Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

State Farm vs USAA: Who has better car insurance?

Both companies offer steep discounts, but USAA stands out for top rated customer support.

Our top pick: USAA

  • USAA won Finder's best pick for military drivers 3 years in a row
  • Some of the lowest rates and highest customer satisfaction
  • Geared for military, including overseas car-buying support and flexible payments
  • 24/7 online policy management from bills to claims
  • Earn dividends from company profits
Get quotes

Both State Farm and USAA began in 1922, but each company serves a different market. USAA serves current and former members of the military and their families by offering affordable car insurance. State Farm also provides affordable insurance through its discounts, including its Drive Safe & Save program and a vehicle safety discount, among others.

USAA is well known for excellent rates and customer help, so it’s a clear winner if you have a military affiliation. If not, State Farm’s still a solid choice with a great reputation and discounts.

State Farm

USAA

OVERVIEW

OVERVIEW
About the provider
About the brand Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232. 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

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No 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
Phone
Online
Phone
Payment schedule
Payment schedule 12 months
6 months
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, Up to 20% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 40% Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes, Up to 25% Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Bottom line

With USAA’s outstanding reputation for customer service and affordable insurance rates, if you qualify for insurance through this insurer is the best choice. But don’t rule out State Farm, as its many discounts might give you a better deal. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to State Farm and USAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
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.
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.
Root
52%
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.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site