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Sean Murphy/Getty Images May 13, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. USAA SafePilot is an insurance telematics program, which means it utilizes technology that monitors your driving and awards discounts for safe practices behind the wheel. With SafePilot, current may be able to earn discounts for something they are already doing: driving. The app provides USAA with a snapshot of a driver’s habits, ranging from phone usage to hours driven. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More However, USAA only offers insurance coverage to its members, and membership is limited to active military members, veterans and qualifying family members. If you qualify for USAA and are a safe driver, SafePilot may save you up to 30% on your insurance premium. However, the app’s tracking technology may result in safety concerns for certain drivers. Researching SafePilot could help you decide whether or not the program is right for you. What is the USAA SafePilot program
The app is designed to provide feedback to help improve driving and monitor safe driving habits in order to maximize discounts on your . It is considered a usage-based telematics program and you must download the app in order to participate. USAA auto insurance policyholders who enroll can receive up to a 10% discount for signing up. You and your household may be eligible for further discounts based on your driving insights, habits and trends, and these discounts are applied with your next policy renewal. The app is available in both the App Store and Google Play Store and is set up so you do not have to log in every time you are in the vehicle. It will automatically log all the trips you have taken, either as a driver or a passenger, and all the phone calls you receive or make. USAA SafePilot reviews in the App Store note how easy the app is to use and how it helps drivers stay more cautious while driving. Like USAA auto policies and membership, eligibility is limited to military members, veterans and qualifying family members. The SafePilot app is not available in all states yet. It is currently available in the following 34 states: Alabama Alaska Arizona Arkansas Colorado Florida Georgia Iowa Idaho Kansas Kentucky Louisiana Maine Maryland Minnesota Mississippi Missouri Montana Nebraska New Mexico Nevada North Dakota Ohio Oklahoma Oregon Pennsylvania South Carolina South Dakota Tennessee Texas Utah Virginia West Virginia Wyoming The app is not available in Washington, D.C., internationally or in U.S. territories. What does SafePilot track
Because SafePilot is a telematics app, it relies on tracking multiple aspects of your driving habits to determine the discount. Information collected includes speed, acceleration, braking, swerving, cornering and distance driven. The app also tracks the amount of time spent on phone calls and how many hours you drive. SafePilot’s technology enables it to know and log when you are the driver versus the passenger. Factors that impact your SafePilot score
SafePilot tracks a number of factors to determine your score and ultimately the discount amount you are eligible to receive. Location: Safe driving programs, like the USAA SafePilot app, rely on Bluetooth and wireless technology to gather information. Because of this, you should be aware the app monitors your location even when you are not driving. Time of day: The time of day is recorded since driving in daylight and during less traffic-heavy hours is considered less risky than driving at night or during rush hour. Whether you are the passenger or driver: The USAA SafePilot app will monitor if you are the driver or if you are the passenger. Phone handling: The app will track your active phone use while driving, including the calls you make or messages you send, whether handheld or hands-free. Driving behaviors: The app monitors other driving behaviors including speed, acceleration, braking, swerving, cornering and distance driven to further determine discount eligibility. Harsh braking: This is how much force you use to apply the brakes while driving. Abrupt braking could indicate aggressive driving or other unsafe driving conditions. Hours driven per year: Part of using a usage-based telematics app is monitoring the amount of time you actually spend driving. Generally, the greater number of hours you drive per year, the greater likelihood of an accident. Is USAA SafePilot worth it
If you are looking for a relatively easy way to earn an additional safe driving discount, the SafePilot app may be a good option. Other than downloading the app and exhibiting safe driving behaviors, there is not much work required for you to earn savings. Additionally, you receive up to 10% in savings simply for enrolling. If you have , the program could be a significant way to save on premiums if all the drivers participate in the program. Potential drawbacks of the app involve data privacy issues. Once enabled, the app continuously tracks the driver’s personal driving behaviors, along with in-vehicle behaviors, even when they are not driving. The app also includes hands-free calling in its list of monitored driving behaviors, which means there are possible deductions for answering hands-free calls. The USAA SafePilot app is similar to other telematics apps available on the market. However, programs like give drivers the option to either download an app or use an actual plug-in telematics device. The plug in version allows you to control the monitoring and only tracks your location when it is turned on. The is another option for Geico policyholders, but it is available in far fewer states than the USAA SafePilot app. Who is the USAA SafePilot app a good option for
If you currently have or are planning to obtain a USAA auto insurance policy, SafePilot may offer a way to save a substantial amount on your premiums. If you are comfortable with the trade-off of having an app monitor your location, driving habits and even your hands-free calling usage in order to save up to 30% on premiums, the program could prove to be worthwhile. You could even save up to 10% with the initial policy discounts offered just for signing up for the program. If you’re looking for cheap auto insurance rates, it may benefit you to try out SafePilot. The USAA SafePilot program is available to eligible drivers in your household as long as they are included on your auto policy, which means there may be a way to earn collective savings. Frequently asked questions
Can your rates go up with SafePilot
Unlike some other telematics programs, USAA claims that the SafePilot app only calculates a driver’s discount, meaning that poor driving would not cause your rates to increase. If you’re looking for cheap auto insurance rates, you may want to look into SafePilot. Even if you don’t rack up discounts, the program will not increase your premium, according to USAA.
Who is eligible for USAA SafePilot discounts
USAA SafePilot discounts are available to USAA policyholders who agree to the terms and conditions of the program when downloading USAA’s SafePilot app. However, USAA only offers car insurance policies to active military members, veterans and their qualifying family members. In order to qualify for SafePilot, you must also meet USAA’s military membership requirements.
Is everyone listed on my policy required to participate
No, everyone who is listed on your auto insurance policy with USAA is not required to participate. However, the max discount you can receive will depend on how many eligible drivers on your policy participate in the program. SHARE: Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Related Articles