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USAA Review

Wednesday, May 29th

2024 Roadside Assistance Company Reviews

USAA Review 2.5 Star Rating


2.5 Star Rating
  • Free for those with USAA auto insurance
  • Other customers pay-per-service
  • Towing, battery help, locksmith services, and fuel delivery
  • Coverage across the US, Canada, and Mexico

Founded in 1922 in San Antonio, USAA started when 25 Army officers collaborated to provide insurance coverage for each other's automobiles. Fast forward to 2022, and USAA proudly marks its 100th year serving its members and fulfilling its mission.

Military focus

Over the years, the company has strengthened its commitment by partnering with military-affiliated groups and expanding its support network to better serve its member community. This stands out as one of the primary options if you are in the military or have previously served. The only downside? USAA is similar to other insurance providers where the roadside assistance is bundled with existing insurance.

Coverage in the US, Canada, Mexico, and more

USAA offers coverage that spans the United States, Canada, and Mexico (within 75 miles of the U.S. and Mexico border), along with U.S. territories. On top of those locations, USAA also offers some services internationally. Details about coverage in specific countries can be found on the International Motor Insurance Card (Green Card) or by reaching out to our International Claims department.

Best Roadside Assistance Companies

For those with and without insurance

For most customers, coverage for roadside assistance is bundled with USAA's existing insurance. While this limits the usage a bit for customers who don't have USAA's auto insurance, there are two bonuses to choosing USAA over other insurance providers that also have roadside assistance.

  • First, if you are a member of USAA already, roadside assistance is included in the cost of your regular insurance. You don't have to pay anything extra to get access to roadside assistance.
  • Now, if you're not a member, you can still use USAA's services (unlike some other insurance competitors). When you need assistance, USAA will send a service provider to your location, and you can settle the payment directly with them upon arrival. And if you're worried about costs, USAA has arranged special rates for these services that are often more cost-effective than if you were to contact a tow driver independently.

No special discounts

When it comes to discounts, USAA's roadside assistance plan doesn't have its own special discounts or bonuses like some other services in our review. Instead, the perks are focused on the actual assistance you receive, so you get the help you need when you need it. For example, you can expect assistance (on average) within 60-90 minutes.

Best Roadside Assistance Companies

One package available for service

Here's what you can expect. If you are a current policyholder (or plan to join USAA soon), here are all the services you'll get for free:

  • Taking your vehicle to the nearest repair shop in most areas
  • Winching if vehicle gets stuck
  • Battery jump-start
  • Fuel delivery
  • Locksmith services
  • Flat tire assistance (spare tire required)

Just keep in mind that for any service not covered, you'll be billed at USAA's standard rate. However, on the website, there aren't any specifics on what the "standard rate" actually looks like.

Reimbursement program if you join USAA

If you're not a current policyholder for USAA, you won't need to worry about cancellation policies or refunds. Though, if you do join USAA after paying for a service, they offer a reimbursement program. Otherwise, if you want to look into cancellation, you'll have to contact USAA regarding their cancellation policies for the insurance that you have. You can't cancel the roadside assistance as it is bundled with your insurance plan directly.

Best Roadside Assistance Companies

Concerning NR rating

Unfortunately, despite the flexible options for policyholders and those who don't have insurance, USAA doesn't have a stellar reputation. The company has a disappointing "NR" rating from the Better Business Bureau and only a 3.3-star average from third-party review sites. This is particularly disappointing as this company focuses on serving members of the military or former servicemen, which seems unfair to those customers (and customers who aren't military members too) to be stuck with something mid-tier.

USAA misses the mark

While USAA has a rich history, the company's roadside assistance is typically bundled with existing insurance, making it less accessible to customers who aren't policyholders with USAA. You can get services if you don't have a policy, but you have to pay out of pocket. The lack of special discounts and the "NR" rating from the Better Business Bureau might be a concern for some customers too. It's got a unique option for policyholders and those who aren't with USAA, but in the end, their reputation doesn't impress enough for us to highly recommend the service.

Who Provides the Best Roadside Assistance?

Whether you're just cruising around town running errands, or embarking on an exciting family road trip, the last thing you want is for your car to unexpectedly break down. It's not only a major inconvenience but can also pose challenges to your safety, or totally throw off your perfectly planned timeline. This is where a dependable Roadside Assistance plan comes to the rescue.

These services promise swift support and expert guidance to help you navigate the unexpected twists and turns of a car breakdown. Whether you're worried about a blown tire, accidentally run out of fuel, or just need an emergency tow, being a member of a roadside assistance company can help soothe any worries and keep a roadside emergency from being a costly setback.

The Best Roadside Assistance Companies Compare Roadside Assistance Companies Compare Roadside Assistance Company Reviews What are the best Roadside Assistance Companies Best Roadside Assistance Company Reviews

