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.

  • Get rewarded for good driving habits
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents

Our top pick: Farmers

Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.

  • Plenty of discounts
  • Catastrophe response for natural disaster.s
  • Personal support from 50,000 agents across the US
USAA

USAA

Farmers

Farmers

About the provider Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more. “Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to ensure that customers have peace of mind with its award-winning Farmers Claim Services.
Price Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs. Policy costs depend your personal situation. Visit Farmers for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* A+ A-
J.D. Power ratings** 5/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

USAA

USAA

Farmers

Farmers

Good student B average or 3.0 GPA or higher
Defensive driver
Good driver good driving record for more than 5 years
Pay in full discount
Multicar
Military
Homeowner
Other discounts Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21

Distant students – 23 or younger, 100+ miles away from home

Teen driver – Single licensed driver under 19

Youthful driver – Driver under 25 in the household

Transfer discount – Switch to Farmers with no lapse in coverage


Vehicle discounts

USAA

USAA

Farmers

Farmers

Anti-theft device
Anti-lock brake
Passive restraints N/A
Air bag
Other discounts New vehicle discount – Vehicles under 3 years old

Vehicle storage – Up to 60% (only for stored cars being insured)

Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol

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
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All 50 states & DC
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

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