Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
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.
Guides
Vehicle Guides
Need Financing?
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.
Our top pick: USAA
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
- 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
|
|
|
|---|---|
| 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. |
| All 50 states | All 50 states |
| Optional | Optional |
| Yes | No |
| Yes | Yes |
| Yes | Yes |
| Yes |
Yes |
| Online Phone |
Online Phone |
| 12 months 6 months Monthly |
12 months 6 months custom |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| No | Yes |
| Yes, Up to 20% | Yes |
| Yes | Yes |
| Yes, up to 40% | Yes |
| Yes | Yes |
| No | Yes |
| Yes, Up to 25% | Yes |
| No | Yes |
|
|
|
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
More guides on Finder
-
Car insurance engine
Get cheap car insurance quotes for you.
-
Compare the best auto and renters insurance bundles
The best companies blend wide auto and renters coverage, free perks and strong value.
-
Compare the best online car insurance companies
Compare the 5 best digital-focused car insurance companies.
-
Compare manual vs. automatic car insurance
Cars with stick shifts cost a little less to insure than automatics
-
How does coronavirus affect car insurance?
The virus won’t change coverage, but it could affect claims and communication with your insurance company.
-
Can I get car insurance premium forgiveness during the coronavirus outbreak?
Car insurance companies are chiming in with payment extensions or waived fees for financial relief.
-
South Carolina Farm Bureau car insurance
Compare coverage, perks and discounts from South Carolina Farm Bureau car insurance plus how to apply for a policy.
-
Mountain West Farm car insurance
Compare coverage, perks and discounts from Mountain West Farm car insurance plus how to apply for a policy.
-
Mountain States Insurance car insurance
Compare coverage, perks and discounts from Mountain States Insurance car insurance.
Ask an Expert