Deciding on an auto insurer can be hard: companies' rates may vary based on your location, age, and driving history, and companies offer an array of discounts. USAA and Farmers are two of the most popular insurance companies, offering high-quality policies in most states.
In an effort to simplify the process of comparing insurance companies, we've gathered typical insurance premiums from Farmers and USAA. These take into consideration a variety of rating factors, including credit score, driving history, and age. Examine these rates and find the right policy for you.
Find out more: Read our full reviews of USAA and Farmers.
If you have very poor credit, Farmers could be a better option for you. Typically, Farmers offers more affordable rates than USAA for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or higher — should lean toward USAA, which typically beats Farmers by $514 annually. Check out typical insurance rates by credit score for Farmers and USAA below.
| Credit level | USAA avg. annual premium | Farmers avg. annual premium |
| Very Poor (300-579) | $2,682 | $2,633 |
| Fair (580-669) | $1,247 | $1,736 |
| Good (670-739) | $1,057 | $1,882 |
| Very Good (740-799) | $910 | $1,459 |
| Exceptional (800-850) | $840 | $1,354 |
If you've got an at-fault accident, speeding ticket, reckless driving violation, or DUI in your recent history, USAA could be a better choice than Farmers. Each auto insurance company enacts rate penalties differently, so it's worth comparing quotes to figure out which insurance company suits you.
| Violation | USAA avg. annual premium | Farmers avg. annual premium |
| At-fault accident (damage < $1,000) | $1,304 | $2,334 |
| At-fault accident (damage > $1,000) | $947 | $1,699 |
| DUI/DWI | $1,952 | $3,239 |
| Reckless driving | $1,472 | $4,636 |
| Speeding ticket | $1,124 | $2,045 |
Car insurance companies rely on a driver's age as an indicator of potential risk, pricing premiums accordingly. A car insurance policy is commonly expensive for teens — thanks to their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company rates age brackets differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose USAA over Farmers: USAA offers average yearly savings of $3,654, compared to Farmers.
| Age | USAA avg. annual premium | Farmers avg. annual premium |
| Teens | $2,864 | $6,518 |
| 20s | $1,261 | $2,020 |
| 30s | $963 | $2,020 |
| 40s | $957 | $1,511 |
| 50s | $889 | $1,507 |
| 60s | $845 | $1,402 |
Setting aside cost, USAA and Farmers each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | USAA | Farmers |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | USAA | Farmers |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | ||
| User Satisfaction | A++ | A+ |
| Other Products | USAA | Farmers |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | Farmers |
|---|---|---|
| About | USAA is known for their award-winning service, distinguished products and making their customers' needs a priority. | Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service. |
| Roadside Assistance | 24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence. | Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts. |
| Additional Discounts | USAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance. | Farmers offers an additional discount for seniors. |
| Recent Questions | Our son-in-law is a USAA member (Navy). Can we join also? Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e. Can my brother use his insurance for damage he caused to my vehicle?Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle. Agree to be paid out of pocket with driver with no licenseTo sum, having her pay out of pocket might be your best option. Let me explain. Can I get USAA insurance from son in lawAlthough I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law. See More Questions | Are some insurance providers better suited to my needs than others to get the best rate? Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle. Does Farmers allow exclusions?While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form. Will my farmers insurance cover my towing off the the NJ turnpikeAlthough I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy. Will insurance cover someone other than the insured?While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary. See More Questions |
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