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State Farm vs USAA: Who has better car insurance?

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

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Roslyn McKenna
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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

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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.

Speak to an agent: 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
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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 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 Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Get quotes
More Info
Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
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.
Get quotes
More Info
Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Get quotes
More Info
Root
Root
No
Yes
Telematics only
Yes
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.
Get quotes
More Info
The AARP Auto Insurance Program from the Hartford
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
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.
Get quotes
More Info
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