State Farm vs. USAA Car Insurance: Expert Recommended (2023)
When it comes to State Farm vs. USAA, USAA car insurance is cheaper across the board. However, USAA insurance is only available for the military, veterans, and their families. Both companies received a superior rating for financial stability, and USAA insurance ranks higher for customer satisfaction. Take advantage of discounts offered to see if State Farm vs USAA car insurance is cheaper for you.
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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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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.
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
- When it comes to State Farm vs. USAA, State Farm car insurance is more expensive
- USAA insurance is only offered to military families and veterans
- USAA has better financial and customer satisfaction ratings than State Farm
Our State Farm vs. USAA car insurance guide explains everything you need to know about how to compare car insurance rates, coverage options, discounts, and third-party ratings.
Bundling your policies with the same company can add up to more savings.
To find the best option, we’ll compare the pros and cons of State Farm vs. USAA based on pricing, discounts, and ratings.
If you want to compare other companies beyond State Farm vs. USAA car insurance, just enter your ZIP code above to see quotes from car insurance providers in your area.
Is State Farm car insurance or USAA car insurance cheaper?
Just what factors are used to determine your car insurance rates may surprise you.
Companies consider your age, gender, marital status, driving record, and credit history when determining your insurance premium. This is why rates are different for every driver.
Let’s start by comparing affordable State Farm vs. USAA car insurance rates by age, gender, and marital status.
You may already know that young driver car insurance is costly, but you might be surprised to discover just how much age affects your car insurance rates.
| Age, Gender, and Marital Status | State Farm Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $4,875.91 | $4,695.06 |
| Single 17-year-old male | $6,130.77 | $5,225.88 |
| Single 25-year-old female | $1,979.45 | $1,913.08 |
| Single 25-year old male | $2,176.45 | $2,119.73 |
| Married 35-year-old female | $1,734.93 | $1,484.88 |
| Married 35-year-old male | $1,734.93 | $1,482.91 |
| Married 60-year-old female | $1,558.06 | $1,395.84 |
| Married 60-year-old male | $1,558.06 | $1,400.76 |
In a comparison of State Farm vs. USAA car insurance rates, you can see that State Farm is more expensive than USAA, no matter the age, gender, or marital status of the driver.
Your driving record is one of the most important factors that car insurance companies look at. Accidents, speeding tickets, and DUIs will cause your rates to skyrocket.
| Driving Record | State Farm Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Clean record | $2,821.18 | $1,933.68 |
| With 1 accident | $3,396.01 | $2,516.24 |
| With 1 DUI | $3,636.80 | $3,506.03 |
| With 1 speeding violation | $3,186.01 | $2,193.25 |
USAA has the cheaper rates regardless of your driving record, though you might notice that USAA also has larger rate increases for infractions than State Farm.
When determining your car insurance rates, your credit score may also be taken into account.
Car insurance companies believe that if you have a better credit score, you’re more likely to pay for your own losses rather than filing a claim.
| Credit History | State Farm Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Good | $2,174.26 | $1,821.20 |
| Fair | $2,853.00 | $2,219.83 |
| Poor | $4,951.20 | $3,690.73 |
Yet again, USAA is the cheaper choice.
Car insurance companies can no longer use your credit score to calculate your rates in some states, such as California, so make sure to check your local insurance laws before making any kind of judgment based on these rates alone.
If you want a concentrated view of both companies, check out our State Farm insurance reviews and USAA insurance reviews for more details.
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Does State Farm or USAA have better car insurance discounts?
Car insurance discounts are one of the most effective ways to greatly reduce your rates. Many discounts, such as good student and multi-car discounts, are available from most auto insurance companies.
The table below shows you the discounts offered by State Farm and USAA. The amount of the discount is listed if it is known. Look through this list to see which company can provide you with the most savings.
| Car Insurance Discounts | State Farm (%) | USAA (%) |
|---|---|---|
| Anti-lock Brakes | 5 | x |
| Anti-Theft | 15 | x |
| Claim Free | 15 | 12 |
| Daytime Running Lights | N/A | x |
| Defensive Driver | 5 | 3 |
| Distant Student | x | x |
| Driver's Ed | 15 | 3 |
| Driving Device/App | 50 | 5 |
| Early Signing | N/A | 12 |
| Family Legacy | N/A | 10 |
| Garaging/Storing | N/A | 90 |
| Good Credit | x | N/A |
| Good Student | 25 | 3 |
| Homeowner | 3 | N/A |
| Low Mileage | 30 | x |
| Loyalty | N/A | x |
| Married | x | x |
| Military | x | x |
| Military Garaging | N/A | 15 |
| Multiple Policies | 17 | x |
| Multiple Vehicles | 20 | x |
| Newer Vehicle | 40 | 12 |
| Occasional Operator | N/A | x |
| Paperless/Auto Billing | $2 | 3 |
| Passive Restraint | 40 | x |
| Safe Driver | 15 | 12 |
| Senior Driver | N/A | x |
| Vehicle Recovery | 5 | x |
| VIN Etching | N/A | x |
| Young Driver | N/A | $75 |
The two companies offer many of the same discounts, but there are some differences. For example, State Farm offers a homeowners discount and USAA doesn’t. However, USAA offers a family legacy discount and State Farm does not.
Also, it wouldn’t hurt to ask about bundling discounts. Be sure to compare USAA vs. State Farm homeowners insurance before bundling. Many ask, “Why is USAA homeowners insurance so expensive?” USAA may not offer a bundling discount.
When you compare State Farm vs. USAA car insurance quotes, make sure you ask about any available discounts.
How do State Farm and USAA compare in financial strength and customer satisfaction?
A.M. Best ranks the financial stability of insurance companies. State Farm received an A+ rating, and USAA insurance scored an A++ from A.M. Best. This means both companies have a superior ability to meet their financial obligations.
State Farm is not rated by the Better Business Bureau, but USAA scored an A-.
J.D. Power rates businesses based on customer satisfaction, looking at criteria like price, billing, claims, and products offered. State Farm ranked about average in most areas, while USAA ranked above average.
With your State Farm or USAA login, you can access your account, pay bills, and get proof of insurance on the companies’ websites and mobile apps. You can also get a USAA or State Farm car insurance quote online.
Additional coverages, such as roadside assistance and homeowners insurance, are also available from State Farm and USAA.
If you need assistance or have concerns, you can contact each company 24 hours a day. The USAA customer service number is (800) 531-8722, and the State Farm number is (800) 782-8332.
Maybe you’re wondering, “Can I get USAA and State Farm insurance near me?” Yes, both companies are available in all 50 states.
Choosing between State Farm vs. USAA car insurance can be difficult. To see which is right for you, compare prices, discounts, and ratings like those listed above.
Before you buy State Farm vs. USAA car insurance, compare rates from other companies to see who has the best offer. Enter your ZIP code below to see quotes from multiple companies near you for free right now.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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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
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.