Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Mar 15, 2021

Advertiser Disclosure

It’s all about veterans. We want to help you make the right coverage choices.

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Company Details
Address: 9800 Fredericksburg Rd.
City: San Antonio
State: TX
ZIP Code: 78288
Phone Number: 210-531-8722
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To Sum It Up

  • Save up to 20 percent on your car insurance with USAA SafePilot
  • You can get an additional five percent discount just for signing up
  • USAA insurance is not offered to everyone, only members of the military, veterans, and their families

USAA SafePilot offers discounts based on your driving habits. This usage-based insurance uses an app to monitor your driving, and your discount is then based on your safe driving skills.

To find the best discount veterans auto insurance, you should shop around, although you can get affordable USAA auto insurance. Enter your ZIP code now to compare auto insurance quotes from multiple companies.

What is USAA SafePilot?

Many driving habits are tracked by USAA SafePilot and then scored according to how safe of a driver you are through an app. Once you use your USAA login, the app runs continually in the background on your phone.

While you can’t get a particular USAA SafePilot auto insurance quote, you can get up to a 20 percent discount on the next renewal, based on your ranking. Then the process for the next year begins over again.

This means that you are in complete control of your savings. The better you drive, the more you save.

The habits that SafePilot looks at and ranks are:

  • Hard braking
  • Time of day
  • Location
  • Phone handling
  • Hand-held or hands-free calling

What this means for you is that your score and discount will go down if you use your phone, drive during peak hours, or hit your brakes hard when someone pulls out in front of you.

The app will also lower your score if you use your phone to make a call. However, finding out your distracted driving habits is not a bad thing.

The CDC reports that in 2018, over 2,800 people were killed and over 400,000 were injured by distracted driving.

Be mindful, however, that the app is still running on your phone in the background. This can lead to problems with battery life and data usage, as well as concerns about privacy. USAA insists that they use the information for information purposes only and never sell it.

USAA is still working on the use of SafePilot as an accident warning system. This means that when an accident happens, it will take the data from the app and pinpoint the moment the crash occurs. The software will be able to collect more information about a crash as the technology develops.

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Is SafePilot worth it?

As in every telematics program, there are pros and cons. Pros include that it is free, easy to use, can save you cash on your USAA SafePilot auto insurance rates, and can make you more mindful of your driving habits.

Cons are that it uses your phone battery and data, monitors your driving, and is only open to members of the military, veterans, and family.

USAA car insurance reviews are good and so are the SafePilot reviews. The biggest complaint seems to be that it can be hard for the app to tell if you are the driver or the passenger.

There are various programs that are similar, offered by other auto insurance companies, such as GEICO DriveEasy or Progressive Snapshot. Shop around before you buy USAA SafePilot auto insurance. To compare multiple quotes today, enter your ZIP code.