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Farmers vs. USAA: Which provider is better for you?

Farmers vs. USAA

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Backed by nearly 100 years of experience, Farmers Insurance offers options and support to help you find the coverage you need. Like Farmers, USAA has been providing insurance for close to 100 years.

Both Farmers and USAA offer insurance at competitive rates, and both companies get high marks from the Better Business Bureau. But there is one important factor that sets them apart. USAA only offers insurance to members of the military and their families.

If you’re looking for other factors that will help you choose one provider over the other, keep reading. Below we’ve lined up Farmers and USAA side by side in a comprehensive comparison. Get the info you need to make your decision here.

Our top pick: Farmers

Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.

  • Many savings opportunities with 13+ discounts
  • Personalized service through 50,000 local agents
  • Optional extras like accident forgiveness, custom parts or rideshare coverage
 

Farmers

USAA

OVERVIEW

OVERVIEW
About the provider
About the brand Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options. Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes No
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Online
Phone
Payment schedule
Payment schedule 12 months
custom
Monthly
12 months
6 months
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount No Yes
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Bottom line

If you qualify for insurance through USAA, its excellent reputation for customer service make it a top choice. But don’t rule out Farmers. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Farmers and USAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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