USAA vs. State Farm: Compare Car Insurance Rates and Coverage

USAA vs. State Farm

Currently insured?
It's free, simple and secure.

State Farm and USAA are two of the most recognizable car insurance companies in the nation, ranking as first and fifth largest auto insurers by market share, respectively. With so many insurance options out there, we've made it easy to compare and contrast these two providers with our one-on-one analysis.

Below, we compare USAA and State Farm for affordability, customer experience and coverages and discounts. Shoppers should note, however, that USAA is only available to current and former military members and their families, so you'll only be able to buy a policy from USAA if you qualify.

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","link":"#cheapest","linkText":"Cheapest car insurance rates"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","link":"#reviews","linkText":"Overall customer satisfaction"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","link":"#cheapest","linkText":"Cheapest car insurance rates"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","link":"#reviews","linkText":"Overall customer satisfaction"}
Best for
USAA
State Farm
Price
Overall customer satisfaction
Coverages and discounts
USAA reviewState Farm review
{"alignsHorizontal":["left","center","center"],"alignsVertical":[],"columnWidths":[],"data":[["Best for","USAA","State Farm"],["Price","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E",""],["Overall customer satisfaction","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E",""],["Coverages and discounts","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA review\" href=\"https:\/\/www.valuepenguin.com\/usaa-insurance-review\"\u003EUSAA review\u003C\/a\u003E\u003C\/span\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm review\u003C\/a\u003E\u003C\/span\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

USAA vs. State Farm auto insurance: Which offers cheaper policies?

On average, USAA offers much cheaper car insurance policies than State Farm, especially for young drivers. In fact, USAA ranks as the cheapest major insurance company in the country, according to our research. So it's generally cheaper than almost every big insurance company, not just State Farm.

comparing rates of 3 driver profiles

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

Below, we broke down the average annual auto insurance premiums for USAA and State Farm for three sample drivers: a 30-year-old male with a safe driving history, a 30-year-old male with an accident on his record and an 18-year-old male. USAA was the cheapest insurer across all three profiles by an average of 25%.

We always recommend that those seeking the cheapest rates compare insurance prices from three companies (at least) using equivalent coverage levels.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EOn average, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA\" href=\"https:\/\/www.valuepenguin.com\/usaa-insurance-review\"\u003EUSAA\u003C\/a\u003E\u003C\/span\u003E offers much cheaper car insurance policies than \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E, especially for young drivers. In fact, USAA ranks as the cheapest major insurance company in the country, according to our research. So it's generally cheaper than almost every big insurance company, not just State Farm.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root ShortcodeImage--root-no-margin\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 1032.75px)\"\n data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-vs-state-farm-rates-m_q98vqi 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-vs-state-farm-rates-m_q98vqi 2x\"\n\/\u003E\n \u003Cimg alt=\"comparing rates of 3 driver profiles\" class=\"lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-vs-state-farm-rates_b2nf9r\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/usaa-vs-state-farm-rates_b2nf9r\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-vs-state-farm-rates_b2nf9r 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-vs-state-farm-rates_b2nf9r 2x\"\u003E\n \u003C\/picture\u003E\n \u003C\/figure\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardQuoteForm\" data-component-name=\"QuoteWizardQuoteForm\"\u003E\n \u003Cdiv class=\"QuoteWizardQuoteForm--root QuoteWizardQuoteForm--dropshadow\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind Cheap Auto Insurance Quotes in Your Area\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--150\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C30088\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_compare-usaa-vs-state-farm-car-insu\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"VPT1\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"Select\" class=\"InputDropdown--select\" name=\"\"\u003E\u003Coption selected=\"\" value=\"auto\"\u003EAutomotive\u003C\/option\u003E\u003Coption value=\"home\"\u003EHomeowners\u003C\/option\u003E\u003Coption value=\"life\"\u003ELife\u003C\/option\u003E\u003Coption value=\"motorcycle\"\u003EMotorcycle\u003C\/option\u003E\u003Coption value=\"renters\"\u003ERenters\u003C\/option\u003E\u003Coption value=\"health\"\u003EHealth\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--zip-code\"\u003E\u003Cdiv class=\"ZipCodeInput--root \"\u003E\u003Cdiv class=\"TextInput--root TextInput--required ZipCodeInput--input\"\u003E\u003Cdiv class=\"TextInput--field TextInput--none TextInput--field-container\"\u003E\u003Cspan class=\"TextInput--symbol\"\u003E\u003C\/span\u003E\u003Cinput type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently insured?\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-field\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"prior\" class=\"InputDropdown--select\" name=\"prior\"\u003E\u003Coption selected=\"\" value=\"1\"\u003EYes\u003C\/option\u003E\u003Coption value=\"0\"\u003ENo\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--submit\"\u003E\u003Cbutton aria-label=\"Find Insurers\" class=\"Button--root Button--primary \" type=\"submit\" value=\"Find Insurers\"\u003EFind Insurers\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"Find Insurers\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--150\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"dropshadow\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Your Area\",\"trackingKey\":\"_compare-usaa-vs-state-farm-car-insu\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EBelow, we broke down the average annual auto insurance premiums for USAA and State Farm for three sample drivers: a 30-year-old male with a safe driving history, a 30-year-old male with an accident on his record and an 18-year-old male. USAA was the cheapest insurer across all three profiles by an average of 25%.\u003C\/p\u003E\n\n\u003Cp\u003EWe always recommend that those seeking the cheapest rates \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"compare insurance prices\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\"\u003Ecompare insurance prices\u003C\/a\u003E\u003C\/span\u003E from three companies (at least) using equivalent coverage levels.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest for a 30-year-old male with a clean driving record: USAA

