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Here's how USAA and Root compare in official complaint data. We don't provide quotes; get them from the companies or an agent.
| USAA | Root | |
|---|---|---|
| Auto complaint index (Indiana, 2025) | 1.69 (12 complaints on $146M premium) | 3.69 (5 complaints on $28M premium) |
| Homeowners complaint index (Indiana, 2025) | 0.63 (6 complaints on $109M premium) | No complaints listed (Indiana lists only insurers with complaints) |
| Auto justified complaints (California, 2025) | 2.8 justified complaints per 100,000 insured vehicles (45 complaints; 4 companies) | 4.8 justified complaints per 100,000 insured vehicles (2 complaints; 1 company) |
| Auto complaint index (Missouri, 2021–23) | 0.98 (75 complaints, 2021–23; 4 companies) | 1.84 (14 complaints, 2021–23; 1 company) |
| Homeowners complaint index (Missouri, 2021–23) | 0.48 (29 complaints, 2021–23; 4 companies) | Not in Missouri's top-40 list |
| Company site | https://www.usaa.com/ | https://www.joinroot.com/ |
| Quotes | We don't sell or provide quotes | We don't sell or provide quotes |
Sources: Indiana DOI 2025 Auto Complaint Index (homeowners: in.gov/idoi/files/Homeowners-Complaint-Index-2025.pdf) (checked 2026-10-12) · Indiana DOI 2025 Auto Complaint Index (homeowners: in.gov/idoi/files/Homeowners-Complaint-Index-2025.pdf) (checked 2026-10-12)
Auto complaint index (Indiana, 2025): USAA 1.69 (12 complaints on $146M premium), Root 3.69 (5 complaints on $28M premium); Homeowners complaint index (Indiana, 2025): USAA 0.63 (6 complaints on $109M premium), Root No complaints listed (Indiana lists only insurers with complaints); Auto justified complaints (California, 2025): USAA 2.8 justified complaints per 100,000 insured vehicles (45 complaints; 4 companies), Root 4.8 justified complaints per 100,000 insured vehicles (2 complaints; 1 company); Auto complaint index (Missouri, 2021–23): USAA 0.98 (75 complaints, 2021–23; 4 companies), Root 1.84 (14 complaints, 2021–23; 1 company); Homeowners complaint index (Missouri, 2021–23): USAA 0.48 (29 complaints, 2021–23; 4 companies), Root Not in Missouri's top-40 list; Company site: USAA https://www.usaa.com/, Root https://www.joinroot.com/; Quotes: USAA We don't sell or provide quotes, Root We don't sell or provide quotes.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.