USAA auto insurance costs for drivers with a DUI are low compared to competitors. The national average for drivers with a DUI is $3,593 a year. USAA’s rates are around $800 a year cheaper than , USAA car insurance costs an average of $1,464 per year for full coverage, compared to the national average of $2,290. These rates are according to NerdWallet’s June 2025 analysis., Both State Farm and USAA made CNBC Select's best car insurance list, but USAA is tops for price. The average annual premium for full coverage is $1,709, compared to $2,406 with State Farm., , , .