For a 30-year-old male driver with a spotless record, USAA is 25% cheaper than State Farm.

Insurer
Average annual rate
USAA$1,307
State Farm$1,737
{"alignsHorizontal":["left","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","Average annual rate"],["USAA","$1,307"],["State Farm","$1,737"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Safer drivers are generally rewarded with lower rates. And at an age of 30 years, our driver is old enough that he won't be quoted at some of the elevated premiums that drivers in their teens and early twenties are.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003ECheapest for a 30-year-old male with a clean driving record: USAA\u003C\/h3\u003E\n\n\u003Cp\u003EFor a 30-year-old male driver with a spotless record, USAA is 25% cheaper than State Farm.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAverage annual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,307\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,737\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Average annual rate\"],[\"USAA\",\"$1,307\"],[\"State Farm\",\"$1,737\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003ESafer drivers are generally rewarded with lower rates. And at an age of 30 years, our driver is old enough that he won't be quoted at some of the elevated premiums that drivers in their teens and early twenties are.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest for a 30-year-old male with an accident history: USAA

Drivers who have been at fault for an accident are generally charged a higher rate by insurers. USAA and State Farm are no exception, charging our sample driver 35% and 19% more per year, respectively.

Insurer
Annual rate before accident
Annual rate after accident
USAA$1,766$1,307
State Farm$2,075$1,737

Sample at-fault accident caused $2,000 in property damage

{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","Annual rate before accident","Annual rate after accident"],["USAA","$1,766","$1,307"],["State Farm","$2,075","$1,737"]],"footnote":"Sample at-fault accident caused $2,000 in property damage","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Although USAA is still cheaper for our sample driver on average, it raised rates by $459 per year, while State Farm raised rates by only $338. The different formulas insurers use to adjust prices are yet another reason to shop around among multiple reputable insurers.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003ECheapest for a 30-year-old male with an accident history: USAA\u003C\/h3\u003E\n\n\u003Cp\u003EDrivers who have been at fault for an accident are generally charged a higher rate by insurers. USAA and State Farm are no exception, charging our sample driver 35% and 19% more per year, respectively.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate before accident\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate after accident\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,766\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,307\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,075\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,737\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003ESample at-fault accident caused $2,000 in property damage\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual rate before accident\",\"Annual rate after accident\"],[\"USAA\",\"$1,766\",\"$1,307\"],[\"State Farm\",\"$2,075\",\"$1,737\"]],\"footnote\":\"Sample at-fault accident caused $2,000 in property damage\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAlthough USAA is still cheaper for our sample driver on average, it raised rates by $459 per year, while State Farm raised rates by only $338. The different formulas insurers use to adjust prices are yet another reason to shop around among multiple reputable insurers.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest for young drivers: USAA

Younger and less experienced drivers are considered to be higher risk policyholders by auto insurance companies. Although our sample 18-year-old driver will pay much more than his 30-year-old counterpart, he gets a clear discount going with USAA over State Farm. At $3,254 per year, a USAA policy costs 36% less than an equivalent policy with State Farm.

