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State Farm vs USAA car insurance

State Farm vs USAA: Who has better car insurance?

Roslyn McKenna
Roslyn McKenna

Updated

Fact checked

Both State Farm and USAA started in 1922 but has embraced a different market and identity since then. USAA serves current and former members of the military and their families by offering affordable car insurance. While 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 top choice if you have a military affiliation. If not, State Farm’s still a solid choice with a great reputation and discounts.

Our top pick: USAA

Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members.

  • 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
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State Farm

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USAA

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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 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 Optional 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
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
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Bottom line

With USAA’s outstanding reputation for customer service and affordable insurance rates, if you qualify for insurance through this provider it’s a no-brainer. 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
Progressive
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.
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More Info
Clearcover
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.
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More Info
The AARP Auto Insurance Program from The Hartford
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.
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More Info
Allstate
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
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.
Get quotes
Esurance
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.
Get quotes
More Info
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