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Compare USAA vs. Farmers: Quotes, Discounts (2022)

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Lindsay Frankel

By: Lindsay Frankel

Edited by Tanveen Vohra

Last Updated May 11, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

USAA vs. Farmers: A Summary

If you’re looking to compare car insurance, two companies you might consider are USAA and Farmers. Keep in mind that USAA only offers insurance to military members, veterans, and their eligible family members, while Farmers is available to both military and non-military drivers in all 50 states. Here’s how those two companies compare in terms of cost and reputability.

Insurance CompanyAvg. Monthly Car Insurance QuoteInsurify Composite Score
USAA$4396
Farmers$10785
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Insurify Composite Score

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

USAA

USAA is a financial company serving military members and their families. It offers a variety of insurance, banking, and investing products, including standard car insurance coverage options. In addition, you can get umbrella insurance, roadside assistance, rental reimbursement, new car replacement, and even rideshare coverage from USAA.

USAA offers free accident forgiveness if you’ve been a member for five years without any at-fault accidents. The company also provides a variety of discounts tailored to military members. USAA has superior financial strength ratings and was the highest-rated insurer in 2022 by J.D. Power. The company’s affordable rates make it an optimal choice for military members.

Pros

  • A++ financial strength rating from A.M. Best

  • Top ranking by J.D. Power

  • Offers rideshare coverage

  • Free roadside assistance after five years of no at-fault accidents

  • Well-rated mobile app

  • Discount for garaging your car on a military installation

  • Cheap premiums

  • Can bundle auto insurance and homeowners insurance for a discount

Cons

  • Only available to USAA members. Eligibility is open to military members, veterans, and eligible family members

Farmers

Farmers has been around since 1928 and provides vehicle, property, business, and life insurance to people nationwide. Farmers offers standard liability and full-coverage policies in addition to several unique coverages, including full windshield and glass coverage, towing and roadside service, guaranteed value coverage, and rideshare insurance.

While not as highly rated as USAA, Farmers Insurance is well-rated for customer satisfaction by J.D. Power and has excellent financial strength ratings. Discounts at Farmers vary by state, so you may not know what’s available until you apply for a policy. In most states, you can sign up for the Signal app, which may reward you for safe driving habits if you install a tracker in your car. However, Farmers premiums can be relatively pricey.

Pros

  • Excellent financial strength ratings

  • Relatively high J.D. Power rankings

  • Telematics savings program

  • Can bundle multiple insurance products

  • Lots of coverage add-ons

Cons

  • Slightly higher-than-expected number of complaints with the NAIC in 2020

  • Mixed customer service reviews on third-party websites

USAA vs. Farmers — Ratings

Insurance ProviderFitchA.M. BestMoody’sS&PJ.D. Power
USAAWDA++Aa1AA+902
FarmersWDABaa2A868

The Best Car Insurance Companies in 2022

RankCompany NameAverage Monthly QuoteInsurify Composite Score
1Clearcover
Best Overall
$13597
2Nationwide
Best for Safe Drivers
$19989
3American Family
Best for Families with Teen Drivers
$23489
4Safeco
Best for Drivers with Poor Credit
$18686
5Farmers
Best for Rideshare Coverage
$23985
6Foremost
Best for Hassle-Free Claims
$15982
7Liberty Mutual
Best for Accident Forgiveness
$24182
8Mercury
Best for Face-to-Face Service
$23281
9Progressive
Best for Senior Drivers
$14780
10Travelers
Best for Young Drivers
$16380
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: The Best Car Insurance Companies

Farmers is one of the best insurance companies Insurify’s data scientists evaluated, based on its analysis of a variety of data. USAA didn’t make the list because it’s not available to everyone, but USAA is a reliable car insurance provider that may be the best option for military members looking for affordable coverage.

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Compare USAA vs. Farmers: Which Is Cheaper?

