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USAA vs. State Farm Car Insurance: What’s the Difference?

usaa vs state farm car insurance

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If you’re shopping for a new car insurance policy, you may be considering both State Farm and USAA. Comparing USAA vs. State Farm car insurance can help you choose the one that works best for you. Both companies have loyal customers and competitive prices, but they differ in many categories. Here’s everything you need to know about how car insurance from USAA and State Farm compare.

USAA Car Insurance

USAA is an insurance company that serves military members, veterans, and their families. The company was founded in 1922 when several Army officers made the decision to insure one another’s vehicles, and since then the company has continued to grow. They cover many types of vehicles with their policies, including boats, personal watercraft, motorcycles, ATVs, RVs, classic cars, and aircraft.

USAA offers 24/7 service and claims through its mobile app. As a USAA member, you also gain access to shopping perks and discounts for travel. They offer liability coverage to pay for injuries and damages in accidents when you’re at fault. They also offer collision insurance, which covers damage to your own vehicle from accidents.

Comprehensive car insurance from USAA pays for damages to your vehicle from sources like flooding, hail, fire, and animals. When you opt for uninsured and underinsured motorist insurance from USAA, you are protected in situations when an uninsured driver causes damage to you, your passengers, or your vehicle.

State Farm Car Insurance

State Farm’s mission is to help its customers manage the risks of everyday life. The company’s vision is to provide support for its members to build their futures. State Farm was founded in 1922 by a retired farmer as an auto insurance company owned by the policyholders.

When the company first began, it focused on offering better insurance policies to farmers. The company has since grown much larger, and now offers many types of products to customers. State Farm has a mobile app you can use to contact your agent, protect your information, and use emergency roadside assistance.

State Farm offers products other than car insurance, including banking, small business insurance, and investment services. When you bundle policies with State Farm, you can save more on your car insurance. For example, when you purchase both car insurance and home insurance, you may lower your overall insurance prices.

How Do USAA and State Farm Compare?

USAA and State Farm both offer a full range of car insurance plans at differing prices for different drivers. They both have loyal customers and long histories of providing reliable support. These are some of the areas in which you can compare USAA and State Farm car insurance:

USAA vs. State Farm Availability

The first thing to consider when choosing between State Farm and USAA is whether or not you qualify to use USAA’s services. One of the benefits that State Farm has over USAA is that it’s available to anyone, regardless of military status. USAA currently only serves members of the military, veterans, and their families, making it more difficult for the general public to access. These are the specific criteria for becoming a USAA member:

  • Spouses and children of USAA members
  • United States military members and veterans
  • Pre-commissioned officers

Additionally, you can only gain access to a quote through USAA after becoming a member. With State Farm, you can input your information and get a quote without becoming a member. This may be an area in which State Farm outperforms USAA because they are accessible to a wider customer base.

USAA vs. State Farm Pricing

Pricing for insurance from either company depends on factors like where you live, how old you are, your gender, and the type of car you drive. However, USAA may outperform State Farm in several areas when it comes to price. Though State Farm offers lower prices following a DUI, USAA has lower prices for several other demographics.

For example, teen drivers insured under USAA may pay between $2,714 and $2,955 per year. Teen drivers using State Farm may pay between $2,986 and $3,661 per year. Young adults may pay between $1,033 and $1,086 per year with USAA and $1,262 to $1,396 per year with State Farm.

Seniors can also save by choosing USAA, as they may pay about $756 per year with USAA and $1,038 with State Farm. A driver with poor credit may pay $1,602 per year with USAA, and $2,803 per year with State Farm. If you have poor credit, choosing insurance with USAA may save you several hundred dollars each year.

USAA vs. State Farm Bundling

You can bundle several types of insurance with USAA to receive discounts. You may save up to 10% when you package renter’s, home, and auto insurance together. Bundling with State Farm can save you up to $1,127 per year on your home and auto insurance. They have several combinations you can choose from, including home and auto, auto and condo, auto and life, and auto and renters insurance.

USAA vs. State Farm Discounts

When it comes to USAA vs. State Farm car insurance, both companies offer discounts that can help you lower your premiums. For example:

  • Safety features: If your car has certain safety features, like airbags installed by the manufacturer, USAA and State Farm may offer a discount. This may also include passive restraint systems.
  • Newer vehicle: USAA and State Farm may offer an insurance discount for newer vehicles because they are less likely to have major mechanical issues.
  • Good student: State Farm and USAA may offer a discount for those who are in college and maintaining a certain grade point average.

Additionally, these are some of the discounts you may qualify for if you choose to insure your car with USAA:

  • Family legacy: If you have a parent who is a USAA member, and you’re under the age of 24, you may receive a discount.
  • Military garaging: Those who are storing their vehicle during military service may receive a discount from USAA.

Hopefully, this guide comparing USAA vs. State Farm car insurance has helped you learn more about how the two stack up if you’re looking for a new policy. Learning more about different insurance companies can help you determine which is best for you.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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