Farmers vs. USAA Car Insurance: Expert Recommended (2023)
When comparing Farmers vs. USAA there are several criteria to analyze. As far as pricing goes, USAA wins across the board. Both companies offer a plethora of discounts, especially USAA. Furthermore, both companies are well-reviewed by the BBB and A.M. Best.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: Jun 17, 2022
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 17, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can find insurance discounts and a wide range of insurance products from both Farmers and USAA.
- Farmers is only cheaper than nine of the state averages.
- USAA offers more competitive pricing in the majority of states.
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.
State | Farmers Average Monthly Car Insurance Rates | Higher/Lower Than State's Average Monthly Rates ($) | Higher/Lower Than State's Average Monthly Rates (%) |
---|---|---|---|
Alabama | $348.82 | $51.57 | 1.23% |
Arkansas | $354.82 | $11.07 | 0.26% |
Arizona | $416.67 | $102.43 | 2.05% |
California | $416.57 | $109.15 | 2.18% |
Colorado | $440.85 | $117.82 | 2.23% |
Hawaii | $396.99 | $184.02 | 3.86% |
Iowa | $202.98 | -$45.46 | -1.87% |
Idaho | $264.02 | $15.77 | 0.50% |
Illinois | $383.77 | $108.31 | 2.35% |
Indiana | $286.46 | $1.88 | 0.06% |
Kansas | $308.65 | $35.35 | 0.95% |
Maine | $230.85 | -$15.26 | -0.55% |
Michigan | $708.63 | -$166.25 | -1.96% |
Minnesota | $261.45 | -$105.48 | -3.36% |
Missouri | $359.35 | $81.94 | 1.90% |
Montana | $325.63 | $57.23 | 1.46% |
North Dakota | $257.71 | -$89.45 | -2.89% |
Nebraska | $333.11 | $59.47 | 1.49% |
New Jersey | $634.75 | $175.15 | 2.30% |
New Mexico | $359.63 | $70.99 | 1.65% |
Nevada | $466.30 | $61.16 | 1.09% |
Ohio | $285.25 | $59.44 | 1.74% |
Oklahoma | $345.20 | $0.01 | 0.00% |
Oregon | $312.79 | $23.81 | 0.63% |
South Carolina | $390.99 | $75.89 | 1.62% |
South Dakota | $314.07 | -$17.79 | -0.47% |
Tennessee | $285.84 | -$19.24 | -0.56% |
Utah | $325.67 | $24.68 | 0.63% |
Washington | $246.83 | -$8.11 | -0.27% |
Wisconsin | $314.79 | $14.29 | 0.38% |
Wyoming | $255.78 | -$10.89 | -0.36% |
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.
Commute Length | Farmers Average Monthly Rates |
---|---|
10-mile, 500 miles monthly | $348.27 |
25-mile, 1,000 miles monthly | $350.76 |
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.
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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.
State | Allstate Average Monthly Rates | American Family Average Monthly Rates | Farmers Average Monthly Rates | Geico Average Monthly Rates | Liberty Mutual Average Monthly Rates | Nationwide Average Monthly Rates | Progressive Average Monthly Rates | State Farm Average Monthly Rates | Travelers Average Monthly Rates |
---|---|---|---|---|---|---|---|---|---|
Alaska | 262.11 | 346.09 | - | 240.00 | 441.30 | - | 255.24 | 185.68 | - |
Alabama | 275.96 | - | 348.82 | 238.88 | 333.79 | 221.89 | 370.88 | 399.85 | 308.15 |
Arkansas | 429.17 | - | 354.82 | 290.39 | - | 321.82 | 442.67 | 232.42 | 497.78 |
Arizona | 408.68 | - | 416.67 | 188.73 | - | 291.34 | 298.13 | 396.35 | 257.06 |
California | 377.75 | - | 416.57 | 240.47 | 252.87 | 387.77 | 237.47 | 350.19 | 279.13 |
Colorado | 461.43 | 311.09 | 440.85 | 257.64 | 233.15 | 311.62 | 352.66 | 272.56 | - |
Connecticut | 485.97 | - | - | 256.14 | 606.91 | 306.03 | 410.03 | 248.02 | 500.36 |
District of Columbia | 539.08 | - | - | 307.73 | - | 404.08 | 414.19 | 339.50 | - |
Delaware | 526.34 | - | - | 310.61 | 1530.00 | 360.85 | 348.49 | 372.24 | 348.53 |
Florida | 620.04 | - | - | 315.30 | 447.35 | 361.63 | 465.28 | 283.14 | - |
Georgia | 350.89 | - | - | 248.10 | 837.79 | 540.41 | 374.94 | 282.07 | - |
Hawaii | 181.12 | - | 396.99 | 279.91 | 265.80 | 212.65 | 181.49 | 86.69 | - |
