USAA Car Insurance

Phone Number & Getting a Rep

USAA Car Insurance number

800-531-6095
Toll-free·Calls Car Insurance·See main phone number & contact info
Q:

How do I talk to a human at this USAA number?

A:Press 0 after each prompt or say "Representative" or "Deployment"
Q:

Does this phone number work 24/7?

A:No. Hours for this phone number are Mon-Fri 8am-5pm CST. The least busy day is Monday, and the most busy day is Thursday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to USAA Car Insurance?

A:The average hold time is 7 minutes. The longest hold times are on Tuesday, and the shortest are on Friday.

All USAA customer service contact information

This is the #2 most popular USAA phone number out of 4. Click above to go back to the main customer service number and other contact information, including USAA email addresses, twitter handles, and live chat options.

More USAA Customer Phone Numbers

Customer Service

800-531-8722
Main phone number · Toll-free · Mon-Fri 8am-5pm CST · When the voice prompts begin, press #, then enter the 5-digit extension and then hit # again. The human will transfer you to the right department. · Enter your USAA or social security number. If you are not a member, press 1.

Financial Advisor

800-771-9960
Toll-free · Mon-Fri 8am-5pm CST · Press *8 at the beginning, and then press 0 when you get to the Main Menu. · Enter your USAA or social security number. If you are not a member, press 1.

Roadside Assistance

210-531-8722
Mon-Sun 8am-5pm CST · Calling this USAA number should go right to a real human being · Enter your USAA or social security number. If you are not a member, press 1.

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this USAA phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 0 after each prompt or say "Representative" or "Deployment"
Here is how our research team describes the way the USAA phone system greets you: Enter your USAA or social security number. If you are not a member, press 1.
Below are some clips we've found from USAA's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to enter information with the dial pad

"Welcome to USAA. Your call may be monitored or recorded for verification, authentication, and quality assurance.
To reach an extension, press the pound key.
Otherwise, please enter your USAA or Social Security number."
Excerpt from a call with USAA
Tuesday, June 11, 2024 4:18 PM

What are the hours and when should I call?

USAA operates the call center for this 800-531-6095 phone number Mon-Fri 8am-5pm CT. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 24,420 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this USAA phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like USAA staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call USAA is Monday. The most busy day to call is Thursday. Again, this is based on a sample of 24,420 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Tuesday.

The best time to call

In summation, the best day to call USAA is Monday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that USAA staffs the call center well on Monday.

Why call this USAA number?

Below is a sample of recent calls to USAA, and their purpose. Are any of these similar to the reason you are trying to call?
: ""
- From a call lasting 15s , Oct 3, 2024 4:45 PM
: ""
- From a call lasting 46s , Aug 27, 2024 9:55 PM
Adding son to car insurance: "My son just got his driver's license, I want to add him to our car insurance policy."
- From a call lasting 20m 16s , Jun 25, 2024 11:54 PM

Calling this USAA Customer Number

Nov 20, 2023

I am considering getting a new car, meaning it's time to shop around for a new auto loan. There are a lot of choices out there when you start to think about financing a new car, but I ended up looking at USAA because they seemed to have some good discounts. My husband was in the military ten years ago, and I believe that makes our family eligible to take out a USAA loan based on the advertisements I have seen on the television. 

I wasn't sure how quickly I would be able to talk to someone because I know they must get a lot of phone calls. In addition to new clients, they also have to deal with everyone who already has some type of policy with them. USAA offers many financial products, including auto loans, home insurance, life insurance, and driving insurance, which I am sure means they get a lot of phone calls daily. 

To my delight, it was easy to navigate my way through the directory tree, and within just two minutes, I was waiting to talk to someone about a potential auto loan. I will note that I spent about 14 minutes on hold while waiting, but I didn't have to waste too much time getting there. The agent spoke clear English once I got to them, which is always a perk. 

When I called, I was greeted by an automated female voice and told, "Welcome to USAA. For English, press 1, or stay on the line." I chose English, and then it told me that if I had an extension number, I could press the pound key; otherwise, I should say or enter my USAA number or social security. There was a brief pause, and then it said, "If you're not a member, press 1."

I pressed one, and it acknowledged that I said I wasn't a member and stated, "If you are a business or need help with a claim, press 1. If you are interested in joining USAA or want to learn more about our products or services, press 2." Then it asked me to tell it what product I was calling about, so I said auto loans. 

The automated assistant quickly responded, "Okay, to serve you better, I will need to ask you a few eligibility questions. Are you currently serving, or have you ever served in the US military?" I answered yes, and that was all it took. I was sent to the hold line, and after waiting for a bit, I was able to talk to an extremely helpful agent. 

Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.
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