2025 DIRECT PREMIUM
$22.9B
AUTO · NO. 5 · 2025
Why did my USAA car insurance go up?
Fifth in 2025. Membership still limits who can open a new policy.
SHARE
6.2%
TABLE
Private passenger
Needs verificationUSAA Insurance Group wrote $22.9 billion of private-passenger auto direct premium in 2025, a 6.2% share. Eligibility rules for a new customer were not re-read on USAA’s site for this review. Needs verification before you plan a switch. [45]
Triple-I’s private-passenger auto table shows U.S. direct premiums written of $193.4 billion in 2024, up 11.7% from 2023. That is the whole market after the table’s stated basis. It is not the change on one driver’s renewal. [45]
ISO figures republished by Triple-I put the 2024 average bodily-injury liability claim at $28,278, up from $17,014 in 2015, and the average collision claim at $5,489. Claim size is one reason a book of auto business is repriced. It does not identify which factor moved on your declarations page. [45]
Questions people type
Why did my USAA car insurance go up?
Fifth in 2025. Membership still limits who can open a new policy. The 2024 private-passenger auto market wrote $193.4 billion, up 11.7% from 2023, and the average bodily-injury claim in the ISO figures was $28,278. Neither number is your renewal. Ask for the rating factors on this term: vehicle, garaging address, drivers, and any filed rate change. [45]
Sources reviewed 2026-10-14
Open the document. The sentence above is only as current as that reading.
- [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
- [45] Facts + statistics: auto insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-auto-insurance