USAA Announces Record $3.7 Billion Member Financial Rewards in 2025

USAA is set to distribute approximately $3.7 billion in financial rewards to its members in 2025, marking the largest return in its 103-year history and a significant increase from $2.2 billion in 2024. This record payout reflects USAA's sustained financial discipline and its commitment to delivering value to military families. The insurer highlights proactive loss prevention measures by both the company and its members as key contributors to this outcome. In addition to member rewards, USAA has undertaken recent initiatives including providing nearly $450 million in financial relief during a government shutdown through zero-interest loans, payment extensions, and fee waivers. In November 2025, USAA launched a five-year, $500 million program called Honor Through Action, aiming to enhance military family resiliency by partnering across public, private, and nonprofit sectors, focusing on careers, financial security, and well-being. USAA continues to prioritize stabilizing auto insurance rates, reporting that its rate increases have remained below competitors and the broader market average, resulting in an average member savings of about $100 annually per policy. The insurer expects rate stabilization trends to persist through 2026, while recognizing that rates depend on factors such as claims and state-specific trends. To further support members, USAA offers various discount programs including SafePilot®, which averages savings of over $230 per member, and Connected Home for early water leak detection. The company also emphasizes responsive claims handling designed to assist members in rapid recovery from losses. Enhancing member engagement, USAA expanded its proactive outreach in 2025, contacting nearly 3 million policyholders with personalized guidance to help manage insurance expenses, uncover savings, and implement loss prevention strategies. Founded in 1922, USAA serves 14 million members from military backgrounds providing insurance, banking, and retirement solutions, backed by a global workforce and a commitment to community support.