USAA SafePilot Program Review [2021]

You can save up to 30% on your USAA SafePilot car insurance rates based on your driving behaviors. You get an additional 10% discount for enrolling in SafePilot, and USAA continuously monitors factors like hard braking and phone usage to calculate your discount at renewal. However, USAA SafePilot car insurance is only available to members of the military, veterans, and their families.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 31, 2021

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Here's What You Need to Know

  • Get a 10% discount on your car insurance for enrolling in USAA SafePilot
  • SafePilot monitors driving behaviors such as hard braking and phone usage and saves you up to 30% based on your score
  • USAA SafePilot continuously monitors your driving and issues your discount when your policy renews

Most top car insurance companies offer drivers a discount based on how they drive. SafePilot is the telematics program from USAA.

You can save up to 30% on your USAA SafePilot car insurance rates and get an extra 10% discount just for signing up.

However, USAA SafePilot car insurance isn’t for everyone. Only members of the military, veterans, and their families can get USAA insurance. To learn more about the company, read our USAA car insurance review.

It’s important to remember that other companies offer similar savings programs. Shop around before you buy USAA SafePilot car insurance to find the best deal for you.

Read our USAA SafePilot program review now to learn more. Before you begin, enter your ZIP code to compare free car insurance quotes from multiple companies near you today.

What is USAA SafePilot car insurance?

Many companies now offer usage-based auto insurance programs and discounts. Simply how you drive your car can save you money.

SafePilot from USAA is a telematics program that uses an app to monitor your driving behaviors. Your discount is calculated based on how well you score.

When you look for USAA SafePilot, app stores from both Google and Apple offer the program. Simply download it and start driving.

The app does run in the background on your phone, so your battery life and data usage may be affected.

Also, some users report the USAA SafePilot app not working correctly. Most of the time, just restarting your phone and app will fix the problem. You also need to make sure your location settings are on.

While you can’t get a USAA SafePilot car insurance quote, you can save up to 30% if you score well.

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What does USAA SafePilot monitor?

Each car insurance company will use telematics to monitor different driving behaviors.

USAA SafePilot calculates your discount based on:

  • Hard braking – Hitting your brakes hard can signal either aggressive driving or just a lack of attention to the road.
  • Phone usage – Using your phone, even making hands-free calls, pulls your attention from your driving. Distracted driving leads to thousands of accidents and traffic deaths each year.

USAA SafePilot records other aspects of your driving also but doesn’t use them to determine your discount.

SafePilot also records your location, the time of day of your drive, and if you are the driver or passenger.

Is USAA SafePilot car insurance worth it?

SafePilot from USAA touts savings of up to 30% but not all customers get that high of a discount. So, is USAA SafePilot worth it? The short answer is probably.

If you don’t drive aggressively or play with your phone, you can get a good discount. The program is also free and doesn’t raise your rates if you score poorly.

SafePilot can also make you a safer driver. According to the Insurance Information Institute, programs that offer immediate feedback on driving can cause drivers to pay more attention and exhibit safe driving skills.

There really isn’t a downside to trying SafePilot, except that your data is stored by USAA.

USAA SafePilot Car Insurance: The Bottom Line

While the program offers a discount of up to 30%, you determine just how affordable USAA SafePilot car insurance is for you. The better you score, the higher your discount.

However, don’t forget that USAA only offers coverage to members of the military, veterans, and their families. If you don’t fit in one of those categories, USAA SafePilot isn’t the program for you.

Keep in mind that USAA isn’t the only company that offers a program like SafePilot. Shop around and compare rates and discounts to see which company can offer your great coverage with low rates.

We hope you’ve learned all you need to know from our USAA SafePilot program review. Before you go, enter your ZIP code to compare quotes from multiple companies in your area for free.

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