USAA SafePilot Review: Get Cheaper Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jul 8, 2023

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Key Takeaways

  • Everyone gets a 5% discount just for trying SafePilot
  • Only members of the military, veterans, and their immediate family members can get car insurance from USAA
  • Discounts of up to 20% are possible depending on your driving habits
  • The amount of your discount varies from policy period to policy period

In this USAA SafePilot review, we go over all you need to know to sign up for usage-based car insurance that can save you money by tracking your safe driving habits.

USAA SafePilot is a telematics program that offers you car insurance discounts based on safe driving habits. Better driving equals cheap car insurance.

Your vehicle year and model certainly affect your car insurance rates, but it could also disqualify you from certain usage-based programs. However, you can still get affordable car insurance quotes.

If you aren’t happy with your USAA SafePilot discount, you can always shop around to make sure you get the best affordable car insurance. Enter your ZIP code now to compare quotes from multiple car insurance companies.

What is the USAA SafePilot program?

SafePilot is an app offered by USAA insurance to promote safe driving habits resulting in up to a 20% discount on your next six-month policy renewal.

Several of the top car insurance companies monitor your driving for only 90 days and you get only one chance to try for the discount.

SafePilot is different because of its commitment to preventing accidents.

SafePilot continually monitors your driving habits and recalculates your discount to be used on your next six-month policy period. The discount can vary from policy period to policy period.

You can use your USAA login to view each of your trips. If you feel the USAA SafePilot app is not working properly, call USAA customer service. SafePilot monitors the following driving habits:

  • Your vehicle location
  • Whether you are driving during the day or night
  • Hard braking
  • Any hands-free calls you make
  • How often and for how long you handle your phone
  • If you are the driver or the passenger

USAA feels safe driving is important and uses SafePilot to prevent distracted driving. Also, many fatal accidents happen late at night.

USAA is doing its part because in 2018, more than 2,800 people were killed and 400,000 were injured through some form of distracted driving, as the Centers for Disease Control and Prevention (CDC) reports.

SafePilot is especially helpful to promote teen driver safety. If the entire family participates in these efforts to reduce distracted driving, you will have for sure earned your discount.

One downside, however, is that SafePilot is always running in the background no matter if the app is open or not on your smartphone. This can lead to your phone battery being depleted or burning through your data plan.

If you choose to buy car insurance from USAA and use SafePilot, be sure to keep a phone charger in the car and consider an unlimited data plan with your cell service provider.

USAA promises to privatize your data and use it only for further research. Telematics is just beginning. In fact, USAA is adding features to SafePilot to collect data when you are in an accident.

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Is USAA SafePilot worth it?

SafePilot is worth it when it comes to making you improve your driving habits and helping to prevent distracted driving. It is free and simple to use, and it can save you money.

USAA customers that use SafePilot provide good reviews. Even though the app is supposed to know whether you are a driver or a passenger, users say this is one weakness of their app.

If you would like to try out other usage-based car insurance programs, most companies will promote a trial period for any potential new customers.

Some companies offer great discounts on car insurance for military dependents, and stacking a military discount with a usage-based program discount could mean big savings. Find out the best car insurance companies for veterans and military personnel using our quote tool.

That’s why it’s important to get car insurance quotes from multiple car insurance companies before choosing USAA and signing up for SafePilot. Enter your ZIP code to compare quotes today.

Case Studies: Impact of USAA SafePilot on Auto Insurance Rates

Case Study 1: John’s Safe Driving Habits and Lower Rates

John, a USAA SafePilot user, received a 15% discount on his car insurance rates by consistently practicing safe driving habits. His commitment to obeying traffic laws, avoiding distractions, and maintaining a good driving record not only ensures his safety on the road but also saves him money on insurance premiums.

Case Study 2: Emily’s Experience with the Usage-Based Program

Emily, a new driver, tried the USAA SafePilot program to address her concerns about expensive car insurance. By allowing the app to monitor her driving habits, Emily demonstrated her commitment to safe driving and received a 10% discount on her car insurance rates. This made insurance more affordable for her as a young driver, and the program helped her develop good driving habits early on.

Case Study 3: Tom’s Successful Comparison Shopping

Tom, an existing USAA customer, wanted to find the best possible insurance rate. Using USAA’s free quote tool, he compared his current rates with quotes from various car insurance companies. Tom found a better deal with another company, getting a 20% discount on car insurance by switching and lowering his premiums.

Frequently Asked Questions

What is the USAA SafePilot program?

The USAA SafePilot program is a telematics-based car insurance program offered by USAA insurance. It promotes safe driving habits and offers discounts of up to 20% on your policy renewal based on your driving behavior.

How does SafePilot work?

SafePilot uses an app to monitor your driving habits, such as speed, braking, and distraction levels. It calculates a discount based on your driving behavior, which can vary from one policy period to another.

Is USAA SafePilot worth it?

Yes, SafePilot can be worth it as it encourages safe driving habits and helps prevent distracted driving. It is free to use and can potentially save you money on your car insurance premiums.

Are there any downsides to using SafePilot?

One downside is that the app continuously runs in the background, which can drain your phone’s battery and consume data. It’s recommended to keep a phone charger in the car and consider an unlimited data plan if you choose to use SafePilot.

Can I try out other usage-based car insurance programs?

Yes, many car insurance companies offer trial periods for their usage-based programs. It’s a good idea to compare quotes from multiple insurers before choosing USAA and signing up for SafePilot to ensure you’re getting the best deal.

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