USAA members will receive about $3.7 billion in financial rewards in 2025, marking the largest return to members in the Association’s 103-year history. This record total stands out against last year’s $2.2 billion in rewards. USAA says the increase reflects its commitment to military families and its focus on delivering value to members.
Record Financial Rewards in 2025
USAA announced that members are receiving approximately $3.7 billion in financial rewards in 2025. The Association describes this as the highest amount returned to members since USAA’s founding 103 years ago. In comparison, members received $2.2 billion in financial rewards in the previous year.
USAA attributes the record rewards to financial discipline that keeps the Association financially sound while still providing value. The company also points to proactive steps taken by both USAA and members to prevent losses.
Recent Support Initiatives for Members
The announcement follows several recent efforts aimed at supporting members. During a recent government shutdown, USAA provided members with nearly $450 million in zero-interest loans, payment extensions, and fee waivers.
In November, USAA also launched Honor Through Action, which it describes as a five-year, $500 million initiative. The program seeks to strengthen military family resiliency by bringing together public, private, and nonprofit partners. USAA says the initiative focuses on three pillars: meaningful careers, financial security, and overall well-being.
Leadership Perspective
Juan C. Andrade, President and CEO of USAA, said the Association places members at the center of its decisions. He stated that sharing financial results with members reflects USAA’s responsibility to deliver strong value and exceptional service for the military community. He also said USAA takes action every day to keep costs down and protect the long-term value of membership. Andrade added that the company will continue pushing for reforms aimed at addressing broader factors that increase insurance costs for consumers.
Auto Rate Stabilization and Member Savings
USAA has focused on stabilizing auto rates. The company reports that its auto insurance rate changes have been lower on average than competitors and the broader industry. USAA says members save an average of about $100 annually per policy because of these lower changes.
USAA expects rates to continue stabilizing in 2026. At the same time, the company notes that rates vary based on factors such as claims trends, state trends, and a member’s driving record.
Programs to Help Members Reduce Premiums
USAA states that its rewards and rate stabilization efforts support military families. To help members save on insurance premiums, USAA offers bundling and discount programs. Examples include:
• USAA SafePilot®, which the company says saves members an average of over $230.
• Connected Home, which supports early water leak detection.
USAA also notes that if members experience a claim, the company works with them to help them recover quickly.
Expanded Outreach in 2025
In 2025, USAA expanded proactive outreach to members. The company says it reached nearly 3 million policyholders with personalized guidance. This outreach aimed to help members manage insurance costs, identify savings opportunities, and take proactive steps to prevent loss.
About USAA
USAA was founded in 1922 by a group of military officers. The company provides insurance, banking, and retirement solutions. USAA serves 14 million members of the U.S. military, veterans who have honorably served, and their families. The company is headquartered in San Antonio and operates offices in eight U.S. cities and three overseas locations. USAA employs more than 38,000 people worldwide and contributes each year to national and local nonprofits that support military families and communities where employees live and work.
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