USAA vs State Farm Car Insurance

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USAA or State Farm:
Which Company is Best for You?

Picking a car insurance company is sometimes difficult: companies' rates vary based on your driving record, age, and location, and companies offer an array of perks. USAA and State Farm are two of America's most popular car insurance companies, providing competitively priced coverage across most of America.

To help simplify the comparison process, we've collected typical rates from State Farm and USAA. These rates cover a variety of pricing factors, including credit quality, driving infractions, and age. Examine these rates and find the perfect policy for you.

Seeking more information? Check out our comprehensive reviews of USAA and State Farm.


USAA vs. State Farm: premium comparison


USAA vs. State Farm: pricing by credit score

If you have very poor credit, USAA could be a better option for you. On average, USAA offers better rates than State Farm for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should lean toward USAA, which typically beats State Farm by $420 per year. Check out typical insurance costs by credit score for State Farm and USAA below.


RATES BY CREDIT SCORE: State Farm VS. USAA
Credit levelUSAA avg. annual premiumState Farm avg. annual premium
Very Poor (300-579)$2,682$3,522
Fair (580-669)$1,247$2,003
Good (670-739)$1,057$1,613
Very Good (740-799)$910$1,451
Exceptional (800-850)$840$1,260

USAA vs. State Farm: high-risk insurance rates

If you are carrying an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving record, USAA could be a better choice than State Farm. Every insurer will handle driving offenses differently, so don't hesitate to shop around to understand which insurer is best for you.


RATES BY VIOLATION: State Farm VS. USAA
ViolationUSAA avg. annual premiumState Farm avg. annual premium
At-fault accident (damage < $1,000)$1,304$2,849
At-fault accident (damage > $1,000)$947$1,524
DUI/DWI$1,952$3,854
Reckless driving$1,472$2,895
Speeding ticket$1,124$1,983

USAA vs. State Farm: rates by age bracket

Car insurance companies use a driver's age as an estimator of risk, pricing premiums on a sliding scale. Auto insurance is typically priciest for beginning and young drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company evaluates age brackets differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose USAA over State Farm: USAA offers average yearly savings of $2,956, compared to State Farm.


AGE BRACKET INSURANCE RATE COMPARISON: State Farm VS. USAA
Age tierUSAA avg. annual premiumState Farm avg. annual premium
Teens$2,864$5,820
20s$1,261$2,379
30s$963$2,379
40s$957$1,587
50s$889$1,558
60s$845$1,485

Affordability aside, USAA and State Farm each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonUSAAState Farm
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 ComparisonUSAAState Farm
Financial Strength SuperiorSuperior
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 ProductsUSAAState Farm
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAState Farm
AboutUSAA 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 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.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 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.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 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
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
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USAA vs State Farm

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