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Usaa Car And Renters Insurance
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Best Car Insurance For Military & Veterans
Generally speaking, when it comes to USAA vs. State Farm in auto insurance, drivers really can't go wrong. Providers earned the top two spots for best auto insurance companies in our 2022 industry-wide insurance survey, earning high marks in every scoring category.
The guide team took an in-depth look at each company's reputation, pricing, coverage and customer service to see how USAA and State Farm compare. To help you decide, our team breaks down the differences between the two providers.
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The Guide team is committed to providing reliable information that will help you make the best possible decision about insuring your vehicle. Because consumers trust us to provide objective and accurate information, we've created a comprehensive rating system to compile rankings of the best auto insurance companies. We have collected data from dozens of auto insurance providers to rate companies based on several rating factors. After 800 hours of research, the end result is a general rating for each service provider, and the insurers with the highest points are at the top of the list.
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When comparing USAA vs. State Farm, we found that both providers have much more to offer policyholders. In many cases, USAA offers lower average prices than State Farm. However, USAA auto insurance is only available to military, veterans and their families, which means these low rates are not available to everyone. State Farm, on the other hand, is available to anyone in all states except Massachusetts and Rhode Island and requires a wide network of insurance agencies and local agents.
Our team uses a standardized method of scoring providers based on over 70 factors. You can compare USAA vs. State Farm points in the table below.
USAA stands for United Services Automobile Association. The service provider offers its insurance products and other services exclusively to active, reserved and retired military personnel and their family members.
As an insurance company, USAA consistently achieves insurance research such as J.D. Powerin, best results. The insurer also offers cheaper rates for a wide range of driver profiles.
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State Farm is the nation's largest insurer with 15.93 percent of the total auto insurance market in 2021, according to data from the National Association of Insurance Commissioners (NAIC). The company has booked payouts of more than $41.6 billion in 2021.
As a service provider, State Farm offers affordable rates and strong selective discounts to many drivers across the country. The company proudly claims that they have more than 19,000 local insurance agents across the country, meaning people in many places have access to personal services.
USAA and State Farm offer the same standard insurance options you'll find anywhere else, including liability, property and health coverage.
Both providers also offer similar additional coverage options. However, USAA offers some coverages that State Farm does not.
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For example, USAA offers car trade-in assistance, which pays an additional 20% of your vehicle's cash value in the event of a total loss. USAA also offers guaranteed asset protection, also known as gap insurance. State Farm does not offer any of these options. While USAA offers glass protection as an add-on, State Farm includes glass requirements in its comprehensive coverages.
*Note: All estimates are for full insurance and based on a standard profile of a 35-year-old driver with a clean driving record and good credit.
When it comes to coverage costs, USAA offers cheaper auto insurance premiums than State Farm in most cases - but not all. Drivers who have been convicted of driving under the influence (DUI) or who have recently received a speeding ticket may qualify for lower premiums through State Farm.
As you can see from the table above, auto insurance rates can vary greatly depending on a few variables. The following factors have the greatest impact on the cost of car insurance:
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Both USAA and State Farm offer a good selection of auto insurance discounts. Bundling home insurance, life insurance, renter's insurance or other insurance products with your auto coverage offers typical discounts.
USAA offers discounts for military personnel that State Farm does not, but State Farm offers some driver safety discounts that USAA does not.
Auto insurance discounts can sometimes vary by location. Ask your insurance agent about all available discount options before enrolling in your policy.
Both USAA and State Farm have usage-based insurance (UBI) programs that offer discounts to safe drivers. UBI programs collect vehicle telematics data from your mobile phone or other technology, such as speed, acceleration and hard braking, to monitor driving habits. Consumers of safe driving practices can get a discount on their insurance.
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USAA's Safe Pilot is available in all states except California, Delaware, Indiana, Massachusetts, New Jersey, New York, North Carolina, Vermont and Wisconsin.
Drive Safe & Save from State Farm is more widely available than the Safe Pilot. Drivers in all states except California, Massachusetts and Rhode Island are eligible to participate in the program. Availability may be limited for North Carolina drivers.
In our 2022 insurance survey, both providers received high customer satisfaction scores. These scores are based on a combination of industry ratings and customer review scores.
In the J.D. Power Insurance Shopping Study, both USAA and State Farm beat the industry average. In the 2022 survey, USAA scored 875 out of a possible 1,000 points, while State Farm scored 885. Both insurers also performed well in J.D. In the Power 2022 US Auto Claims Satisfaction Surveyâ„ , USAA received a top score of 909 and a top state ranking of 892.
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According to 2021 NAIC data, the USAA Private Passenger Insurance Complaint Index is 1.06. This is slightly higher than the national average for insurance companies of its size normalized to 1.0. On the other hand, State Farm's complaint index is 0.67, which means it receives fewer complaints than the national average.
Both USAA and State Farm have objectively low scores from customers on the BBB website. However, this is to be expected as customers typically only go to the BBB when they want to report a problem or frustration. Both providers' scores are fairly common in the industry.
In the table below, you'll find customer reviews of USAA and State Farm as companies and their mobile apps that play an increasingly important role in the auto insurance consumer experience.
When comparing USAA vs. State Farm, our team found both to be excellent providers. Drivers can find affordable prices and great customer service.
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Aside from some optional coverages, the main difference between the two providers is accessibility. USAA insurance is only available to members of the military and their families, which means many people cannot get coverage from the company.
We recommend both USAA and State Farm. While both offer great rates, they may not give you the cheapest car insurance.
It is best to get insurance quotes from multiple providers so you can compare car insurance options. The following providers also topped our 2022 list of the best car insurance companies.
For drivers who want as much choice as possible when building their car insurance, Travelers is a great place to start. In our insurance review, our team found that the provider offers one of the largest coverage options in the country. Most drivers can find the coverage they need from Travelers.
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Affordability is usually top of mind for most auto insurance buyers, and Geico is consistently among the cheapest options for many driver profiles. A variety of discounts can help lower prices even further, so it's a good idea to get a quote from Geico when shopping for auto insurance.
Generally, State Farm is good at paying claims. The company scored 892 points out of a possible 1,000 points in the J.D. In the Power Auto Claims Satisfaction Study, it ranked sixth among service providers in the study.
USAA is more expensive than State Farm for a select few
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