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Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a columnist for Lead Group and has written for numerous automotive news sites and advertising companies across the US. Daniel is the leading authority on auto insurance, loans, warranty options, auto services and more.
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Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a team editor with over 10 years of experience covering financial and insurance topics.
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Overall, when it comes to USAA vs. State Farm auto insurance, drivers can’t go wrong. Providers earned two top spots in our 2022 Business Insurance Review of the Best Auto Insurance Companies, earning high marks in every category.
The Guides team takes an in-depth look at each company’s reputation, pricing, coverage and customer service to see how USAA and National Farm compare. To help you decide, our team will break down the differences between the two providers.
USAA Insurance Reviews Country Farm Insurance Reviews Compare the best auto insurance policies from auto insurance companies.
The Guide Group is committed to providing reliable information to help you make the best decision about your car insurance. Because customers depend on us to provide objective and accurate information, we have developed a comprehensive rating system to compile our ranking of car insurance companies. We collected data from many car insurance providers to rate the companies on a wide range of factors on the list. After 800 hours of research, the final result was the overall rating for each provider, with insurance companies scoring the highest in the list.
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When comparing USAA vs. At State Farm, we’ve found that both providers have a lot to offer policyholders. In most cases, USAA offers a lower average price than State Farm. However, USAA car insurance is only available to military members, veterans and their families, which means the low rates are not available to everyone. State Farm, on the other hand, is open to anyone in every state except Massachusetts and Rhode Island and claims an extensive network of insurance offices and local agents.
Our team uses a standardized method to rate suppliers based on over 70 factors. You can compare the scores for USAA vs. State Farm in the table below.
USAA stands for United Services Automobile Association. Provider offers insurance products and other services specifically to active, reserve and retired military and family members.
As an insurance provider, USAA consistently scores near the top in insurance studies like this one from J.D. Force. Insurance companies also tend to offer the lowest rates for a variety of driver profiles.
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State Farm is the largest insurance provider in the country, holding 15.93% of the total auto insurance market in 2021, according to data from the National Association of Insurance Commissioners (NAIC). The company has written over $41.6 billion in premiums through 2021.
As a supplier, State Farm offers affordable rates to many drivers across the country and a strong selection of discounts. The company proudly claims to have more than 19,000 local insurance agents across the country, meaning people in many areas have access to in-house service.
USAA and State Farm offer the same quality coverage options you’ll find anywhere, including liability, property and medical coverage.
Both providers offer similar options for additional coverage options. But USAA offers some things that State Farm might not.
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For example, USAA offers car repossession assistance, which pays an additional 20% of your car’s cash value for a total loss. USAA also offers guaranteed asset coverage, also called gap insurance. State Farm does not offer any of these options. Although USAA offers glass protection as an add-on, State Farm includes glass requirements in its comprehensive policies.
*Note: All full coverage insurance estimates are based on a standard profile for a 35-year-old driver with a clean driving record and good credit history unless otherwise stated.
When it comes to the cost of coverage, USAA tends to offer a lower cost of car insurance than State Farm in most cases – but not all. Drivers who have been convicted of driving under the influence (DUI) or a recent speeding ticket may be eligible for lower rates through State Farm.
As you can see in the table above, car insurance prices can vary widely depending on a few factors. The following factors tend to have the most significant impact on the cost of your car insurance:
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Both USAA and State Farm offer a good selection of auto insurance discounts. Both providers offer regular discounts like one for combining homeowners insurance, life insurance, renters insurance or other insurance products with auto coverage.
USAA offers some special discounts for military personnel that State Farm does not, while State Farm offers some discounts related to driver safety that USAA does not.
Car insurance discounts can sometimes vary by location. Ask your insurance agent about any discount options available to you before signing up for your policy.
Both USAA and State Farm have usage-based insurance (UBI) programs that offer discounts to safe drivers. UBI systems collect vehicle telematics data from your mobile phone or other technology to monitor driving habits such as speed, acceleration and hard braking. Safe driving habits can give users a discount on their insurance.
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SafePilot from USAA is available in all states except California, Delaware, Indiana, Massachusetts, New Jersey, New York, North Carolina, Vermont and Wisconsin.
Drive Safe & Save on State Farm is more accessible than SafePilot. Drivers in all states except California, Massachusetts and Rhode Island can participate in the program. Availability may be limited to North Carolina drivers.
In our 2022 insurance review, both providers received high customer satisfaction scores. These scores were based on a combination of industry ratings and customer reviews.
In J.D. The Power Insurance Buying Survey scored both USAA and State Farm above the industry average. In the 2022 study, USAA scored 875 points out of a possible 1,000 points, while State Farm scored 885 points. Both policies went well for J.D. Power 2022 U.S. Auto Claims Satisfaction Survey℠ as well, with USAA scoring a high 909 and State Farm placing above average with 892 points.
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According to 2021 NAIC data, USAA has a complaint index of 1.06 for private passenger insurance. That’s slightly higher than the national average for policyholders of its size, which is typically 1.0. State Farm, on the other hand, has a complaint index of 0.67, meaning it received fewer complaints than the national average.
USAA and State Farm both have objectively low consumer ratings on the BBB website. However, this is to be expected, as consumers typically only go to the BBB when they want to report a problem or complaint. Two supplier points are common in the industry.
In the table below, you’ll find customer ratings for USAA and State Farm both as companies and for their mobile apps, which play an important role in the customer experience in auto insurance.
When comparing USAA vs. At State Farm, our team has found both to be excellent providers. Drivers can find the most affordable rates and the highest customer service of any other.
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Apart from a very special coverage, the main difference between the two providers is access. USAA insurance is only available to members of the military and their families, which means many people will not be able to get coverage from the company.
We highly recommend both USAA and State Farm. But while they both tend to offer low rates, they may not offer you the cheapest car insurance.
It is best to get insurance quotes from multiple providers so you can compare car insurance options. The following providers made our 2022 list of the best car insurance companies.
For drivers who want as many options as possible when building auto insurance, Travelers is a great place to start. In our insurance review, our team found that the provider offers one of the largest sets of options in the country. Most drivers should be able to get the coverage they need and the passengers.
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Affordability is a common concern for many auto insurance buyers, and Geico is often among the smallest options in driver profiles. With a wide selection of discounts to help lower these payments and more, it’s a good idea to get a quote from Geico when shopping for auto insurance.
In general, State Farm is good at paying claims. The company received 892 out of a possible 1,000 points from J.D. Power Auto Claims Satisfaction Study, ranked sixth among suppliers in the study.
USAA is more expensive than State Farm for a few specific things