There is a major subreddit devoted to trashing USAA.
Nobody is immune to the costs that have driven up insurance rates. Everyone talks about how they can shop around and find a lower rate somewhere else, and then that’s somewhere else raises rates sharply to make up for that initial underprice.
It’s likely that the proper way to shop is not for premium. It’s for service rating. USAA remains in the top 10 perpetually.
Shopping around gets lower coverage costing fewer $$.
It is impossible for the average person to accurately determine the terms of coverage.