Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 24, 2021

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Key Takeaways

  • Only 23 states currently offer USAA SafePilot
  • USAA plans to drastically expand the program’s availability
  • The app tracks safe driving behavior and tailors a discount that follows suit

Telematics programs have become a widespread way of measuring driving behavior. Insurance companies use programs like the one shown in this USAA SafePilot Car Insurance Review to create a unique discount.

This USAA SafePilot Car Insurance Review will cover what the program is, what it measures, and how you get it in greater detail than in our USAA car insurance review.

Before we dive into our USAA SafePilot car insurance review, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable car insurance quotes in your area.

USAA SafePilot Car Insurance Review: What is it?

SafePilot is a program offered to USAA’s insured for safe driving. It exists in service of saving you money just like other driving device car insurance discounts.

For example, just enrolling in the program can net you a 10 percent discount. This would be great for someone looking to consistently save money.

You may be wondering, “What do I need?” All of your information will be stored in the USAA SafePilot App, which is free but does need to be downloaded.

Now you may be wondering, “What do I do?” All you need to do is drive. The app will log and score your driving trips each time.

While you don’t even need to access the app before driving, it is good to do so occasionally to ensure that your device is indeed tracking your mileage.

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Is USAA SafePilot worth it?

Whether or not SafePilot is worth it is dependent upon a few factors. The first is if you’re insured by USAA.

Insurance shopping in and of itself can be a headache. However, SafePilot can outweigh that with a discount upwards of 30 percent. In that regard, SafePilot is very much worth it.

How do you get that discount up to 30 percent? SafePilot uses your phone’s GPS and built-in sensors to keep track of several criteria. First in foremost is safety in driving.

What else does the app monitor? Driving without touching the phone, not braking harshly, and driving without getting too close to the vehicle in front of you are just a few things for which the app rewards points.

USAA SafePilot Car Insurance Review: Where is it available?

USAA only sells insurance policies to members of the military as well as their families. Even with this restriction taken into account, there is another.

USAA SafePilot is only available in less than half of the total U.S. states. Let’s take a look at a table that shows in which states SafePilot is offered and how much the discount is for signing on.

SafePilot Availability
StateParticipation Discount
New Mexico 10%
South Dakota10%
Tennessee 10%
Virginia5% (10% on 8/23)
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Some of these states have just recently been bumped up to the 10 percent participation discount threshold. While SafePilot is currently only offered in 23 states, the company plans to expand throughout 2021.

In short, USAA SafePilot is worth it if you drive safely and don’t mind having your phone tracked. Type your ZIP code into our free and helpful tool below to find affordable car insurance quotes in your area.

Frequently Asked Questions: USAA SafePilot Car Insurance Review (2021)

What follows are a few commonly asked questions about USAA’s SafePilot program.

#1 – Where can I get SafePilot?

You can get USAA SafePilot on the app store.

#2 – What do I do if my USAA SafePilot app is not working?

You can uninstall then reinstall the app or call USAA directly and inquire as to why your miles aren’t being tracked.