State Farm vs. USAA
Which car insurance do consumers say is best?
State Farm is the largest car insurance company in the country, while USAA, a member-only insurer for active and former military members and their families, ranks as the fifth-largest car insurance company. Combined these two companies account for nearly 25 percent of the entire car insurance market.
If you’re eligible for USAA, chances are State Farm and USAA are two of the companies you’re considering buying your car insurance from. But which of these companies do other consumers recommend when they’ve had experiences with them?
Based on thousands of ratings and reviews submitted by members of the Clearsurance community, we’ve put together a comparison of USAA and State Farm. In addition to the side-by-side consumer ratings of both companies, you can read more about each insurer’s offerings and see what discounts and features they have.
Should you need to look at a broad scope of insurance products and companies, we have a free comparison tool that will let you compare quotes from different companies. When you're looking for an auto insurance policy, no matter the reason, you want to be aware of what options you have. The insurance industry is vast, so finding comparisons shouldn't be too difficult.
State Farm vs. USAA car insurance rates
Which car insurance company offers cheaper car insurance rates, State Farm or USAA? While the rates the companies offer will vary by person and location, we've gathered average national rates to provide a comparison of State Farm and USAA.
In the table below, compare the average national car insurance rates for State Farm and USAA for three different driver profiles for male and female. Keep in mind these are only national averages for a certain profile. Your car insurance rates will differ from these depending on where you live, your unique driver profile and your coverages, among other things.
|State Farm average rates
|USAA average rates
|State Farm average rates
|USAA average rates
To determine the average national rates for male and female drivers for State Farm and USAA, we created three driver profiles for both males and females and got rates for drivers for each profile. The profiles for male and female drivers were an 18-year-old teen with state minimum coverages and fair credit; a 35-year-old single adult with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and one driving violation in the last three years; and a 65-year-old driver with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and no driving violations in the last three years. Additionally, we averaged the rates in each state we had data for that company. Rate data is provided by Quadrant Information Services.
State Farm Overview
State Farm is well-known for its vast network of agents that work solely for the company. So despite being the largest car insurance company in the country, State Farm still prides itself on a local feel by employing more than 18,000 agents nationwide.
Among the additional programs State Farm offers is its Drive Safe and Save discount. By allowing State Farm to track your driving through your mobile device or your vehicle’s OnStar system, you could qualify for a discount of up to 50 percent, according to State Farm. To learn more about car tracking device programs, including State Farm’s Drive Safe and Save, check out our blog post about car tracking devices.
State Farm also caters to drivers who drive for companies like Uber or Lyft. Offering a rideshare coverage program, State Farm says that it typically costs about 15 to 20 percent more than your normal personal State Farm premium.
State Farm also offers ways for younger drivers to earn savings. In addition to a good student discount, State Farm also has an initiative called the Steer Clear Driver Program. If you’re under the age of 25 and have been accident and violation free for at least the past three years, you can complete the Steer Clear program to earn a discount. You can learn more about the program by visiting State Farm’s website.
Among the ways that USAA tries to help good drivers who are loyal to USAA save money is its accident forgiveness policy. If you go five straight years with USAA accident free then your premium won’t increase after one at-fault accident. And in select states, you may purchase this additional feature.
Similar to State Farm, USAA offers rideshare insurance to help cover the gaps between your personal insurance policy and the coverage provided by the transportation network company you’re driving for. USAA advertises you can obtain this additional coverage for as little as $6 more per month.
Many USAA policyholders praise the company for its excellent customer service, and you can learn more about how USAA stacks up against State Farm by comparing the consumer ratings of the two companies in the table below.
The average driver is going to shop around for rates in order to find the best deal. So don't forget about our comparison tool, which will help you to compare quotes from various auto insurance companies. Don't stop at one or two companies, either. For a proper customer experience, take multiple companies into consideration. Check out their financial strength as well as their customer reviews, and what insurance costs they offer. That way you can be sure you're getting the best in terms of auto insurance coverage.
What discounts do State Farm and USAA offer?
Talk with an agent or visit the company’s website for a comprehensive list of all discounts you may qualify for.