Farmers vs. USAA Car Insurance: Expert Recommended (2023)

If you are here with us today, you have most likely begun the process of finding your next, or possibly first, insurer. To assist in simplifying the difficult choice, we’ll be comparing Farmers vs. USAA. So, USAA or Farmers: which company is the best for you?

If you would like to learn more about Farmers Insurance specifically, be sure to read our Farmers Insurance Group review.

Before we get into details, feel free to type your ZIP code into our free and helpful tool above to find affordable car insurance rates in your area. You will see a wide variety of choices for insurance coverage when you shop for different policy offerings, and not just from major providers.

What can Farmers do for you?

When comparing insurers, the best place to start is with each company’s pricing structure. Let’s take a look at Farmers’ rates in comparison to state averages.

As you can see, out of the 32 states in which Farmers operates, it is cheaper in only nine. This is not particularly encouraging, but we’ll get a chance to compare Farmers to other companies later on.

Auto insurance providers are all about risk. The more a driver is on the road, the more they are seen as a risk. Let’s take a look at Farmers’ rates for different commute levels.

As you can see, and it is rather unusual, Farmers’ rates are comparable for the different commute levels.

Let’s now move on to what, if any, discounts Farmers offers.

Farmers Discounts

Farmers’ most widely known discount is through an app for your phone called Signal. This app analyzes driving behavior and attributes a discount to your account should you display a tendency for safe driving.

Keep in mind that Signal offers not just one but a variety of discounts. Sure, if you drive safely you’ll get the monthly discount, but you also get a 5 percent discount solely for having the app installed.

Let’s now move on to analyzing USAA to see how they compare.

What can USAA do for you?

Just as we did with Farmers, we’re going to begin with pricing. Let’s now take a look at a table showing rates for the 10 most prominent insurers throughout the country.

As you can see, both Farmers and USAA operate in 29 states. Farmers is more expensive than USAA in all 29 of these states. Clearly, USAA has a leg up when it comes to pricing. In fact, in quite a few of these states, USAA is only half the price of Farmers. This is not to mention all of the discounts they offer, many of which are as simple as using your USAA login.

Let’s now move on to wrap up with how USAA is rated. In the meanwhile, if you’d like to learn more about USAA, read our USAA Insurance review.

USAA Ratings

We’ve covered pricing. We’ve covered discounts. Let’s look at one last criterion that is very important when it comes to comparing insurers: their ratings.

The best way to go about this is to look at the reviews given by A.M. Best and the Better Business Bureau. Let’s take a look at a table showing these two companies’ ratings for USAA.

As you can see, USAA scored an outstanding A++ rating from A.M. Best. As encouraging as this is, the Better Business Bureau‘s rating of B- is not so encouraging.

All in all, just keep in mind that price isn’t the only thing you’re looking for. Inquire as to how many discounts you can accrue no matter which insurer you go with. Also, compare the ratings for insurers. Make sure you’re going with a company that will be financially helpful for the foreseeable future.

Ready to buy car insurance? Type your ZIP code into our free and helpful tool below to find reasonable car insurance quotes in your area.