Insurer
Average annual rate
USAA$3,254
State Farm$5,119
{"alignsHorizontal":["left","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","Average annual rate"],["USAA","$3,254"],["State Farm","$5,119"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003ECheapest for young drivers: USAA\u003C\/h3\u003E\n\n\u003Cp\u003EYounger and less experienced drivers are considered to be higher risk policyholders by auto insurance companies. Although our sample 18-year-old driver will pay much more than his 30-year-old counterpart, he gets a clear discount going with USAA over State Farm. At $3,254 per year, a USAA policy costs 36% less than an equivalent policy with State Farm.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAverage annual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,254\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,119\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Average annual rate\"],[\"USAA\",\"$3,254\"],[\"State Farm\",\"$5,119\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

USAA vs. State Farm: Which has more satisfied customers?

According to a ValuePenguin survey of current insurance company customers, USAA customers rank among the most satisfied in the country and a tier above State Farm.

Company
% of customers extremely satisfied
% of customers who received excellent customer service
USAA68%62%
State Farm59%46%
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Company","% of customers extremely satisfied","% of customers who received excellent customer service"],["USAA","68%","62%"],["State Farm","59%","46%"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Whereas almost 70% of USAA policyholders are extremely satisfied, only 60% of State Farm customers are. Our survey also found:

  • 62% of USAA customers have never switched auto insurance providers, as opposed to 52% with State Farm.
  • 64% of USAA customers are extremely unlikely to switch auto providers in the next year, compared to 50% of State Farm customers.

Our research indicates that the strong customer service experience has bred consumer loyalty to USAA, so if customer service is your top priority, and you're deciding between State Farm and USAA, our survey suggests USAA is your best bet.

USAA vs. State Farm: Which offers standout coverages and discounts?

USAA and State Farm offer all of the standard coverages and discounts that most auto insurance companies do. Below, we've chosen to highlight some of the unique features of these insurers that may stand out to particular types of customers. Finally, we also list the availability of standard coverages and discounts with both USAA and State Farm so you know whether you'll find the features you expect with auto insurance.

USAA

  • two standout discounts catered to active military members: vehicle storage and military installation
  • accident forgiveness coverage — though not unique in the industry — distinguishes it from State Farm, which does not have accident forgiveness

State Farm

  • Drive Safe and Save discount, which utilizes your smartphone to reward you for safe driving habits
  • rideshare drivers may be interested in the company's rideshare insurance

USAA: Discounts for active military members and accident forgiveness coverage

We've chosen to highlight the vehicle storage and military installation discounts with USAA, as these discounts offer unique benefits for active service members.

In terms of features, we're highlighting USAA's accident forgiveness, which can help save drivers — who are loyal customers — keep rates low in the long-run.

Vehicle storage and military installation discounts

Only active or former military members are eligible for a USAA policy, and the insurer provides discounts catering to these customers.

The vehicle storage discount allows you to save up to 60% off your premium if your car is unused and stored in a secure location, meaning if you're deployed, you'll be able to maintain insurance coverage at a much cheaper rate.

And if you garage your vehicle on a military base, you can save up to 15% off the comprehensive insurance portion of your premium with the military installation discount.

Both of these discounts are quite unique in the insurance industry and allow USAA customers to get situation-specific savings on the provider's already cheap rates.

Accident forgiveness

If you have a USAA policy for at least five years and remain accident free during that time period, you will automatically qualify for accident forgiveness. This means that even if you get into an at-fault accident, that single accident can't result in a premium hike. In certain states, accident forgiveness may not be available or may function as an add-on coverage at additional cost, rather than an acquired benefit.


State Farm: The Drive Safe and Save discount utilizes technology to give you savings, while rideshare insurance can complement rideshare employees' existing policy

With State Farm we've focused on a technology-based discount and the opportunity to get rideshare coverage if you work for a company like Uber or Lyft.

Drive Safe and Save

Drive Safe and Save is a discount program offered by State Farm that can save you anywhere from 5% to 30% off your premium. And you'll get a 5% discount just for signing up, but potentially more with good driving behavior. The program works as follows:

  • You can download the Drive Safe and Save app, or if you have an OnStar-enabled vehicle, you can use OnStar to deliver your information to State Farm.
  • State Farm will track driver behavior such as your speed, acceleration and breaking, turning, the time of day you're driving and phone usage.
  • Each time your policy is renewed (every six months for most customers), you will receive an updated discount based on your driving behavior.

