Discuss with USAA and ask about the Service Academy non-operator situation, being very specific about USMMA, same status as any of the other four.
This is NOT an away-at-school discount. Your mid or cadet comes off the policy as a family driver, and you no longer pay that portion of the premium. They are covered on visits home the same way Aunt Bess is if she borrows the car while visiting. They know your mid will not have a car there for some years, and will not be driving much during their SA time.
At the point where they will have a car there, or regularly borrowing others’ cars, that’s the time for them to have a car in their own name as the registered owner and get a USAA auto policy in their own name, setting them up as independent USAA members and getting the appropriate rate as first, service academy cadets or midshipmen (different then their ROTC peer, generally less) and then the O-1 Officer rate, better than family member of USAA member.
Cheerfully launch them toward that and a small personal property policy that covers laptop, class ring, sports gear, personal stuff, no matter if still in the room at home, at USMMA, in a storage locker, at a sponsor’s house. That way they are off your own homeowner’s or personal property policy for what are generally small claims below your deductible.
Don’t hesitate to escalate the call to a manager and push through to someone who knows how to look up the internal screen showing the five SAs and how they are handled for auto. Of the millions of USAA members, this is a relative trickle each year, and some phone reps don’t see incoming SA-related calls that often.
Of course, talk through all the ramifications, risks and scenarios.
Caveat: I used to work for USAA, but not as a licensed rep, and this is what I would hear the reps in the Annapolis office tell USAA members with incoming plebes.