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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.




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 & DC


Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
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
Payment schedule
Payment schedule 12 months
12 months
6 months


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 Gap insurance Homeowner discount Telematics Has an app? Available states
loan/lease coverage
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Depends on provider
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
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.
Telematics only
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Yes, up to 5%
All states except AK, HI, KS, MI, ND, SD, WV, WY
Use the handy online quote tool to build your perfect policy or call an agent for a personal touch.

Compare up to 4 providers

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