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

Both companies offer competitive rates, but Farmers offers two free protections that USAA doesn't.

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, USAA only offers insurance to members of the military and their families, with steep discounts and miliary member perks. However, Farmers stands out as the top pick in our comparison for free roadside assistance and new car protection, something USAA doesn’t offer.

If you’re looking for other factors that will help you choose one insurer 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.

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. Only available to military members and veterans and their family.
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 Yes 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 Yes Yes
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more

Bottom line

If you qualify for insurance through USAA, its excellent reputation for customer service makes it a top choice. But don’t rule out Farmers, it may be the better choice if you’re not a member of the military and want new car protection and free roadside assistance. If neither one is right for you, compare car insurance companies to find the best option 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.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Savvy
Savvy
Optional
Optional
Yes
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Gabi
Optional
Optional
Yes
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
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