is a privately owned website that publishes unbiased rates and carrier information for consumer benefit. Learn More

USAA vs State Farm
Car Insurance

Which Company is Best for You?

USAA and State Farm are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. USAA and State Farm were both founded in 1922. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.

USAA Car Insurance State Farm Car Insurance

Compare quotes from other top companies!

We compare over 200 companies, side-by-side, fast, free, simple.
Compare Quotes
Compare Car Insurance Quotes Instantly
USAA Car Insurance State Farm Car Insurance

Compare quotes from other top companies

Discount Comparison USAAvs. State Farm
Discount Comparison USAAvs. State 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
New Vehicle
Annual Mileage
Ratings Comparison USAAvs. State Farm
Financial Strength Superior Superior
JD Power Rankings

5 out of 5

4 out of 5

User Satisfaction
Other Features USAAvs. State Farm

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 Fram offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.
Compare More
States Offered

The financial strength rating, categorized from Poor to Superior, is an independent assessment of a company's financial strength and a company’s ability to meet their ongoing insurance obligations when it comes to things like paying claims.

The J.D. Power rating, scored from 2 to 5, is an independent measure of customer satisfaction around the handling of claims. A higher J.D. Power Rating is a good indicator that a carrier will treat you well should something go wrong.

The User Satisfaction rating, graded from F to A+, is the Better Business Bureau’s assessment of how well the business is likely to interact with its customers, and is based on multiple factors including customer complaints and transparent business practices.