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Choosing an auto insurance company can be tricky: rates can fluctuate based on your driving record, age, and location, and every company's discounts differ. USAA and State Farm are two of the most popular insurance companies, selling high-quality insurance policies in most states across the US.
To help take the sting out of shopping for car insurance, we have collected typical costs from State Farm and USAA. The below cover a variety of pricing components, including credit rating, driving history, and age. Compare rates and find the right policy for you.
If you have extremely bad credit, USAA could be the best option for you. Typically, USAA offers more affordable rates than State Farm for drivers with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should lean toward USAA, which typically beats State Farm by $420 annually. Check out common insurance rates by credit tier for State Farm and USAA below.
|Credit level||USAA avg. annual premium||State Farm avg. annual premium|
|Very Poor (300-579)||$2,682||$3,522|
|Very Good (740-799)||$910||$1,451|
If you've got an at-fault crash, speeding ticket, reckless driving violation, or DUI offense on your driving record, USAA could be a better choice than State Farm. Each car insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to find out which insurance company suits you.
|Infraction||USAA avg. annual premium||State Farm avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$2,849|
|At-fault accident (damage > $1,000)||$947||$1,524|
Insurance companies rely on a driver's age as an estimator of risk, pricing policies accordingly. A car insurance policy is commonly priciest for teen drivers — thanks to their inexperience — and relatively affordable for older drivers. Because every insurance company prices ages in a different way, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose USAA before State Farm: USAA offers average yearly savings of $2,956 versusState Farm.
|Age tier||USAA avg. annual premium||State Farm avg. annual premium|
Aside from affordability, there are myriad pros and cons of both USAA and State Farm, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Discount Comparison||USAA||State Farm|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||State Farm|
|JD Power Rankings|
|Other Products||USAA||State Farm|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||State Farm|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.|
|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.||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.|
|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.||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.|
|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 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
|My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?|
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.See More Questions
|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. Farmers 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. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||State Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. North Star Mutual State Farm vs. Progressive State Farm vs. Root Insurance State Farm vs. Safe Auto State Farm vs. Safeco State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm 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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