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.

USAA Auto Insurance logo verified_user
#1 USAA Auto Insurance
9.4 Overall Score
4.7
star star star star star_half
(453)
State Farm Auto Insurance logo verified_user
#6 State Farm Auto Insurance
8.7 Overall Score
4.3
star star star star star_half
(712)

Overview

USAA Auto Insurance

A.M. Best Financial Strength Rating

N/A

Customer Service Options

Phone, Live Chat, Email, In-Person

Time in Business

Undisclosed

State Farm Auto Insurance

N/A

Phone, Live Chat, Email, In-Person

Undisclosed

Ratings

USAA Auto Insurance

Overall Score
9.4 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

8.7 of 10
4.3
star star star star star_half
4.1
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
453
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

712
4.3
star star star star star_half
5 star
59%
4 star
23%
3 star
10%
2 star
4%
1 star
5%

Reviews for USAA Auto Insurance

Helpful Favorable Review

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Review Source

star star star star star

Elizabeth Havana, FL

I have used USAA for many years. I have not had to use it much, but once my car was damaged due to a hurricane and I was still evacuated in another state. A representative was able to go in person to check on my car and evaluate any damages.

2 months ago

Helpful Critical Review

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Review Source

star star_border star_border star_border star_border

melissa sorensen Spanish Fork, UT

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.

4 months ago

Reviews for State Farm Auto Insurance

Helpful Favorable Review

star star star star_border star_border

James Richards Los Angeles, CA

About 30 years ago I had a car wreck which wasn't my fault. Other people hadn't insurance, and state farm stepped in and settled withe lawsuit and took care my hospital bills and even granted money so I was able to buy a new car.

1 month ago

Helpful Critical Review

star star_border star_border star_border star_border

Andrew Sandy, UT

My wife totaled her car and the process we had to go through was a huge hassle. no one knew what was going on at our local agent and we are still out money for damages to cargo that was in the vehicle. Ive had other companies and all I did was make one phone call and everything was taken care of. with state farm it was like we had to hold their hand through each step and make sure they followed through.

3 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

USAA Auto Insurance Logo
USAA Auto Insurance

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