USAA vs Farmers Car Insurance

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USAA or Farmers:
Which Company is Best for You?

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.

 

Comparing car insurance rates: USAA vs. Farmers

 

USAA vs. Farmers: by credit level

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.

 

RATES BY CREDIT LEVEL: Farmers VS. USAA
Credit scoreUSAA avg. annual premiumFarmers 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

 

USAA vs. Farmers: rates for drivers with bad records

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.

 

HIGH-RISK INSURANCE RATE COMPARISON: Farmers VS. USAA
ViolationUSAA avg. annual premiumFarmers 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

 

USAA vs. Farmers: rates by age

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.

 

RATES BY AGE: Farmers VS. USAA
AgeUSAA avg. annual premiumFarmers 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

 

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.

Discount ComparisonUSAAFarmers
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 ComparisonUSAAFarmers
Financial Strength SuperiorExcellent
JD Power Rankings
5 out of 5
3 out of 5
User Satisfaction

A++

A+

Other ProductsUSAAFarmers
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAFarmers
AboutUSAA 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 Assistance24-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 DiscountsUSAA 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 QuestionsCan my brother use his insurance for damage he caused to my vehicle?

I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...

Agree to be paid out of pocket with driver with no license

My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...

Can I get USAA insurance from son in law

My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...

Does USAA membership extend to grandchildren

My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...

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Are some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
Compare MoreUSAA 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. SafeAuto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersFarmers 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. SafeAuto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

USAA vs Farmers

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