Iowa | 247.16 | 251.82 | 202.98 | 191.35 | 367.94 | 227.95 | 199.63 | 185.38 | 452.45 |
Idaho | 340.73 | 310.73 | 264.02 | 230.89 | 191.79 | 252.68 | - | 155.66 | 268.86 |
Illinois | 433.70 | 317.94 | 383.77 | 231.60 | 189.80 | 225.98 | 294.72 | 195.41 | 208.31 |
Indiana | 331.57 | 306.64 | 286.46 | 188.42 | 481.78 | - | 324.83 | 200.75 | 282.81 |
Kansas | 334.19 | 178.87 | 308.65 | 268.39 | 398.70 | 206.30 | 345.37 | 226.67 | 361.79 |
Kentucky | 595.33 | - | - | 386.13 | 494.25 | 458.60 | 462.30 | 279.53 | 545.97 |
Louisiana | 499.90 | - | - | 512.88 | - | - | 622.59 | 381.59 | - |
Maine | 306.30 | - | 230.85 | 235.25 | 360.95 | - | 303.63 | 183.22 | 187.75 |
Maryland | 436.10 | - | - | 319.39 | 774.80 | 242.97 | 341.24 | 330.07 | - |
Massachusetts | 225.71 | - | - | 125.85 | 361.61 | - | 319.59 | 113.49 | 294.83 |
Michigan | 1908.55 | - | 708.63 | 535.84 | 1666.67 | 527.28 | 447.05 | 1047.13 | 731.16 |
Minnesota | 377.67 | 293.44 | 261.45 | 291.55 | 1130.30 | 243.87 | - | 172.25 | - |
Missouri | 341.35 | 273.91 | 359.35 | 240.44 | 376.56 | 188.78 | 284.93 | 224.41 | - |
Mississippi | 411.84 | - | - | 340.60 | 371.33 | 229.71 | 359.07 | 248.37 | 310.78 |
Montana | 389.34 | - | 325.63 | 300.20 | 110.51 | 289.86 | 360.90 | 201.48 | - |
North Carolina | 599.20 | - | - | 244.72 | 181.89 | 237.34 | 198.55 | 256.55 | 261.06 |
North Dakota | 389.11 | 317.70 | 257.71 | 222.35 | 1071.07 | 213.36 | 301.92 | 213.38 | - |
Nebraska | 266.57 | 184.59 | 333.11 | 319.79 | 520.13 | 217.00 | 313.17 | 203.23 | - |
New Hampshire | 227.08 | - | - | 134.59 | 703.70 | 207.59 | 224.54 | 182.12 | - |
New Jersey | 476.13 | - | 634.75 | 229.58 | 563.89 | - | 331.06 | 627.26 | 354.54 |
New Mexico | 350.05 | - | 359.63 | 371.53 | - | 292.87 | 259.93 | 195.06 | - |
Nevada | 447.64 | 453.43 | 466.30 | 305.17 | 516.80 | 289.76 | 338.55 | 483.03 | 446.70 |
New York | 395.08 | - | - | 202.35 | 545.06 | 334.41 | 314.26 | 373.72 | 381.57 |
Ohio | 266.44 | 126.26 | 285.25 | 155.60 | 369.15 | 275.07 | 286.41 | 208.99 | 261.26 |
Oklahoma | 309.89 | - | 345.20 | 286.45 | 572.89 | - | 402.70 | 234.73 | - |
Oregon | 397.16 | 293.94 | 312.79 | 268.34 | 361.21 | 264.74 | 302.43 | 227.62 | 241.02 |
Pennsylvania | 332.01 | - | - | 217.10 | 504.60 | 233.36 | 370.92 | 228.69 | 653.54 |
Rhode Island | 413.29 | - | - | 466.89 | 515.34 | 367.47 | 435.92 | 200.54 | 575.79 |
South Carolina | 325.29 | - | 390.99 | 264.83 | - | 302.12 | 381.09 | 255.95 | - |
South Dakota | 393.64 | 337.29 | 314.07 | 245.02 | 626.33 | 228.14 | 312.73 | 192.19 | - |
Tennessee | 402.40 | - | 285.84 | 273.62 | 517.22 | 285.41 | 304.74 | 219.94 | 228.21 |
Texas | 457.12 | 404.06 | - | 271.94 | - | 322.30 | 388.72 | 240.00 | - |
Utah | 297.20 | 308.23 | 325.67 | 247.13 | 360.65 | 248.88 | 319.18 | 387.15 | - |
Virginia | 282.23 | - | - | 171.79 | - | 172.75 | 208.22 | 189.08 | - |
Vermont | 265.87 | - | - | 182.98 | 301.76 | 177.35 | 434.76 | 365.24 | - |
Washington | 295.04 | 309.42 | 246.83 | 214.05 | 332.89 | 177.49 | 267.46 | 208.32 | - |
West Virginia | 318.39 | - | - | 176.73 | 243.70 | - | - | 177.19 | - |
Wisconsin | 404.53 | 126.11 | 314.79 | 327.18 | 563.24 | 435.42 | 260.74 | 198.96 | - |
Wyoming | 364.49 | - | 255.78 | 291.38 | 165.78 | 265.60 | 366.76 | 191.96 | - |
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.
Agency | Ratings |
---|---|
AM Best | A++ |
Better Business Bureau (San Antonio Headquarters) | B- |
Moody's | Aaa |
S&P | AA+ |
NAIC Complaint Index (2017) | 0.75 (below the national average of 1.0) |
JD Power | 5 out of 5 stars for overall claims satisfaction |
Consumer Reports | 95 out of 100 |
Consumer Affairs | 1 1/2 out of 5 stars based on 266 ratings |
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.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.