you must be a military officer to get usaa. then your family can get it. my mom was a Major in the army (nursing). that's how i have it. but with full coverage i'm paying about 370 a month. philly insurance sucks plus i've got a less then clean driving record. but USAA is an amazing company to get involved with. if you can qualify, i'd try to get in with them....oh and i'm 24.