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.

Ease of Filing a Claim

Farmers Insurance and USAA offer convenient methods for filing insurance claims, catering to modern digital preferences. Both companies provide online claim filing options through their respective websites or mobile apps, making it easy for policyholders to initiate claims at their convenience. Additionally, claims can often be filed over the phone, ensuring flexibility in the process.

Average Claim Processing Time

The efficiency of claim processing is a crucial aspect of customer satisfaction. Farmers Insurance and USAA strive to process claims swiftly and efficiently to provide timely assistance to their policyholders. The average claim processing time may vary based on the complexity and nature of the claim, but both companies prioritize prompt handling to expedite settlements.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback regarding claim resolutions and payouts is valuable in understanding the overall claim experience. Reviews and testimonials from policyholders can shed light on the satisfaction levels with the claim settlement process, the fairness of payouts, and the responsiveness of the insurance companies in addressing their claims.

Evaluating customer feedback can help potential policyholders make informed decisions regarding their choice of insurer.

Mobile App Features and Functionality

Farmers Insurance and USAA offer mobile applications that come equipped with a range of features to enhance the user experience. These apps often allow policyholders to access their policy information, file claims, make payments, and view important documents directly from their smartphones or tablets.

The functionality and ease of use of these apps play a significant role in enhancing customer engagement and satisfaction.

Online Account Management Capabilities

Online account management is a crucial digital feature that enables policyholders to access and manage their insurance policies conveniently. Both Farmers Insurance and USAA offer user-friendly online platforms where policyholders can log in to their accounts, view policy details, update personal information, make payments, and track claims.

This digital convenience ensures a seamless and efficient insurance management experience.

Digital Tools and Resources

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.