I too dropped USAA. After 20 years with them I got in an accident. It's questionable if it was my fault, but I didn't fight it and they blamed me. My rates shot up to about 4 times the previous rate, i.e. $500 to over $2,000 per six months. I switched to State Farm and it was only about 30% more than my previous USAA rate. Then three years later the accident was removed from my record and State Farm was still cheaper than USAA.

When I was first notified of the rate increase, I wrote a letter to USAA with my outrage. The response I got was; USAA had been getting a lot of claims from the south coastal areas since they have a large population of members down there, and they were loking for any excuse they could to raise rates to the maximum level.

Apparently I'm not the only one who dropped them, since they are trying to get back to a more realistic. rate.