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State Farm vs USAA car insurance

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State Farm vs USAA: Who has better car insurance?

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.

  • For military members & family
  • Convenient service through the mobile app
  • Coverage around the world

Our top pick: USAA

USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

  • Save when you bundle your home and car insurance
  • Driver & vehicle discounts
  • 24/7 claims service through USAA’s free mobile app
  • Membership savings
  • Get dividends from company profits
  • Flexible premium payments
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Promoted
State Farm

State Farm

 USAA

USAA
About the provider Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list. 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.
Price Policy costs depend your personal situation. Visit State Farm for a quote based on your specific needs. Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* B+ A+
J.D. Power ratings** 3/5 on overall claims satisfaction 5/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts

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

Driver discounts

State Farm

State Farm

 USAA

USAA
Good student Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home.
Defensive driver
Good driver Available (3 years no moving violations or at-fault accidents) Available (good driving record for more than 5 years)
Pay in full discount
Multicar Up to 20% (two or more vehicles in household)
Military
Homeowner
Other discounts Driving training – Varies (all operators under 21 complete approved drivers education)

Drive Safe & Safe – Enroll in the State Farm app

 Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21

Vehicle discounts

State Farm

State Farm

 USAA

USAA
Anti-theft device
Anti-lock brake
Passive restraints Up to 40% (medical-related coverage, vehicle made in 1994 or later) N/A
Air bag
Other discounts Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later) New vehicle discount – Vehicles under 3 years old Vehicle storage – Up to 60% (only for stored cars being insured)

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 Available states
Progressive
Progressive
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Metromile
Metromile
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AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
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Allstate
Allstate
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Liberty Mutual
Liberty Mutual
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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Root
Root
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
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Esurance
Esurance
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
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Farmers
Farmers
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
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The General
The General
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
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