After nearly 20 years with USAA I switched to State Farm and dramatically cut my rates. USAA isn't what it used to be.
American Classic car ins. declared value, no real restrictions on driving. I have 3 cars under it, 81 Vette, 74 TR6 and the 05 TJ all for about $540/year and that is here in lower NY. They paid out really well when I crashed the TR6 into my work van in my own driveway.
I was referring to classic car insurers (Grundy, Hagerty, etc) with respect to off-road use. I haven't heard of any issues with coverage from regular insurance companies.A lot of polices have exclusions for racing and competition but not generally for off road use. Best to check your individual policy. Otherwise farmers and Contractors would never be able to get insurance. Insurance does cover stupidity more often thank you may think.
I was with State Farm also for over a 25 years. Then a a year ago they dropped coverage on my Mountain Home saying it was in a fire area. I checked with several and no one will cover fire areas in CA, so I had to go with the California Fair Plan. The Fair Plan is anything but fair, it is a CA plan for people that have been canceled and it only covers fire, wind things like a tree coming thru your house. It does cover theft, liability or water damage and my coverage went from around $1,400.00 a year to $4,800.00. So I dropped State Farm and went to Allstate and a little better coverage a little less, moved three cars, my home and one rental house sorry State Farm
I've been with USAA since '66
I've had claims for damage to my home, but never for a vehicle
Last November I was involved in a car accident. The other driver was at fault, his insurance company (Progressive) was very slow to respond. I contacted USAA and they have been handling everything. So far they have paid out more than 28k for repairs tomy 2022 Volvo. I'm sure I could find a cheaper rate but I doubt that I could find better coverage.