Since you cannot be penalized for your behavior as part of the Drive Safe and Save program, drivers should definitely consider signing up to be rewarded for safe driving behavior.

Rideshare insurance

If you use your personal car when acting as a driver for a ridesharing company (Uber, Lyft or others), it's possible you'll need rideshare insurance. Rideshare companies offer their drivers commercial policies, but those policies may not cover all stages of the ridesharing experience.

With State Farm rideshare insurance, you'll be covered:

  • When your rideshare app is on and you're available to pick up customers
  • When you're matched with a customer who needs a ride
  • While you're transporting a customer

Other companies may only cover specific moments in the ridesharing experience. For example, USAA only offers what is called rideshare gap protection, which covers the first bullet listed above: the time in which you're on duty and waiting to pick up customers. But USAA does not cover the time after you've accepted a rideshare request.

Depending on the commercial policies offered by your employer, and the price at which those are offered, rideshare drivers should look at State Farm as a way to fill potential insurance gaps. State Farm estimates that rideshare insurance will add approximately 15% to 20% to your auto insurance premium, depending on the coverages you select.


Standard coverages offered by both USAA and State Farm

Wherever you buy auto insurance, drivers have come to expect a standard level of coverage available from their insurer. As two of the biggest insurers in the country, USAA and State Farm offer all the base coverages you would typically see in an auto insurance policy including:

Coverage
USAA
State Farm
Bodily injury liability
Property damage liability
Comprehensive and collision insurance
Personal injury protection
Medical payments
Uninsured and underinsured motorist coverage
{"alignsHorizontal":["left","center","center"],"alignsVertical":[],"columnWidths":["50%","25%","25%"],"data":[["Coverage","USAA","State Farm"],["Bodily injury liability","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Property damage liability","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Comprehensive and collision insurance","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Personal injury protection","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Medical payments","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Uninsured and underinsured motorist coverage","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Standard discounts offered by both USAA and State Farm

If you've shopped with insurance companies before, you've probably noticed that many offer similar types of discounts that reward policyholders for driving safely, having safer cars and purchasing multiple insurance products. Below are some of the discounts offered by both State Farm and USAA.

Discount
USAA
State Farm
Safe driver
Defensive driving course
Driver training
Good student
Anti-theft device
Multiple vehicle policies
Bundling discounts (such as buying homeowners insurance with the same company)
{"alignsHorizontal":["left","center","center"],"alignsVertical":[],"columnWidths":["50%","25%","25%"],"data":[["Discount","USAA","State Farm"],["Safe driver","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Defensive driving course","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Driver training","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Good student","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Anti-theft device","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Multiple vehicle policies","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Bundling discounts (such as buying homeowners insurance with the same company)","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

This list is not exhaustive, as available discounts may differ depending on where you live. Whether you shop with USAA or State Farm, always talk to your insurance agent about what discounts you could qualify for and take advantage of all of them if you do purchase a policy.

Shoppers looking for State Farm or USAA home insurance, too, should definitely consider bundling their policies together, as bundling discounts can provide some of the biggest savings in the market.

Methodology

We researched car insurance quotes from across the entire country for all the states in which data for USAA and State Farm were available.

Our sample driver was a 30-year-old man driving a 2015 Honda Civic EX with a clean driving record, but when driver profiles were adjusted, they were noted above. All other variables were kept consistent. Coverage levels for the policy were:

Coverage type
Study limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision$500 deductible
Personal injury protection (PIP)Minimum when required by state
{"alignsHorizontal":["left","left"],"alignsVertical":[],"columnWidths":[],"data":[["Coverage type","Study limits"],["Bodily injury liability","$50,000 per person \/ $100,000 per accident"],["Property damage","$25,000 per accident"],["Uninsured\/underinsured motorist bodily injury","$50,000 per person \/ $100,000 per accident"],["Comprehensive and collision","$500 deductible"],["Personal injury protection (PIP)","Minimum when required by state"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

For its consumer survey, ValuePenguin commissioned Qualtrics to conduct an online survey of 866 Americans who have home and/or auto insurance, with the sample base proportioned to represent the general population.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.