Switched automobiles and home to USAA years ago after State Farm got too greedy.We have 6 cars with USAA and four motorcycles with Progressive. Every few years I have a local broker do a quote but no one ever comes in lower than USAA. Some of our cars are old enough that their value has increased lately.
Your not alone, I deal with every insurance company there is and USAA is the worst. They screw over their customers and do not care. I have never personally had them but 5 out of 6 clients this year alone dropped them after claims were closed due to terrible customer service and refusal to pay.We had USAA and were happy with their car insurance so we tried their home owners insurance. Rates were good and things were fine until we had to use it (small tornado/F1 wind damage to our house back in VA). USAA screwed us dry six ways to Sunday over that damage claim (refused to pay) and that was after they took 6 weeks to send out an adjuster. Neighbors with other companies were promptly taken care of.
We asked them for auto quotes when we moved here a couple years ago and they jacked the rates up. We called around and Progressive (who I had for the motorcycle) gave us a quote that was half of what USAA wanted.
(Good) Customer service is NOT in USAA's vocabulary - we don't recommend them for banking, loans or insurance to anyone - YMMV....
During the 10 years I've had USAA I've had a claim on my roof which was handled promptly. My grandchildren have had two automotive claims which were handled to my satisfaction.That hasn't been my experience, but I've only ever used their auto insurance.
I think my insurance has gone up about 8%, but it's hard to tell since I'm always adjusting what's in storage or not.