Roadside Assistance Company FAQ

The most commonly-used benefits of roadside assistance plans are 24-hour towing, flat tire repair, jump starting, lockout service, and emergency fuel delivery. Your plan may also include trip interruption assistance, emergency medical referrals if you need treatment while traveling, travel planning help and discounts on related services.
Not at all. Most plans range from $60 - $200 per year, depending on the level of coverage you select and the number of household members included on the contract.
This varies widely from provider to provider - and even from one plan to another from the same company. It's important that you read the terms and conditions very carefully, so that you're not left with a nasty surprise of extra charges or no coverage when you need it most. One common limitation is on towing: many plans have a mileage limit on a covered tow, and customers are responsible for paying any fees beyond that distance. You may also get a certain number of service calls per year, with little to no coverage once you've reached that limit.
Yes, sometimes: and if you already have coverage, you might not need to pay for a roadside assistance plan. But, you'll want to read your policy very carefully so that you'll know what's covered - and what isn't. For example, your roadside assistance with a new car might expire once you hit two years or 25,000 miles.
Most plans cover you throughout the US, as well as Mexico, Canada, Puerto Rico and the USVI. But, if you're planning on trips outside of the United States, be sure your roadside assistance plan extends to your destination, and know how to contact your provider for help.
Yes! Some roadside assistance plans specialize in helping people with non-traditional vehicles like motorcycles and RVs (and even bicycles!).
Sometimes. Because most plans are charged monthly, most providers let you cancel with no penalty. You might not get your money back for any previous months of service, especially if you received any benefits during that time.
You'll need to consider which companies offer the coverage you want, compare prices, and check out customer reviews: the "best deal" might not be so great if the service falls short and you're waiting hours for help. It's a good idea to look up the provider's reputation with the Better Business Bureau as well.
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Continued from above...

Often, we don't give much thought to unfortunate events like a sudden car breakdown until they catch us off guard, leaving us with limited options: expensive tow trucks or worse, waving down a stranger to jump your car in the Walmart parking lot. That's why proactive planning by joining a Roadside Assistance plan can be crucial to your peace of mind and your wallet.

Roadside Assistance plans go well behind the basics of mechanical concerns. You'll find assistance with an array of services such as towing, jump-starts, fuel delivery, theft protection, lockouts, tire changes, and more.

As an added layer of convenience, many Roadside Assistance programs allow you to customize your plan with additional add-ons. For instance, you can opt for trip interruption coverage or even financial assistance to cover legal defense in case of a speeding ticket. The flexibility in choosing the plan that suits your lifestyle comes with varying costs so that you have options that align with your budget. Plus, for those of us with a large family with multiple drivers and vehicles to worry about, many plans allow you to extend coverage to any car you drive, regardless of ownership, making it a family-friendly choice.

Beyond the basic services, many Roadside Assistance programs offer a range of fun perks unrelated to car trouble like discounted hotel stays, discounts on regular car maintenance, and discounts at major retailers or even pharmacies. So, on top of being covered in a roadside emergency, you can count on extra benefits to make your travels even better.

But with so many different companies on the market offering Roadside Assistance plans, it can be hard to know where to start. So, as you explore the packages offered by various providers, keep these key considerations in mind:

  • Coverage details. There are tons of differences between most Roadside Assistance plans. Carefully read the details including things like tow distance or reimbursement limits. Those details can help you find the best fit for your car and your lifestyle.
  • Price. How much does each plan cost? Are you okay with basic coverage or do you need more extensive tow distances to cover your trips? How affordable are the extras you're looking for? Many of these companies charge per year, so make sure you pick one that fits your budget without compromising your safety.
  • Provider's reputation. What do customers have to say about their experience? What about the company's reputation on the BBB? Knowing how each service stacks up against competitors can help you make a more informed decision.

To make your next road trip a breeze, Top Consumer Reviews researched and analyzed the top Roadside Assistance plans available today: we bring you the lowdown on which ones stand up to really assist you when your car goes haywire. Because, let's face it, when you're stranded with a flat tire or a bad battery, you want help and you want it fast. We hope our analysis helps you make the best decision so you can rest easy whether you're hopping to the store or driving cross-country. Happy motoring!

Compare Roadside Assistance Companies

Select any 2 Roadside Assistance Companies to compare them head to head

  • Good Sam
  • Better World Club
  • Best Roadside Service
  • Honk
  • Allstate Motor Club
  • AAA Roadside Assistance
  • USAA
  • Auto Road Service
  • Geico
  • Paragon Motor Club
Good Sam vs Better World Club Good Sam vs Best Roadside Service Good Sam vs Honk Good Sam vs Allstate Motor Club Good Sam vs AAA Roadside Assistance Good Sam vs USAA Good Sam vs Auto Road Service Good Sam vs Geico Good Sam vs Paragon Motor Club Better World Club vs Best Roadside Service Better World Club vs Honk Better World Club vs Allstate Motor Club Better World Club vs AAA Roadside Assistance Better World Club vs USAA Better World Club vs Auto Road Service Better World Club vs Geico Better World Club vs Paragon Motor Club Best Roadside Service vs Honk Best Roadside Service vs Allstate Motor Club Best Roadside Service vs AAA Roadside Assistance Best Roadside Service vs USAA Best Roadside Service vs Auto Road Service Best Roadside Service vs Geico Best Roadside Service vs Paragon Motor Club Honk vs Allstate Motor Club Honk vs AAA Roadside Assistance Honk vs USAA Honk vs Auto Road Service Honk vs Geico Honk vs Paragon Motor Club Allstate Motor Club vs AAA Roadside Assistance Allstate Motor Club vs USAA Allstate Motor Club vs Auto Road Service Allstate Motor Club vs Geico Allstate Motor Club vs Paragon Motor Club AAA Roadside Assistance vs USAA AAA Roadside Assistance vs Auto Road Service AAA Roadside Assistance vs Geico AAA Roadside Assistance vs Paragon Motor Club USAA vs Auto Road Service USAA vs Geico USAA vs Paragon Motor Club Auto Road Service vs Geico Auto Road Service vs Paragon Motor Club Geico vs Paragon Motor Club
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