VARIES BY STATE/LINE
AUTOMOBILE C 1.18
AUTOMOBILE BY STATE: CA 0.46 · TX 1.44 · NY 3.04
HOMEOWNERS A 0.52
Carrier record · NAIC group 200 · 2024 market-share rank 7 of 25
USAA
USAA's homeowners business drew complaints at roughly half the market-average rate (grade A), but its automobile record varies sharply by state — fewer complaints than average in California, and roughly three times the market rate of upheld complaints in New York (grade C for the line).
HonestPolicy earns: nothing on this carrier.
Automobile
C · COMPOSITE RELATIVE INDEX 1.18 · SCORE 45.9 · 7 SIGNALS
Across the covered records, this line drew about 1.18 times the market-average complaint rate (more complaints than the market average).
The state records disagree on this line — latest-year indices span 6.6×: California 0.46 · Texas 1.44 · New York 3.04. The composite averages across that split.
Source · TX · TDI
Texas Dept. of Insurance — Complaint indexes and policy counts for insurance companies. Texas Open Data Portal, dataset pa9u-9s9w. data.texas.gov · retrieved 2026-07-10. Complaint index values are calculated by TDI.
Source · CA · CDI
California Dept. of Insurance — 2026 Consumer Complaint Study, Automobile composite. insurance.ca.gov · retrieved 2026-07-10. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
Source · NY · DFS
New York State Dept. of Financial Services — Automobile Insurance Company Complaint Rankings. Open Data NY, dataset h2wd-9xfe. data.ny.gov · retrieved 2026-07-10. Upheld complaints per $1M premium as calculated by DFS.
Caveat · CA exposure mix
* CDI publishes exposure counts only for the latest study year; prior-year indices reuse the 2025 exposure mix for both group and market. Disclosed per signal in the source record.
Caveat · NY premium base
The NY exposure base is premium dollars, not policy counts, so NY indices are not exactly comparable to TX/CA bases. NY carries the lowest weights partly for this reason.
| State · Source | Year | Complaints | Exposure base | Base kind | Rel. index | Weight |
|---|---|---|---|---|---|---|
| CA · CDI | 2025 | 45 | 1,582,686 | earned exposures | 0.46 | 0.20 |
| CA · CDI | 2024 | 55 | 1,582,686* | earned exposures | 0.73 | 0.12 |
| CA · CDI | 2023 | 45 | 1,582,686* | earned exposures | 0.96 | 0.08 |
| NY · DFS | 2024 | 57 | 548.8 | premiums written ($M) | 3.04 | 0.12 |
| NY · DFS | 2023 | 28 | 480.5 | premiums written ($M) | 2.12 | 0.06 |
| TX · TDI | 2025 | 211 | 886,549 | policies in force | 1.44 | 0.30 |
| TX · TDI | 2024 | 174 | 886,833 | policies in force | 1.83 | 0.12 |
Relative index 1.00 = the group's share of complaints equals its share of the market's exposure; lower is better. Complaints are TDI “confirmed” (TX), CDI “justified” (CA), and DFS “upheld” (NY) counts — not raw complaint volume. * exposure figure reuses the 2025 CDI exposure mix (see caveat).
