State Farm vs. USAA: Which Is Cheaper in 2021
When it comes to State Farm vs USAA, USAA car insurance is cheaper across the board. However, USAA insurance is only available for the military, veterans, and their families. Both receive a superior rating for financial stability, and USAA insurance ranks higher for customer satisfaction. Take advantage of discounts offered to see if State Farm vs USAA auto insurance is cheaper for you.
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UPDATED: Mar 26, 2021
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- When it comes to State Farm vs. USAA, State Farm car insurance is more expensive than USAA
- USAA insurance is only offered to the military, veterans, and their families
- USAA has better financial and customer satisfaction ratings than State Farm
There are a lot of choices out there for car insurance companies and looking at them side by side will help you choose.
We will look at State Farm vs. USAA car insurance companies to see if either is right for you.
To pick the best company for you, compare the pros and cons of State Farm vs. USAA based on pricing, discounts, and ratings to see who can provide you with the best price.
Fortunately, you don’t have to choose only between State Farm and USAA to find the right insurance provider. Now is the time to compare free quotes from different companies in your area by entering your ZIP code.
Is State Farm car insurance or USAA car insurance cheaper?
Just what factors looked at to determine your car insurance rates may surprise you. Companies determine your rates based on your age, gender, marital status, driving record, and credit history.
These factors, as well as others, will be included in determining how affordable State Farm vs. USAA car insurance for you. Keep in mind that each driver’s rate will be different.
Let’s start by looking at State Farm vs. USAA car insurance rates by age, gender, and marital status. Young driver car insurance is unsurprisingly costly, but you might be surprised to discover how much age affects your car insurance rates.
|Age, Gender, and Marital Status||State Farm Average Annual Rates||USAA Average Annual Rates|
|Single 17-year-old female||$4,875.91||$4,695.06|
|Single 17-year-old male||$6,130.77||$5,225.88|
|Single 25-year-old female||$1,979.45||$1,913.08|
|Single 25-year old male||$2,176.45||$2,119.73|
|Married 35-year-old female||$1,734.93||$1,484.88|
|Married 35-year-old male||$1,734.93||$1,482.91|
|Married 60-year-old female||$1,558.06||$1,395.84|
|Married 60-year-old male||$1,558.06||$1,400.76|
State Farm is more expensive than USAA, no matter the age, gender, or marital status.
Your driving record is one of the most important factors that car insurance companies look at. Accidents, speeding tickets, and DUIs will cause your rates to skyrocket.
|Driving Record||State Farm Average Annual Rates||USAA Average Annual Rates|
|With 1 accident||$3,396.01||$2,516.24|
|With 1 DUI||$3,636.80||$3,506.03|
|With 1 speeding violation||$3,186.01||$2,193.25|
USAA has the cheaper rates regardless of your driving record.
When determining your car insurance rates, your credit score is also taken into account. Car insurance companies believe that if you have a better credit score, you are more likely to pay for your own losses rather than filing a claim.
|Credit History||State Farm Average Annual Rates||USAA Average Annual Rates|
Yet again, USAA is the cheaper choice.
Car insurance companies can no longer use your credit score to calculate your rates in some states, such as California.
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Does State Farm or USAA have better car insurance discounts?
Car insurance discounts are one of the most effective ways to greatly reduce your rates. Many of the same discounts, such as good student and multi-car discounts, are available from most auto insurance companies.
The table below shows you the discounts offered by State Farm and USAA. The amount of the discount is listed if it is known. Look through this list to see which company can provide you with the most savings.
|Car Insurance Discounts||State Farm (%)||USAA (%)|
|Daytime Running Lights||N/A||x|
Both companies offer many of the same discounts, but there are some differences. For example, State Farm offers a homeowner discount and USAA doesn’t. However, USAA offers a family legacy discount and State Farm does not.
When you compare State Farm vs. USAA car insurance quotes, make sure you ask for any available discounts.
How do State Farm and USAA compare in financial strength and customer satisfaction?
A.M. Best ranks the financial stability of insurance companies. State Farm received an A+ rating, meaning it has a superior ability to meet financial obligations. USAA insurance scored an A++, also meaning it has a superior ability to meet financial obligations.
State Farm is not rated by the Better Business Bureau, and USAA scored an A-.
Prices, billing, claims, and the products offered are among the criteria used by J.D. Power to rate businesses based on customer satisfaction. State Farm ranked about average in most areas, while USAA ranked above average.
With your State Farm or USAA login, you can access your account, pay bills, and get proof of insurance on the companies’ websites and mobile apps. You can also get a USAA or State Farm car insurance quote online.
Additional coverages, such as roadside assistance and homeowners insurance, are also available from State Farm and USAA.
If you need assistance or have concerns, you can contact each company 24 hours a day. The USAA customer service number is 1-800-531-8722, and the State Farm number is 1-800-782-8332.
Can I get USAA and State Farm insurance near me? Yes, both companies are available in all 50 states.
Deciding whether to buy State Farm vs. USAA car insurance can be difficult. To see which is right for you, compare prices, discounts, and scores. You may also compare rates from various companies to see who has the best offer.
Enter your ZIP code to compare quotes from multiple companies near you for free now that you’ve compared State Farm vs. USAA car insurance.