USAA Auto Insurance vs State Farm Auto Insurance
USAA and State Farm are both dependable and well-known auto insurance companies. These companies have received high financial strength ratings.
When choosing between the two companies, you'll need to consider some differences in coverage types and discounts available. USAA's products and services are only available to its members, so you'll need to consider its membership requirements as well.
Overview
USAA Auto Insurance
N/A
Phone, Live Chat, Email, In-Person
Undisclosed
State Farm Auto Insurance
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Phone, Live Chat, Email, In-Person
Undisclosed
Ratings
USAA Auto Insurance
State Farm Auto Insurance
Reviews
USAA Auto Insurance
Reviews
State Farm Auto Insurance
Reviews for USAA Auto Insurance
Helpful Favorable Review
Stephanie M.
February 17th, 2024
Oceanside, CA
My daughter was in an accident and her car was totaled. USAA was very easy to work with. They did all of the communication with the other insurance company for us. The whole ordeal was finalized in a timely manner.
Helpful Critical Review
melissa sorensen
January 21st, 2022
Spanish Fork, UT
Review Source
We were with USAA for many, many years due to my husbands service. Then in one year they raised our rates hundreds. We asked what the change was with no claims and they said our area drove the price. Our loyalty meant nothing.
Reviews for State Farm Auto Insurance
Helpful Favorable Review
June
November 13th, 2024
I have had State Farm insurance for over sixty years. This company has always been there for me whenever I have been in an auto accident that was not my fault. Their guidance is great. I have complete coverage for my car.
Helpful Critical Review
Janessa P
February 29th, 2024
Logan, UT
DETAILS
Auto Insurance has been good and they have been helpful when we needed it. But, I have been unimpressed with their ability to listen and keep our information straight. They have called and asked to clarify the same thing over and over and it seems to be different employees calling to double check each time. We also asked them to stop sending us our statement every month in the mail but they still do. Their service has been great but their communication and listening has been a 3/10.
The Final Word
USAA and State Farm offer personal and rideshare car insurance. However, if you're looking for classic car or commercial auto insurance, you'll want to consider State Farm. USAA does not offer this kind of insurance.
Many of the discounts offered by USAA and State Farm are similar. However, there are a few differences. USAA focuses its services on military members, veterans, and their families, so it offers some unique discounts. These include discounts for storing your car on base and for your length of USAA membership.
State Farm stands out with its Drive Safe & Save™ program. Through this program, your driving will be monitored. After a set period, you'll receive a personalized rate based on your driving habits. This program can help you save and become a better driver.
Another important distinction between these two insurers is that USAA requires membership before being able to purchase its insurance products or use its financial services. USAA membership is limited to military members, veterans, and their families.
Unlike USAA, State Farm does not require membership. Anyone can apply for an insurance policy from State Farm.
It's hard to go wrong when choosing between USAA and State Farm. If you're part of the military, you may benefit more from USAA's discounts and specialized services. However, State Farm is also worth exploring further, particularly if you're interested in personalized rates or insuring a classic car.
