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State Farm vs USAA car insurance
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
 State Farm |
 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
Vehicle discounts
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.
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