{"id":161,"date":"2026-05-10T10:31:50","date_gmt":"2026-05-10T10:31:50","guid":{"rendered":"https:\/\/sanantoniomovingreport.com\/?p=161"},"modified":"2026-05-10T10:31:50","modified_gmt":"2026-05-10T10:31:50","slug":"usaa-says-capital-growth-shows-financial-strength-as-it-plans-to-lower-insurance-rates-nationwide-2","status":"publish","type":"post","link":"https:\/\/sanantoniomovingreport.com\/?p=161","title":{"rendered":"USAA says capital growth shows financial strength as it plans to lower insurance rates nationwide"},"content":{"rendered":"
\n

USAA announced growth in its net worth for the third year in a row, reaching $38.6 billion, and finishing 2025 as one of the 20 largest holding companies in the United States.<\/p>\n

Read more Done right, data centers can help keep San Antonio\u2019s power bills in check<\/a><\/p>\n

The San Antonio-based bank and insurer is growing its member base and raising capital to do so. It released its annual members report for 2025 and highlighted its financial strength under new CEO Juan Andrade.<\/p>\n

It\u2019s part of a multi-year turnaround for the company after it reported losses in 2022. Since then, USAA has grown its total assets from $204 billion to $235 billion. It\u2019s also added 2 million members since 2023, said Lindsey O\u2019Neill, an executive vice president and the company\u2019s chief communications officer.<\/p>\n

That\u2019s as much as USAA decided to disclose this year, though. Past membership reports have included revenue and loss statements. This year, the company omitted those numbers, instead highlighting its cash returns to members and insurance payouts.<\/p>\n

As a private company, USAA does not have to disclose its revenues or expenses publicly. O\u2019Neill said the company wanted to focus on its members, not profits or losses, including $3.8 billion in distributions, dividends and bank rebates that it passed out in 2025.<\/p>\n

\u201cThis year\u2019s performance reflects the strength of that focus \u2014 keeping members at the center of everything we do \u2014 and demonstrates a financially healthy organization, with all lines of business contributing\u00a0 to our overall results,\u201d O\u2019Neill said.<\/p>\n

While USAA did not share any specific information on revenues or profits, O\u2019Neill said the bank and insurance giant would deliver record returns to members \u2014 that $3.8 billion distribution \u2014 and lower insurance rates next year.<\/p>\n

USAA\u2019s growth in net worth went from $32.3 billion in 2024 to $38.6 billion in 2025, which has allowed it to invest internally. O\u2019Neill said the company was prioritizing quick responses to insurance claims and needs, particularly after natural disasters.\u00a0<\/p>\n

The company says it is also financially strong enough to commit to lower insurance rates for half its customers.<\/p>\n

Read more San Antonio considers lowering neighborhood speed limit to 25mph, but it may not be enough<\/a><\/p>\n

\u201cFifty percent of our members will see a premium reduction in 2026. The timing as to when that will roll out is [to be decided],\u201d O\u2019Neill said. \u201cThere\u2019s a process to do that, to file those decreases. But we have members who live across the U.S., also internationally, and across all major military markets, of which San Antonio is one.\u201d<\/p>\n

Those reductions will depend on driver history, location and safety, O\u2019Neill said. Building trust in clients and potential clients is important, O\u2019Neill added.<\/p>\n

\u201cIn [this] kind of macroeconomic environment, people are shopping and they\u2019re asking, \u2018How do I help my dollar stretch further?\u2019\u201d she said.<\/p>\n

Insurance rates are increasing across the country. Premiums for homeowner\u2019s insurance in the U.S. increased by 6.5% in 2025 while premiums for auto insurance grew by around 3%, according to data from the Federal Reserve Bank of St. Louis.<\/p>\n

\u201cThere\u2019s really a few things that factor into rising costs of insurance rates,\u201d O\u2019Neill said. \u201cThe three big ones are the cost to repair, be it home or auto. The second one is what we were just talking about, the increase in severe weather events \u2026 the third is around legal system abuse.\u201d<\/p>\n

USAA paid out $5 billion to customers after climate catastrophes, compared to $4.3 billion in 2024. Increased fossil fuel emissions are driving a changing climate and more extreme weather events around the world.<\/p>\n

O\u2019Neill said insurers are also concerned about costly settlements and frequent lawsuits, which cost them money. USAA is advocating for laws to address what it calls excessive litigation. That would help lower rates, she said.<\/p>\n

Read more Done right, data centers can help keep San Antonio\u2019s power bills in check<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

USAA released its annual members report for 2025 highlighting its financial strength, but did not share income or loss data from last year.<\/p>\n","protected":false},"author":1,"featured_media":151,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interesting"],"yoast_head":"\nUSAA says capital growth shows financial strength as it plans to lower insurance rates nationwide - San Antonio moving report<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sanantoniomovingreport.com\/?p=161\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"USAA says capital growth shows financial strength as it plans to lower insurance rates nationwide - 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