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USAA

usaa.com · Finance

Ranked 31 of 2,047 companies in the study

48Overall score
  • Visibility45
  • Citations4
  • Sentiment96
  • Site quality67
  • AI readiness29
What this means for USAA

AI assistants name USAA in 46.7% of answers, much more often than the typical company in its sector, which is named in 3.3%. USAA's overall score is 48 out of 100, ranking 31st of 2,047 companies. Its website passes 3 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about the finance market: none named USAA. AI assistants named it in 28 of 60 answers (46.7%). The typical finance company is named in 3.3% of answers. By how often it is named, USAA ranks 6 of 205 in its sector.

Named by AI in
46.7%
28 of 60 answers
Share of mentions
41.8%
compared with 5 rivals
AI readiness
3/14
technical checks passed. Typical for its sector: 3
Rank in its sector
1 of 205
by overall score, where the typical finance company scores 29
How USAA compares with all 2,047 companies

Every dot is a company in the study. Hover one to see it; click to open its report.

This companySame sectorEvery other companyNever named

What makes up the score

Five parts, each scored out of 100.

Visibility
45

How often AI assistants name the company

Citations
4

How often AI uses the company's own website as a source

Sentiment
96

How positively AI describes the company

Site quality
67

How well built the website's own pages are

AI readiness
29

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Compared with finance

205 companies in this sector. The line on each bar is the typical company.

Overall score48
Ranks 1 of 205. Typical company: 29
Named in answers47%
Ranks 6 of 205. Typical company: 3%
AI readiness29
Ranks 30 of 205. Typical company: 21
What Claude actually said

An answer that names the company

“Typical costs of auto insurance tailored to active duty military personnel”

Based on current information, here's what you should know about auto insurance costs for active duty military personnel:

Average Costs

USAA offers the cheapest car insurance for military members and veterans at roughly $57 per month, while GEICO averages $1,192 per year. For comparison, on average, Americans spend about 3% of their income on car insurance.

Key Factors Affecting Costs

Vehicle insurance rates change when military members move to a new duty station, partly because states have different requirements for minimum coverage amounts, and other factors include the driver's age …

The AI’s answer as we received it, shortened and not checked for accuracy.

Also named
Armed Forces Insurance8Navy Federal Credit Union5PenFed Credit Union2
Share of mentions

How the mentions in these answers were split between this company and its rivals

USAA
45.2%
Navy Federal Credit Union
21.0%
Armed Forces Insurance
16.1%
PenFed Credit Union
12.9%
AAFMAA (American Armed Forces Mutual Aid Association)
3.2%
First Command Financial Services
1.6%
Which AI assistants named the company

Answers naming it, out of answers received

Gemini
9/15
OpenAI
7/15
Claude
6/15
Perplexity
6/15
Ready for AI agents

What this website publishes for an AI agent to read, use and buy from, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 92.0%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 86.8%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 0.3%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 5.5%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 1.9%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 25.1%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 93.4%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 1.4%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.2%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 0.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 11.8%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 10.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.0%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.2%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.1%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 0.2%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 33.7%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.1%

Score 25 of 100 · 97% of checks could run · checked on October 3, 2026 · www.usaa.com · 2,047 companies scanned

See how every company did, and how this was measured.

The checks behind the AI readiness score

3 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks
Discoverability
  • Passedrobots.txt publishedstudy: 85.0%
  • PassedXML sitemapstudy: 73.2%
  • Not metHTTP Link headers (RFC 8288)study: 29.0%
Content Accessibility
  • Not metMarkdown content negotiationstudy: 8.3%
  • Not metllms.txt publishedstudy: 21.7%
  • PassedToken budget (page weight)study: 95.2%
Bot Access Control
  • Not metExplicit AI bot rulesstudy: 13.0%
API / Auth / MCP
  • Not metAPI Catalog (.well-known/api-catalog)study: 0.2%
  • Not metOAuth Authorization Server discoverystudy: 10.1%
  • Not metOAuth Protected Resource discoverystudy: 9.3%
  • Not metMCP Server Cardstudy: 0.0%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 4.2%
  • Not metAgent Skills declaredstudy: 0.0%
What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 84% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI
  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly
AI search
  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly
Answering questions
  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

Websites the AI used as sources

How many times each website was listed as a source in these answers

military.com
22
usaa.com (its own website)
21
navyfederal.org
20
afbank.com
18
forbes.com
17
aafmaa.com
14
afi.org
14
nerdwallet.com
13
usnews.com
12
cnbc.com
12

In the study as Large private companies.

Every question, and where the company came up (9 of 15)
QuestionOpenAIClaudePerplexityGemini
  • Military insurance vs civilian insurance: What are the key differences?
  • Typical costs of auto insurance tailored to active duty military personnel
  • Other ways for veterans to save on combined insurance policies
  • Are there low-fee banking services designed for military families?
  • How can military families file a claim for property damage while stationed overseas?
  • Best checking account features for military members who move frequently
  • Alternatives to traditional banks for military retirement solutions
  • Why choose life insurance options specifically tailored to military needs?
  • Top retirement planning tips for veterans transitioning to civilian life
  • What are some options besides standard renters insurance for deployed servicemembers?
  • How does military-focused banking compare to traditional banks in terms of benefits for servicemembers?
  • Should veterans bundle auto and property insurance for better savings?
  • What to do if a deployment affects your ability to access your bank account?
  • Is it worth getting specialized renters insurance for military members?
  • What are the best insurance options for active duty military families?
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. The AI assistants often disagree. Across the study, on 40% of the questions where a company is named, only one of the four names it.

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Overall score 48 of 100 badge for USAA

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