USAA Customer Service

Phone Number & Contact Information

800-531-8722
Toll-free·Calls Customer Service·Most popular USAA number
Q:How do I get a live human at USAA?
A: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.
Q:Does USAA offer 24 hour customer service?
A:Not at this number; hours here are Mon-Fri 8am-5pm CST. The least busy day is Thursday, and the most busy day is Monday. Details
Q:How long will I have to wait on hold?
A:The average hold time is 89 minutes. The longest hold times are on Tuesday, and the shortest are on Wednesday.

More USAA Customer Phone Numbers

800-531-6095 - Car Insurance
Toll-free · Press 0 after each prompt or say "Representative" or "Deployment" · Enter your USAA or social security number. If you are not a member, press 1.
800-771-9960 - Financial Advisor
Toll-free · 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.
210-531-8722 - Roadside Assistance
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: 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.
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:
Heard when the phone system first answers
"Welcome to USAA. For English, press one. Or stay on the line. Your call may be monitored or recorded for verification, authentication, and quality assurance. To reach an extension, press the pound key."
Excerpt from a call with USAA
Thursday, January 4, 2024 8:56 PM
They may ask your reason for calling (instead of a menu)
"To get you to the right place, briefly describe what you're calling about."
Excerpt from a call with USAA
Tuesday, March 26, 2024 3:18 AM
They may ask you to enter information with the dial pad
"Welcome to USAA. For English, press one or stay on the line. Your call may be monitored or recorded for verification 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
Wednesday, March 27, 2024 12:51 AM
They may ask you to say or enter information
"Now I need to text the one time code to a mobile phone in your profile.
What are the last four digits of the number I can send that to?
Great. I just sent you that text. Once you open it, please say or enter the six digit code."
Excerpt from a call with USAA
Thursday, March 21, 2024 10:08 PM

What are the hours and when should I call?

USAA operates the call center for this 800-531-8722 phone number Mon-Fri 8am-5pm CT. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 655 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 Thursday. The most busy day to call is Monday, which averages 47% more phone calls by comparison. Again, this is based on a sample of 655 calls made with our AI-powered, web-based phone in the last 90 days.
Mon
Busiest
Tue
Wed
Thu
Quietest
Fri
The shortest wait on hold
We measured the shortest hold times to be on Wednesday. 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 Thursday. 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 Thursday.

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?
Requesting address for title: "I just need an address to send it to for the title pick up."
- From a call lasting 16m 40s , Apr 12, 2024 9:32 PM
Unclear purpose: ""
- From a call lasting 6m 2s , Apr 11, 2024 12:29 AM
Umbrella policy inquiry: "We were wondering if he needs to have an umbrella policy."
- From a call lasting 5m 9s , Apr 10, 2024 7:09 PM
Requesting initial policy email: "He paid with his debit card and he needs to be reimbursed by my fiduciary, so he wanted me to call y'all and ask y'all to send a copy of the initial policy that was canceled to his email address, please."
- From a call lasting 10m 1s , Apr 4, 2024 4:23 PM
Questions about car claim: "I had a claim in They paid a portion of it, but it looks like the amount for the claim is significantly lower than what the it's an electric car."
- From a call lasting 4m 31s , Apr 2, 2024 8:38 PM
Cancellation of auto insurance: "I need to cancel my auto insurance because I'm paying way too much for my auto insurance and I needed to lower it in order to survive."
- From a call lasting 15m 30s , Apr 2, 2024 4:03 PM
Inquiring about policy: "I'm inquiring about a policy."
- From a call lasting 53m 12s , Apr 1, 2024 4:39 PM
Claim for car accident: "My car is being hit by someone with USAA insurance."
- From a call lasting 4m 19s , Mar 27, 2024 12:51 AM
Membership and insurance inquiries: "I had some membership questions and insurance questions about requirements and prerequisites."
- From a call lasting 8m 42s , Mar 26, 2024 10:41 PM
Adding TV coverage: "Hi, I wanted to add a new television to my valuable personal property coverage."
- From a call lasting 22m 36s , Mar 22, 2024 4:36 PM

My Experience Calling 800-531-8722

Nov 20, 2023

I have been seeing the commercials for USAA insurance and was surprised to learn from the commercials that you don't have to be a vet to qualify for their services. You just have to have a veteran in your family, so with that in mind, I thought it was worth calling to see what they could offer me in terms of home insurance. 

I bet they are getting a lot of callers recently for the same reason: the campaign is pretty widespread, and I see it on TV ads while watching Hulu quite a bit. Plus, current policyholders probably call about claims or issues with their insurance policies frequently. Therefore, being on hold for a while would not be unexpected, but the process wasn't too bad. While I did have to wait, it wasn't an inappropriate amount of time. 

When I first called, I was greeted by a virtual assistant who stated, "Welcome to USAA. For English press 1, or stay on the line. To reach an extension, press the pound key. Otherwise, please say or enter your USAA number or social security number. If you are not a member, press 1."

I pressed one, and it replied, "Okay, you’re not a member. 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." I didn't press the two button right away, and it started to talk again but changed the order of what it said. That was a little confusing, and this time through, I made sure to get the option picked right away. Throughout the call, I noticed that it didn't really understand me when I talked. It's a better option to just press the button option. 

After pressing 2, it said, "Thanks, tell me one of the products you are calling about." Then it gave me a list of possible options and added that I could say "membership questions" or ask for more options. I was calling for home insurance, so I said that, and then it had me put my ZIP Code into the call. 

I was then placed on hold, and it took about 12 minutes, but when I got through, I was able to talk to an agent who spoke clearly and answered my questions about my eligibility and their available home insurance premiums. 

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.

More Ways to Contact USAA Customer Service

There are of course other ways to contact USAA customer service besides the phone. Below we list the best ones, by medium.
X (formerly Twitter)
@USAA_help - Customer Service
Customer service Twitter feed
USAA, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.
Facebook / Messenger
Some customer service teams, like that of USAA, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.
USAA's website
Online Help - Claims Support
Use this link to find customer service help through their website
As a last, sometimes only, resort- USAA customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is USAA's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a USAA agent. This phone number is USAA's best phone number because 146,520 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-531-8722 include Coverage Questions, Roadside Assistance, Check on a Claim, Cancel Account, Make a Claim and other customer service issues. The USAA call center that you call into has employees from Arizona and is open Mon-Fri 8am-5pm CT according to customers. In total, USAA has 4 phone numbers. It's not always clear what is the best way to talk to USAA representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for USAA. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like USAA. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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