USAA car insurance rates are cheaper than Farmers car insurance rates for all types of drivers. In fact, USAA offers the cheapest average rates for most drivers out of all the companies we evaluated, with few exceptions. However, it’s important to keep in mind that USAA insurance isn’t available to all drivers—you must be a USAA member to get a policy.

The Cheapest Car Insurance Companies in 2022

RankInsurance CompanyAverage Cost Per MonthICS
1USH&C$44Not Rated
2Metromile$63Not Rated
3Direct Auto$64Not Rated
4Travelers$6580
5Kemper$71Not Rated
6Progressive$87Not Rated
7Mile Auto$9185
8National General$9358
9Clearcover$9497
10GAINSCO$94Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Farmers is not one of the cheapest insurance companies out there. In fact, Farmers is consistently more expensive than the industry average for all types of drivers. However, Farmers offers some unique coverage options that aren’t available everywhere, and the company is highly reputable.

USAA didn’t make the list because it isn’t available to everyone, but USAA consistently charges cheaper premiums than most other companies.

See More: The Cheapest Car Insurance Companies

Compare USAA vs. Farmers Car Insurance by Age

Insurance companies tend to charge much higher rates to younger drivers due to their lack of experience on the road. Research shows that teens are more likely to crash than any other age group, so teen drivers pay the most. Car insurance rates tend to decrease with age, with drivers in their 50s paying the cheapest premiums. Here’s what you can expect from each company.

AgeUSAAFarmersIndustry Average
18$100$343$189
25$42$106$69
35$44$102$70
45$34$97$62
55$33$82$56
65$36$87$59
75$46$106$71
81$57$118$80
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Farmers insurance is relatively expensive compared to the industry average, especially for teen drivers. USAA, on the other hand, offers some of the lowest rates to drivers of all ages. Farmers offers slightly lower average rates to drivers in their 80s, but otherwise, USAA is the cheapest insurance provider on average for all other ages.

Compare USAA vs. Farmers Car Insurance by Gender

In most states, car insurance companies consider your gender when setting your monthly premiums. Women pay just slightly less than men over their lives, with more significant gender differences for younger age groups. Here’s what men and women pay on average at each auto insurance provider.

Insurance CompanyAvg. Monthly Car Insurance Quote for WomenAvg. Monthly Car Insurance Quote for Men
USAA$42$43
Farmers$106$108
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for men?

USAAFarmersIndustry Average
Avg. Monthly Cost for Men$43$108$70
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

USAA’s average monthly premiums for men are significantly less than both Farmers’ rates and the industry average. In fact, USAA offers the cheapest premiums for men out of the insurers we evaluated.

Which is cheapest for women?

USAAFarmersIndustry Average
Avg. Monthly Cost for Women$42$106$69
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Women pay much less on average at USAA than at Farmers. USAA average premiums also beat the industry average. Out of all the insurance companies we evaluated, USAA offers the cheapest premiums for women.

Compare USAA vs. Farmers Car Insurance by Mileage

Some car insurance companies consider your estimated annual mileage when establishing your monthly premiums. For this reason, policyholders who only drive occasionally may pay less than those who drive more frequently. Both USAA and Farmers have usage-based programs that may reduce your rates further if you’re a low-mileage driver.

Which is cheapest for drivers with high mileage?

Annual MileageUSAAFarmersIndustry Average
15,000-20,000$42$106$69
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

USAA car insurance is much cheaper for high-mileage drivers than Farmers. USAA premiums also beat the industry average for high-mileage drivers.

Which is cheapest for drivers with low mileage?

Annual MileageUSAAFarmersIndustry Average
5,000$42$96$68
10,000$42$106$69
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

USAA premiums are cheaper than Farmers premiums on average for low-mileage drivers as well. Getting a policy from USAA with low mileage even beats the industry average.

Compare USAA vs. Farmers Car Insurance by Credit Score

In most states, auto insurers review your credit-based insurance score when setting your premiums. That’s because of a correlation between poor credit and relatively high claims filing. Keep in mind that certain states, such as California, Massachusetts, and Hawaii, prohibit the use of credit score in underwriting. Here’s what USAA and Farmers charge drivers, based on their credit tiers.

