Picking an auto insurance company can be tricky: rates can vary by driving record, age, and location, and every company provides a different set of discounts. USAA and Farmers are two of the nation's most popular car insurance companies, providing affordable policies across most of America.
In an effort to make insurance shopping seamless, we pulled average costs from Farmers and USAA. These cover an array of rating factors, including credit history, driving record, and age. Examine these figures and find the right policy for you.
If you have very bad credit, Farmers could be the way to go. On average, Farmers offers lower prices than USAA for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800-plus — should lean toward USAA, which typically beats Farmers by $514 per year. Check out common insurance rates by credit level for Farmers and USAA below.
|Credit score||USAA avg. annual premium||Farmers avg. annual premium|
|Very Poor (300-579)||$2,682||$2,633|
|Very Good (740-799)||$910||$1,459|
If you're dealing with an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving record, USAA could be a better choice than Farmers. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer 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|
Insurers rely on a driver's age to outline potential risk, pricing premiums accordingly. A car insurance policy is typically most expensive for teens — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every auto insurance company rates age tiers in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose USAA over Farmers: USAA offers average yearly savings of $3,654 versusFarmers.
|Age||USAA avg. annual premium||Farmers avg. annual premium|
Affordability aside, USAA and Farmers each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||5 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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||Can my brother use his insurance for damage he caused to my vehicle?|
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|Are some insurance providers better suited to my needs than others to get the best rate?|
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|Compare More||USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||Farmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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