Member companies aggregated — automobile
Texas · TDI · 2025
| NAIC | Company | Complaints | Policies in force | TDI index |
|---|---|---|---|---|
| 25941 | UNITED SERVICES AUTOMOBILE ASSOCIATION | 47 | 241,317 | 1.18 |
| 25968 | USAA CASUALTY INSURANCE COMPANY | 59 | 254,367 | 1.41 |
| 18600 | USAA GENERAL INDEMNITY COMPANY | 54 | 208,828 | 1.57 |
| 21253 | GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY | 51 | 182,037 | 1.70 |
California · CDI · 2026 study (2023–2025)
| Company | CDI rank | Approx. exposures | Justified complaints ’25/’24/’23 | Ratio per 100k ’25/’24/’23 |
|---|---|---|---|---|
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 17 | 388,762 | 9 / 18 / 8 | 2.3 / 4.7 / 2.1 |
| USAA CASUALTY INSURANCE COMPANY | 20 | 528,111 | 14 / 16 / 11 | 2.7 / 3.1 / 2.2 |
| USAA GENERAL INDEMNITY COMPANY | 27 | 357,371 | 12 / 9 / 14 | 3.4 / 2.8 / 5.0 |
| GARRISON PROPERTY AND CASUALTY INS CO | 26 | 308,442 | 10 / 12 / 12 | 3.2 / 4.2 / 4.8 |
New York · DFS · filing year 2024
| NAIC | Company | Upheld | Total | Premiums $M | DFS ratio | Rank |
|---|---|---|---|---|---|---|
| 25941 | United Services Automobile Association | 6 | 45 | 138.4 | 0.0433 | 79 |
| 25968 | USAA Casualty Insurance Company | 20 | 75 | 167.9 | 0.1191 | 100 |
| 18600 | USAA General Indemnity Company | 13 | 76 | 128.9 | 0.1009 | 98 |
| 21253 | Garrison Property and Casualty Insurance Company | 18 | 75 | 113.6 | 0.1585 | 108 |
Homeowners
A · COMPOSITE RELATIVE INDEX 0.52 · SCORE 65.7 · 5 SIGNALS
Across the covered records, this line drew about 48% fewer complaints than its market share would predict (at least ~35% fewer complaints than the market average).
Source · TX · TDI
Texas Dept. of Insurance — Complaint indexes and policy counts for insurance companies. Texas Open Data Portal, dataset pa9u-9s9w. data.texas.gov · retrieved 2026-07-10. Complaint index values are calculated by TDI.
Source · CA · CDI
California Dept. of Insurance — 2026 Consumer Complaint Study, Homeowners composite. insurance.ca.gov · retrieved 2026-07-10. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
Caveat · CA exposure mix
* CDI publishes exposure counts only for the latest study year; prior-year indices reuse the 2025 exposure mix for both group and market. Disclosed per signal in the source record.
| State · Source | Year | Complaints | Exposure base | Base kind | Rel. index | Weight |
|---|---|---|---|---|---|---|
| CA · CDI | 2025 | 18 | 798,013 | earned exposures | 0.54 | 0.20 |
| CA · CDI | 2024 | 15 | 798,013* | earned exposures | 0.18 | 0.12 |
| CA · CDI | 2023 | 11 | 798,013* | earned exposures | 0.24 | 0.08 |
| TX · TDI | 2025 | 108 | 894,412 | policies in force | 0.95 | 0.30 |
| TX · TDI | 2024 | 38 | 854,225 | policies in force | 0.55 | 0.12 |
Relative index 1.00 = the group's share of complaints equals its share of the market's exposure; lower is better. Complaints are TDI “confirmed” (TX), CDI “justified” (CA), and DFS “upheld” (NY) counts — not raw complaint volume. * exposure figure reuses the 2025 CDI exposure mix (see caveat).
Member companies aggregated — homeowners
Texas · TDI · 2025
| NAIC | Company | Complaints | Policies in force | TDI index |
|---|---|---|---|---|
| 25941 | UNITED SERVICES AUTOMOBILE ASSOCIATION | 24 | 272,482 | 0.69 |
| 25968 | USAA CASUALTY INSURANCE COMPANY | 28 | 254,542 | 0.87 |
| 18600 | USAA GENERAL INDEMNITY COMPANY | 29 | 201,508 | 1.13 |
| 21253 | GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY | 27 | 165,880 | 1.28 |
California · CDI · 2026 study (2023–2025)
| Company | CDI rank | Approx. exposures | Justified complaints ’25/’24/’23 | Ratio per 100k ’25/’24/’23 |
|---|---|---|---|---|
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 4 | 230,806 | 2 / 3 / 3 | 0.9 / 1.3 / 1.3 |
| USAA CASUALTY INSURANCE COMPANY | 30 | 251,190 | 10 / 9 / 4 | 4.0 / 3.5 / 1.6 |
| USAA GENERAL INDEMNITY COMPANY | 24 | 174,573 | 4 / 1 / 2 | 2.3 / 0.6 / 1.4 |
| GARRISON PROPERTY AND CASUALTY INS CO | 10 | 141,444 | 2 / 2 / 2 | 1.4 / 1.5 / 1.5 |