Which is cheapest for good credit?

Credit TierUSAAFarmersIndustry Average
Excellent$36$68$52
Good$40$85$62
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

USAA offers cheaper rates than both Farmers and the national average for drivers with good and excellent credit. USAA is the cheapest company we evaluated for drivers with good credit, but drivers with excellent credit pay slightly less at Farmers.

Which is cheapest for bad credit?

Credit TierUSAAFarmersIndustry Average
Poor$65$135$102
Average$42$91$67
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

The average premiums that drivers with bad credit pay at USAA are less than half what Farmers charges on average. USAA also beats the industry average for these drivers and is the cheapest provider for drivers with average credit. Drivers with poor credit pay a little less on average at GEICO.

Compare USAA vs. Farmers Car Insurance by Driving Record

One of the ways insurance companies evaluate the risk to insure you is by reviewing your driving record. If you’ve had speeding tickets, DUIs, or at-fault accidents in the past, your insurer will see that as a sign of risky driving behavior. As a result, drivers with violations pay more for car insurance.

Some companies offer a way to offset the price increase, such as by taking a defensive driving course or enrolling in a telematics program that tracks your driving habits. But on average, you’ll still pay higher rates than a driver with a clean record. Every insurer assesses violations a little differently, however.

Here’s what you can expect from USAA and Farmers in terms of cost after each type of infraction.

Which is cheapest for good drivers?

ViolationUSAAFarmersIndustry Average
Clean Record$42$91$67
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Drivers with a clean record pay cheaper rates on average at USAA than at Farmers. USAA also beats the industry average. In fact, USAA is the cheapest insurance company we evaluated for good drivers.

Which is cheapest after a speeding ticket?

ViolationUSAAFarmersIndustry Average
Speeding Ticket$51$129$88
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Drivers who have been pulled over for speeding pay cheaper average rates at USAA than at Farmers. USAA’s rates also beat the industry average and are the cheapest of those we evaluated for drivers with speeding tickets.

Which is cheapest after an accident?

ViolationUSAAFarmersIndustry Average
At-Fault Accident$60$127$99

USAA policyholders who have caused a crash pay less than half what Farmers policyholders pay after an at-fault accident. USAA also beats the industry average and is the cheapest company we evaluated for drivers with accidents on their records.

Which is cheapest after a DUI?

ViolationUSAAFarmersIndustry Average
DUI$84$133$113

USAA vs. Farmers Car Insurance: What discounts does each offer?

Insurance DiscountUSAAFarmers
Multi-policy
Multi-vehicle
Loyalty
Affinity
Telematics
Homeowner
Payment
Safety device
Anti-theft
New car
Defensive driving
Driver training
Safe driver/good driver
Military garage
Deployed
Good student
Distant student
Youthful driver
Low mileage
ePolicy

Note that discounts vary from state to state.

Our Methodology and How We Compared USAA and Farmers

The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers a window into how insurance providers compare to one another in terms of both cost and quality.

Frequently Asked Questions

  • USAA is cheaper than Farmers for most drivers. Average monthly premiums at USAA are often half the cost of average monthly premiums at Farmers for drivers with similar profiles. However, USAA insurance isn’t available to everyone.

  • Both are reputable companies with high rankings for customer satisfaction and financial strength, plenty of coverage options and discounts, online tools such as free quotes, telematics programs, and well-rated mobile apps. You can’t go wrong with either company, but you’ll only be eligible for USAA if you’re a military member, veteran, or eligible family member.

  • This guide provides a breakdown of average costs at each company for each type of driver, but the best way to compare your individual rate at USAA and Farmers is to get customized quotes from Insurify. You’ll just need to answer a few questions to get started, and our artificial intelligence technology will show you the cheapest rates you’re eligible for.

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Lindsay Frankel
Lindsay Frankel

Insurance Writer

Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.

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