USAA SafePilot Review (2021)

USAA SafePilot can prevent distracted driving, promote safe driving habits, and provide up to a 20 percent discount on your USAA auto insurance rates. The app is always running on your smartphone, and your discount is assessed anew for each six-month policy period. You get an initial 5 percent discount for trying it out.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Everyone gets a 5 percent discount just for trying SafePilot
  • Only members of the military, veterans, and their immediate family members can get auto insurance from USAA
  • Discounts of up to 20 percent are possible depending on your driving habits
  • The amount of your discount varies from policy period to policy period

Our USAA SafePilot review will explain how you can save between 5 and 20 percent by trying out their usage-based auto insurance program. Simply download the app, and USAA will monitor your driving habits while you are going about your daily commute or errands.

After you get your score, USAA will calculate your discount amount with telematics data using the mechanisms in your smartphone like GPS and Bluetooth.

It’s a good idea to fully understand auto insurance prior to taking the UBI dive, especially since SafePilot adjusts your discount based on your driving habits as you renew each six-month policy.

If you aren’t happy with your USAA SafePilot discount, you can always shop around to make sure you get the best affordable auto insurance. Enter your ZIP code now to compare quotes from multiple auto insurance companies.

What is the USAA SafePilot program?

SafePilot is an app offered by USAA insurance to promote safe driving habits resulting in up to a 20 percent discount on your next six-month policy renewal.

Several of the top auto insurance companies monitor your driving for only 90 days and you get only one chance to try for the discount.

SafePilot is different because of its commitment to preventing accidents.

SafePilot continually monitors your driving habits and recalculates your discount to be used on your next six-month policy period. The discount can vary from policy period to policy period.

You can use your USAA login to view each of your trips. SafePilot monitors the following driving habits:

  • Your vehicle location
  • Whether you are driving during the day or night
  • Hard braking
  • Any hands-free calls you make
  • How often and for how long you handle your phone
  • If you are the driver or the passenger

USAA feels safe driving is important and uses SafePilot to prevent distracted driving. Also, many fatal accidents happen late at night.

USAA is doing its part because in 2018, more than 2,800 people were killed and 400,000 were injured through some form of distracted driving, as the Centers for Disease Control and Prevention (CDC) reports.

SafePilot is especially helpful to promote teen driver safety. If the entire family participates in these efforts to reduce distracted driving, you will have for sure earned your discount.

One downside, however, is that SafePilot is always running in the background no matter if the app is open or not on your smartphone. This can lead to your phone battery being depleted or burning through your data plan.

If you choose to buy SafePilot, be sure to keep a phone charger in the car and consider an unlimited data plan with your cell service provider.

USAA promises to privatize your data and use it only for further research. Telematics is just beginning. In fact, USAA is adding features to SafePilot to collect data when you are in an accident.

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Is SafePilot worth it?

SafePilot is worth it when it comes to making you improve your driving habits and helping to prevent distracted driving. It is free and simple to use, and it can save you money.

USAA customers that use SafePilot provide good reviews. Even though the app is supposed to know whether you are a driver or a passenger, users say this is one weakness of their app.

If you would like to try out other usage-based auto insurance programs, most companies will promote a trial period for any potential new customers.

Some companies offer great discounts on auto insurance for military dependents, and stacking a military discount with a usage-based program discount could mean big savings. Find out the best auto insurance companies for veterans and military personnel using our quote tool.

That’s why it’s important to get auto insurance quotes from multiple auto insurance companies before choosing USAA and signing up for SafePilot. Enter your ZIP code to compare quotes today.

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