USAA Pay As You Drive Android

Reviews of USAA Pay As You Drive

List of user reviews and ratings for USAA Pay As You Drive

Total ratings

3.12 (Rating count: 422)

Review summary

Users appreciate USAA Pay As You Drive for its affordable insurance rates and useful driving feedback. However, many report significant issues with the app including frequent crashes, heavy battery drain due to constant location tracking, and inconsistent trip detection causing billing inaccuracies. The scoring system is perceived as harsh and opaque, and management of trip data is tedious especially for those who drive often. While the insurance service is generally well-regarded, the app's instability and usability problems frustrate many users and detract from the overall experience.
Pros
  • Insurance rates are competitive and can be very affordable, especially for low-mileage drivers.
  • The insurance service provides helpful feedback and tips to improve driving behavior and lower costs.
  • Claims service and roadside assistance are reported as efficient and helpful by some users.
  • The app design is generally easy to use and straightforward.
  • Prompt refunds or adjustments are offered when errors are acknowledged by the company.
Cons
  • The app frequently crashes, logs users out, or stops running in the background requiring manual intervention.
  • It consumes significant battery power due to constant location tracking and poor optimization.
  • Trip detection is inconsistent, leading to incorrect charging including offline rates and manual corrections.
  • Harsh and confusing scoring system for driving behavior with little transparency.
  • Difficulties managing multiple trips and inability to batch edit trips make it cumbersome for frequent drivers.
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User Reviews

Recent rating average: 2.70
All time rating average: 3.12
Upgrade to see all 259 reviews
 5 star
2% (4)4 star
0% (1)3 star
2% (5)2 star
3% (8)1 star
3% (7)
DateAuthorRatingComment
2025-01-20
Ju*****		 Great prices, but they bill you when their app acts up and logs you out on its own even when you've granted all permissions they request. It would be better if there were notifications from the app of even a text instead of finding out late from my email I hardly check. They grade you on the roads you choose to drive and if you drive between 11pm and 4am.
Great prices, but they bill you when their app acts up and logs you out on its own even when you've granted all permissions they request. It would be better if there were notifications from the app of even a text instead of finding out late from my email I hardly check. They grade you on the roads you choose to drive and if you drive between 11pm and 4am.
2025-01-15
La*****		 The app does well keeping up with miles driven and events; however, it mysteriously "disappears" at various times. I have tried to determine if it is fighting with another app. Sometimes it crashes other times it doesn't, no matter the app. I have followed all instructions and practically signed over all my phone's permissions to it, to no avail. I have been logging in every day now (which I was told once a week was ok). NOBLR is great but the app is not.
The app does well keeping up with miles driven and events; however, it mysteriously "disappears" at various times. I have tried to determine if it is fighting with another app. Sometimes it crashes other times it doesn't, no matter the app. I have followed all instructions and practically signed over all my phone's permissions to it, to no avail. I have been logging in every day now (which I was told once a week was ok). NOBLR is great but the app is not.
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