rank 101)
NY · 2023Garrison Property and Casualty Insurance Company (NAIC 21253)2 (upheld, of 30 total)$96.8M (premiums)0.020660111 (DFS ratio, rank 64)

Homeowners: A score 65.7/100 · composite relative index 0.52 · 5 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners2025108894,4121,1539,068,5180.95[tx]0.3
TX Homeowners202438854,2257339,050,7530.55[tx]0.12
CA Homeowners202518798,01350111,946,3010.54[ca_home]0.2
CA Homeowners202415798,0131,26511,946,3010.18[ca_home]0.12
CA Homeowners202311798,01367911,946,3010.24[ca_home]0.08

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025UNITED SERVICES AUTOMOBILE ASSOCIATION (NAIC 25941)24272,4820.69 (TDI index)
TX · 2025USAA CASUALTY INSURANCE COMPANY (NAIC 25968)28254,5420.87 (TDI index)
TX · 2025USAA GENERAL INDEMNITY COMPANY (NAIC 18600)29201,5081.13 (TDI index)
TX · 2025GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 21253)27165,8801.28 (TDI index)
TX · 2024UNITED SERVICES AUTOMOBILE ASSOCIATION (NAIC 25941)8266,8370.37 (TDI index)
TX · 2024USAA CASUALTY INSURANCE COMPANY (NAIC 25968)10247,9380.5 (TDI index)
TX · 2024USAA GENERAL INDEMNITY COMPANY (NAIC 18600)15187,0120.99 (TDI index)
TX · 2024GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 21253)5152,4380.41 (TDI index)
CA · 2025/2024/2023UNITED SERVICES AUTOMOBILE ASSOCIATION (CDI rank 4)8 (3yr)230,8062025: 0.9, 2024: 1.3, 2023: 1.3 (per 100k)
CA · 2025/2024/2023USAA CASUALTY INSURANCE COMPANY (CDI rank 30)23 (3yr)251,1902025: 4.0, 2024: 3.5, 2023: 1.6 (per 100k)
CA · 2025/2024/2023USAA GENERAL INDEMNITY COMPANY (CDI rank 24)7 (3yr)174,5732025: 2.3, 2024: 0.6, 2023: 1.4 (per 100k)
CA · 2025/2024/2023GARRISON PROPERTY AND CASUALTY INS CO (CDI rank 10)6 (3yr)141,4442025: 1.4, 2024: 1.5, 2023: 1.5 (per 100k)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).