USAA vs Farmers Car Insurance

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USAA or Farmers:
Which Company is Best for You?

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.


Compare USAA vs. Farmers auto insurance rates


USAA vs. Farmers: by credit level

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.


RATES BY CREDIT SCORE: Farmers VS. USAA
Credit levelUSAA 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: high-risk driver rates

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.


RATES BY CITATION: 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

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.


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

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 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
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
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 QuestionsOur 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 license
To sum, having her pay out of pocket might be your best option. Let me explain.
Can I get USAA insurance from son in law
Although 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 turnpike
Although 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
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 Insurance USAA vs. Safe Auto USAA vs. Safeco 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. Safe Auto Farmers vs. Safeco 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
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USAA vs Farmers

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