A:When the voice prompts begin, press #, then enter the 5-digit extension and then hit # again. The human will transfer you to the right department.Our free phone can also navigate phone menus to get a live human at USAA for you.
Q:
Does USAA offer 24 hour customer service?
A:Not at this number; hours here are Mon-Fri 8am-5pm CST.The least busy day is Wednesday, and the most busy day is Friday.Schedule a call when the call center is open and when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 1 minute and 38 seconds.The longest hold times are on Friday, and the shortest are on Tuesday.You can skip the hold time for free.
Toll-free · Mon-Fri 8am-5pm CST · Press 0 after each prompt or say "Representative" or "Deployment" · Enter your USAA or social security number. If you are not a member, press 1. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · Mon-Fri 8am-5pm CST · Press *8 at the beginning, and then press 0 when you get to the Main Menu. · Enter your USAA or social security number. If you are not a member, press 1. · Free tools available: Talk for me, Skip the wait, Schedule my call
Mon-Sun 8am-5pm CST · Calling this USAA number should go right to a real human being · Enter your USAA or social security number. If you are not a member, press 1.
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for USAA below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this USAA phone number to document the phone system.
Here is how our research team describes the way the USAA phone system greets you: Enter your USAA or social security number. If you are not a member, press 1.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:When the voice prompts begin, press #, then enter the 5-digit extension and then hit # again. The human will transfer you to the right department.
Below are some clips we've found from USAA's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Welcome to USAA. For English, press one.
Or stay on the line.
Your call may be monitored or recorded for verification, authentication, and quality assurance.
To reach an extension, press the pound key."
Excerpt from a call with USAA
Thursday, January 4, 2024 8:56 PM
They may ask your reason for calling (instead of a menu)
"To get you to the right place, briefly describe what you're calling about."
Excerpt from a call with USAA
Tuesday, March 26, 2024 3:18 AM
They may ask you to enter information with the dial pad
"Welcome to USAA.
Your call may be monitored or recorded.
For verification, authentication, and quality assurance.
To reach an extension, press the pound key.
Otherwise, please enter your Social Security or USAA member number."
Excerpt from a call with USAA
Tuesday, June 17, 2025 7:30 PM
They may ask you to say or enter information
"Welcome to USAA.
Your call may be monitored or recorded for verification verification, authentication, and quality assurance.
To reach an extension, press the pound key.
Otherwise, please enter your USAA or please say or enter the extension."
Excerpt from a call with USAA
Monday, April 7, 2025 3:55 PM
What are the hours and when should I call?
USAA operates the call center for this 800-531-8722 phone number Mon-Fri 8am-5pm CT.The short answer is that you should call on a Tuesday.This observation and the following section are based on analysis of a sample set of 1,797 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with USAA at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this USAA phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like USAA staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call USAA is Wednesday.The most busy day to call is Friday, which averages 46% more phone calls by comparison.Again, this is based on a sample of 1,797 calls made with our AI-powered, web-based phone in the last 90 days.
Mon
Tue
Wed
Quietest
Thu
Fri
Busiest
The shortest wait on hold
We measured the shortest hold times to be on Tuesday.The longest wait in the queue on average occurs on Friday, which is 290% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call USAA is Tuesday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that USAA staffs up on Tuesday to handle the higher call volume, and that makes it the best time to call.
I have been seeing the commercials for USAA insurance and was surprised to learn from the commercials that you don't have to be a vet to qualify for their services. You just have to have a veteran in your family, so with that in mind, I thought it was worth calling to see what they could offer me in terms of home insurance.
I bet they are getting a lot of callers recently for the same reason: the campaign is pretty widespread, and I see it on TV ads while watching Hulu quite a bit. Plus, current policyholders probably call about claims or issues with their insurance policies frequently. Therefore, being on hold for a while would not be unexpected, but the process wasn't too bad. While I did have to wait, it wasn't an inappropriate amount of time.
When I first called, I was greeted by a virtual assistant who stated, "Welcome to USAA. For English press 1, or stay on the line. To reach an extension, press the pound key. Otherwise, please say or enter your USAA number or social security number. If you are not a member, press 1."
I pressed one, and it replied, "Okay, you’re not a member. If you are a business or need help with a claim, press 1. If you are interested in joining USAA or want to learn more about our products or services, press 2." I didn't press the two button right away, and it started to talk again but changed the order of what it said. That was a little confusing, and this time through, I made sure to get the option picked right away. Throughout the call, I noticed that it didn't really understand me when I talked. It's a better option to just press the button option.
After pressing 2, it said, "Thanks, tell me one of the products you are calling about." Then it gave me a list of possible options and added that I could say "membership questions" or ask for more options. I was calling for home insurance, so I said that, and then it had me put my ZIP Code into the call.
I was then placed on hold, and it took about 12 minutes, but when I got through, I was able to talk to an agent who spoke clearly and answered my questions about my eligibility and their available home insurance premiums.
Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.
Why Customers Call USAA
If you have time to do a bit of reading before you call USAA, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any USAA customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to USAA, and their purpose. Are any of these similar to the reason you are trying to call?
Login issues: "I can't log in to my banking, and I wanna check my balance."
- From a call lasting 4m 24s , Jul 18, 2025 9:35 AM
Claim status inquiry: "I'm having a very, very time trying to find out the claim status of my automobile claim that was where it was totaled out."
- From a call lasting 10m 38s , Jul 17, 2025 9:36 PM
Information about why customers call USAA is extracted from issues that customers have reported to GetHuman.
USAA, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.
Some customer service teams, like that of USAA, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.
Use this link to find customer service help through their website
As a last, sometimes only, resort- USAA customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is USAA's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a USAA agent. This phone number is USAA's best phone number because 3,576 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-531-8722 include Coverage Questions, Cancel Account, Make a Claim, Check on a Claim, Roadside Assistance and other customer service issues. Rather than trying to call USAA first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or facebook or twitter. In total, USAA has 4 phone numbers. It's not always clear what is the best way to talk to USAA representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for USAA. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like USAA. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
