Insurer profile · NAIC + CMS

USAA

USAA's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

A
Reputation grade
0.34
Complaint index
50
States active

The verdict

USAA earns a A reputation grade - far fewer consumer problems than peers of its size, according to the NAIC's published complaint index, its ratio runs 0.34, below the 1.0 market average.

A
reputation grade
0.34
NAIC complaint index
AAA
Reputation grade A (composite score 86.4) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 25941 A · 86.4

GRADE-A · INDEX-QUIET · DENIAL-NONE · RANK-BEST · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-A A · 86.4
  • INDEX-QUIET 0.34
  • DENIAL-NONE No CMS file
  • RANK-BEST #5/72
  • PHOTO-FINISH New York Life · A
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: New York Life (±0.03 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around USAA

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

USAA - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, USAA has a lower (better) NAIC complaint index than 93% of the 72 rated insurers it tracks and ranks #1 of 21 carriers by complaint ratio in Auto Insurance.

Source NAIC published complaint index (2024) As of 2026

Where USAA sits on complaints

complaint index

What this shows USAA's complaint index of 0.34 is 66% below the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

USAA vs. the full rated-insurer dataset

34% Among the most affordable more affordable than 93% of 72 rated insurers

USAA 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Auto Insurance ~2,099 0.34 50

What the NAIC filing desk shows for USAA

According to PlainInsurer's dataset, USAA has a lower (better) NAIC complaint index than 93% of the 72 rated insurers it tracks and ranks #1 of 21 carriers by complaint ratio in Auto Insurance.

USAA is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place USAA.

USAA carries an A.M. Best Financial Strength Rating of A++ (Superior) as of July 2025 (claims-paying ability, not complaint or service quality). Source: AM Best.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for USAA: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (86.4 here). Floored at 50+ complaints and 5+ states.

Kaiser Permanente 86.1 New York Life 87.6 Guardian Life 88.4 MassMutual 88.8

Similar complaint volume

Nearest carriers by NAIC complaint count (2,099 here). Deduped against the score peers so the two sets stay distinct.

American Family Homeowners 2,008 complaints American Family Insurance 1,853 complaints Mercury Insurance 2,471 complaints Anthem / Elevance Health 1,660 complaints
Aggregates only, not advice. Full terms on the disclaimer.

USAA's corporate family in PlainInsurer's dataset also includes USAA Homeowners -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.

Questions about USAA

What does USAA's grade mean?
USAA received a grade of A, indicating far fewer consumer problems than peers of its size.
How many complaints does USAA have?
PlainInsurer estimates USAA's complaint volume at roughly 2,099 across 50 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against USAA?
File against USAA through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is USAA a good insurance company?
PlainInsurer's A grade for USAA reflects far fewer consumer problems than peers of its size relative to peers on published complaint and denial data.
What types of insurance does USAA offer?
Based on NAIC filing data, USAA reports activity in 1 line of business: Auto Insurance. Availability varies by state.
Did USAA deny 51% of home insurance claims?
A widely shared 2025 analysis (reported by the Dallas Morning News and Yahoo Finance, drawing on state insurance-department market-conduct data) found USAA closed 51% of its homeowners claims without paying out in 2025, often repeated online as a "51% denial rate." USAA disputes that framing, stating that once claims below the deductible, reopened claims, and consolidated multi-claim events are excluded, fewer than 6% of its homeowner claims were denied outright. PlainInsurer's CMS Transparency in Coverage data covers individual-market health plans only, it does not include homeowners, auto, or life insurance claims, so we cannot confirm or refute this specific figure ourselves. The only line PlainInsurer tracks NAIC complaint data for USAA is auto insurance: a complaint index of 0.34 (market median 1.43) as of 2026, well below the market median, but this is a different metric on a different line and is not evidence either way on the homeowners figure above.

Verify USAA

USAA is filed with the NAIC under company number 25941. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for USAA · 2024

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Download the data behind this page

The full PlainInsurer extract, covering every insurer including USAA, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.