USAA SafePilot Program Review for 2026
USAA SafePilot is a usage-based insurance program (UBI) that monitors your driving habits and rewards safe drivers with a discount of up to 30% at the time of your policy renewal.
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Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Heidi Mertlich
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated November 2023
- USAA SafePilot is a usage-based insurance program that tracks your driving habits and rewards you with a policy discount
- Safe drivers can receive up to 30% off with USAA SafePilot, and an additional 10% just for signing up
- Only military personnel are eligible to use USAA services, including the SafePilot program
- The SafePilot program is currently only available in Arizona, Ohio, Texas, and Virginia
USAA insurance provides customers with the USAA SafePilot program, a usage-based insurance mobile application that monitors and rewards your good driving habits.
In this USAA SafePilot review, see how to enroll in the SafePilot program, what driving practices USAA tracks, privacy information, and more.
Before deciding if you want to buy USAA SafePilot auto insurance, compare other UBI programs and quotes from reputable providers near you by entering your ZIP code into our free quote tool above.
What is USAA SafePilot?
USAA SafePilot is a telematics or UBI program that uses a mobile application to track your driving habits. Using your USAA login, you can see your score in real-time after each trip.
With this USAA car monitoring system, the higher your driving score, the higher the discount you earn on your auto insurance rates at the time of your policy renewal, up to 30%. You also receive up to a 10% discount just for signing up.
Your rates cannot increase as a result of participating in the program. However, you can earn different discounted USAA SafePilot auto insurance rates after your policy renewal.
According to the Centers for Disease Control and Prevention (CDC), eight people die every day in distracted-driving-related incidents. UBI programs aim to reduce that risk by encouraging better driving habits with car insurance discounts.
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How does USAA SafePilot work?
To earn your affordable USAA SafePilot auto insurance discount, you must be a USAA auto insurance customer.
Enroll on the company website and download the SafePilot mobile app. Next, simply start driving. All drivers on your policy must use the program.
See your score update in real-time in the mobile app. The app will automatically log your trips. You do not have to turn it on or off for it to work.
At the time of your policy renewal, your discount will be revealed and applied. The program starts over at the beginning of your next policy term.
What driving habits does USAA SafePilot track?
The USAA car monitor system tracks seven different driving habits. Those include:
- Location
- Time of day
- If you’re a passenger or driver
- Hand-held calls
- Hands-free calls
- Harsh braking events
USAA does not share or sell your driving information with any third-party or marketing companies.
Is USAA SafePilot worth it?
If you’re a USAA customer, enrolling in the SafePilot program can only lead to a discount. USAA also protects your data and privacy.
Unfortunately, only Arizona, Ohio, Texas, and Virginia drivers are eligible to enroll in the program.
As with any sort of program or purchase, it’s best if you read plenty of USAA SafePilot reviews to make sure it’s the right fit for your driving and insurance needs. It’s essential to compare auto insurance quotes from multiple providers before choosing a policy.
The USAA SafePilot auto insurance discount is one of many UBI programs; compare other UBI discounts by entering your ZIP code into our quote tool below and start comparison shopping.
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