State Farm vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

State Farm VS USAA
88
96
What is this?
User Ratings
OptionsState Farm USAA
Rating/Reviews
2,186 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsState Farm USAA
Call Center Representative--Among the best
Insurer WebsiteThe restAmong the best
Local AgentAbout averageAbout average
Overall SatisfactionAbout averageAmong the best
Policy OfferingsAbout averageAmong the best
PricingThe restAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsState Farm USAA
Claim ServicingAbout averageBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)About averageAmong the best
Overall SatisfactionAbout averageAmong the best
Rental ExperienceAbout averageBetter than most
Repair ProcessAbout averageAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionState Farm USAA
California813 pt
About average
894 pt
Among the best
Central824 pt
About average
906 pt
Among the best
Florida798 pt
The rest
888 pt
Among the best
Mid-Atlantic826 pt
The rest
896 pt
Among the best
New England838 pt
Better than most
893 pt
Among the best
New York820 pt
About average
900 pt
Among the best
North Central840 pt
Better than most
905 pt
Among the best
Northwest817 pt
About average
896 pt
Among the best
Southeast821 pt
About average
894 pt
Among the best
Southwest829 pt
Better than most
887 pt
Among the best
Texas816 pt
The rest
899 pt
Among the best
Mobile App Ratings
RegionState Farm USAA
Android
12,082 Reviews
98,577 Reviews
iOS
288 Reviews
3,600 Reviews
Financial Ratings
OptionsState Farm USAA
A.M. BestA++A++
Fitch--AA+
Moody'sAa1Aa1
Standard & Poor'sAAAA+

Auto Insurance Quotes

For Married Drivers

CityState Farm USAA
Austin$52$48
Chicago$54$47
Philadelphia$73$31
Phoenix$72$39
Santa Monica$81$50

For Single Drivers

CityState Farm USAA
Austin$54$61
Chicago$54$69
Philadelphia$74$41
Phoenix$64$58
Santa Monica$117$89

For Male Drivers

CityState Farm USAA
Austin$52$55
Chicago$53$59
Philadelphia$72$38
Phoenix$63$52
Santa Monica$116$82

For Female Drivers

CityState Farm USAA
Austin$54$54
Chicago$56$57
Philadelphia$76$35
Phoenix$73$44
Santa Monica$83$57

For Drivers with Speeding Ticket

CityState Farm USAA
Austin$66$73
Chicago$60$85
Philadelphia$84$45
Phoenix$74$69
Santa Monica$187$115

For Drivers with No Speeding Ticket

CityState Farm USAA
Austin$50$51
Chicago$53$52
Philadelphia$73$35
Phoenix$67$44
Santa Monica$80$59

For Drivers Age Between 18-40

CityState Farm USAA
Austin$56$61
Chicago$55$71
Philadelphia$76$42
Phoenix$65$59
Santa Monica$132$95

For Drivers Age Between 40-65

CityState Farm USAA
Austin$50$44
Chicago$51$43
Philadelphia$69$28
Phoenix$68$35
Santa Monica$79$49

For Drivers Age of 65+

CityState Farm USAA
Austin$52$71
Chicago$62$66
Philadelphia$84$46
Phoenix$80$57
Santa Monica$55$48

For Drivers with Average Credit

CityState Farm USAA
Austin$60$59
Chicago$62$68
Philadelphia$84$41
Phoenix$80$51
Santa Monica$95$68

For Drivers with Fair Credit

CityState Farm USAA
Austin$58$57
Chicago$60$55
Philadelphia$81$37
Phoenix$90$46
Santa Monica$81$55

For Drivers with Good Credit

CityState Farm USAA
Austin$52$45
Chicago$53$47
Philadelphia$72$32
Phoenix$62$38
Santa Monica$89$55

For Drivers with Excellent Credit

CityState Farm USAA
Austin$42$57
Chicago$43$62
Philadelphia$59$35
Phoenix$39$57
Santa Monica$131$99

Quotes & Discounts

Discount typeState Farm USAA
Good CreditUp to 80%--
New CarUp to 40%Varies
Passive RestraintUp to 40%Up to 15%
Driving HabitsUp to 30%--
Good DriverUp to 25%Up to 10%
Good StudentUp to 25%Varies
Anti-lock BrakeUp to 20%Varies
Multiple VehicleUp to 20%Up to 13%
Multiple PolicyUp to 17%Up to 9%
Accident FreeUp to 15%--
Anti-Theft DeviceUp to 15%Up to 20%
teenSMARTUp to 15%Varies
Low MileageUp to 10%Varies
Defensive DriverUp to 5%Varies
Claims Free RenewalVaries--
Daytime Running LightsVariesVaries
Driving trainingVariesVaries
Home OwnerVaries--
LoyaltyVariesVaries
Mature driverVaries--
MilitaryVariesUp to 15%
Senior AdultVaries--
Student Away at SchoolVariesUp to 20%
TravelinkVaries--
Accident Forgiveness--Varies
Family--Up to 10%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeState Farm USAA
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
yesyes
Pay Through Your Agent
yes--
Person 2 Person Payment yes--
Phone Payment
yes--

Features and Services

Features and ServicesState Farm USAA
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Loyalty rewards programyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesState Farm USAA
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Glass Coverage yes--
Mechanical Breakdown Insurance
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • State Farm
  • USAA
  • Both

Compare Insurance Products

ProductState Farm USAA
Personal Articles InsurancePersonal Articles Insuranceyesyes
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Disability InsuranceDisability Insuranceyes--
Farm InsuranceFarm Insuranceyesyes
Flood InsuranceFlood Insuranceyesyes
Golf Cart InsuranceGolf Cart Insuranceyes--
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Snowmobile insuranceSnowmobile insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • State Farm Reviews
  • USAA Reviews
3.5
5 Stars
38 %
4 Stars
18 %
3 Stars
19 %
2 Stars
9 %
1 Star
17 %

Most Helpful Review

By Mary
They have increased my premium for my auto insurance within the past 6 months to over $500 per 6 months policy all supposedly due to my cancelling coverage for a vehicle I no longer have. Even my insurance agent couldn't understand the drastic increase because l have a spotless driving record and no accidents and have my homeowners insurance with them. My annual auto insurance rate is over $2000 which is double what my annual premium is for my homeowners insurance.

Latest Review

By fvdsf
deewfre

All Reviews

Showing 1 - 10 out of 1000 Reviews
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fvdsf
deewfre
Triss
I've had State Farm sense I was 18 , I am now in my late 40's , I often wondered why I've stayed so long?? They have never really seem to be helpful. Someone knocked my side mirror off my car and they wanted to turn me over to claims to fix it ?? They've never heard any complaints from me. I pay 800.00 twice a year for a newer car ? No accidents , good credit etc... I pay what most people pay for two vehicles !! Do believe I'll be switching. Thanks for taking more money than you should. State Farm / NOT.
Chester
Cant take surprises policy rates went up without my knowledge!! Saved 213 $ and way more coverage !!
Stephen
Excellent customer service
Zachariah
The customer service
Benjamin
Treat u like family
David
We didn't have to give a down payment
Claude
Very expensive, Totalled my Kia Optima when It could have been repaired for much less. Rates since then have been very high.
Christopher
Mary
They have increased my premium for my auto insurance within the past 6 months to over $500 per 6 months policy all supposedly due to my cancelling coverage for a vehicle I no longer have. Even my insurance agent couldn't understand the drastic increase because l have a spotless driving record and no accidents and have my homeowners insurance with them. My annual auto insurance rate is over $2000 which is double what my annual premium is for my homeowners insurance.
Showing 1 - 10 out of 1000 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting 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 insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.