USAA Returns Record $3.7 Billion to Military Members in 2025

In 2025, USAA returned an unprecedented $3.7 billion in financial rewards to its members, the largest sum in its 103-year history, reflecting its commitment to supporting military families. This marks a significant increase from the $2.2 billion distributed in the previous year and is supported by USAA's strong financial discipline and proactive loss prevention strategies. The association has also implemented measures during recent challenges, such as providing nearly $450 million in zero-interest loans and fee waivers during the government shutdown, reinforcing its dedication to members' financial resilience. USAA launched the 'Honor Through Action' initiative, a $500 million, five-year program aimed at enhancing military family well-being through a collaborative effort with public and private sectors. This initiative focuses on meaningful careers, financial security, and overall wellness, underpinning USAA's holistic approach to serving its military community beyond insurance products. Auto insurance rates for USAA members have been stabilized with average reductions saving approximately $100 annually per policy compared to competitors. The company also promotes cost-saving programs such as SafePilot and Connected Home, which offer discounts and risk mitigation benefits. These efforts contribute to USAA's strategy to manage insurance costs amidst industry-wide pressures and claims trends. USAA's personalized outreach reached nearly 3 million policyholders in 2025, emphasizing education on cost management and loss prevention, signaling a shift towards proactive member engagement. The organization continues to advocate for reforms addressing broader insurance cost drivers affecting consumers nationwide. Founded in 1922, USAA remains a major provider of insurance, banking, and retirement services exclusively for military members, veterans, and their families, employing over 38,000 people with a presence in multiple U.S. cities and overseas. The association also supports military communities through charitable contributions and partnerships. This financial and operational approach demonstrates USAA's dual focus on delivering member value and maintaining financial stability in a dynamic insurance market, underscoring its role as a key player in the military insurance sector.