USAA Auto Insurance vs State Farm Auto Insurance

Alice Stevens
Alice Stevens | Senior Editor

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.

USAA Auto Insurance logo verified_user
#7 USAA Auto Insurance
7.3 Overall Score
4.7
star star star star star_half
(408)
State Farm Auto Insurance logo verified_user
#4 State Farm Auto Insurance
8.2 Overall Score
4.3
star star star star star_half
(648)

Overview

USAA Auto Insurance

Time in Business

99 Years

State Farm Auto Insurance

99 Years

Ratings

USAA Auto Insurance

Overall Score
7.3 of 10
Review Score
4.7
star star star star star_half
Value for Money
4.6
star star star star star_half
Quality of Product or Service
4.7
star star star star star_half
Company Trustworthiness
4.7
star star star star star_half
Likely to Recommend
9.3 of 10

State Farm Auto Insurance

8.2 of 10
4.3
star star star star star_half
4.0
star star star star star_border
4.3
star star star star star_half
4.3
star star star star star_half
8.2 of 10

Reviews

USAA Auto Insurance

Number of Reviews
408
Review Breakdown
4.7
star star star star star_half
5 star
82%
4 star
10%
3 star
3%
2 star
2%
1 star
3%

State Farm Auto Insurance

648
4.3
star star star star star_half
5 star
58%
4 star
23%
3 star
10%
2 star
4%
1 star
5%

Reviews for USAA Auto Insurance

Helpful Favorable Review

star star star star star

Gabe Burton Riverton, UT

The payment is pretty cheap considering all they cover. I like that you can access all your insurance info on your phone, and the one time I had to call customer support, they were super understanding and helped me through my first claim

1 week ago

Helpful Critical Review

check_circle

Review Source

star star star_border star_border star_border

Trojan 75 Clearwater, FL

When we moved from California to Florida, it was our intent to keep the family tradition of staying with USAA...but once we got here, something happened. Prices skyrocketed (without a suitable explanation) and customer service got rather arrogant and, if I may say, snarky. Just had never seen it before, but we did and yes, a change was made.

1 month ago

Reviews for State Farm Auto Insurance

Helpful Favorable Review

check_circle

Review Source

star star star star star

Fred Van Liew Carrollton, TX

We have been with State Farm for our Autos and Home insurance. I love that they don't nickel and dime legitimate damages, and they reject false claims that then make possible their outstanding service. We have been with them so long that we have had to use their services multiple times. Always extraordinary. Love our agent and love the back up from State Farm.

2 days ago

Helpful Critical Review

check_circle

Review Source

star star star_border star_border star_border

Cara Velez Orlando, FL

I was with State Farm since I was 18. Their rates kept increasing each year. It was insane the way that I never had claims or any tickets. Customer service was always good but I left after 22 years. Found cheaper rates else where.

2 months ago

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.

Top Choice

State Farm Auto Insurance Logo
State Farm Auto Insurance

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