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
#6 USAA Auto Insurance
7.4 Overall Score
4.7
star star star star star_half
(363)
State Farm Auto Insurance logo verified_user
#4 State Farm Auto Insurance
8.2 Overall Score
4.3
star star star star star_half
(557)

Overview

USAA Auto Insurance

Time in Business

99 Years

State Farm Auto Insurance

99 Years

Ratings

USAA Auto Insurance

Overall Score
7.4 of 10
Review Score
4.7
star star star star star_half
Value for Money
3.9
star star star star_half star_border
Quality of Product or Service
4.0
star star star star star_border
Company Trustworthiness
4.0
star star star star star_border
Likely to Recommend
9.3 of 10

State Farm Auto Insurance

8.2 of 10
4.3
star star star star star_half
3.7
star star star star_half star_border
4.0
star star star star star_border
4.0
star star star star star_border
8.1 of 10

Reviews

USAA Auto Insurance

Number of Reviews
363
Review Breakdown
4.7
star star star star star_half
5 star
84%
4 star
10%
3 star
2%
2 star
1%
1 star
2%

State Farm Auto Insurance

557
4.3
star star star star star_half
5 star
57%
4 star
24%
3 star
11%
2 star
4%
1 star
5%

Reviews for USAA Auto Insurance

Helpful Favorable Review

star star star star star

Mel L Canton, OH

When my mom got in her accident USAA was awesome. As soon as she hung up enterprise called her about her car rental. Then USAA took care of everything, even calling the GAP insurance company. All she had to do was get her things out of the car and pick up the rental car and the. Buy a new car when the insurance money came in. I wish all the insurance companies were like that.

1 month ago

Helpful Critical Review

star star star_border star_border star_border

Caloway Salt Lake City, UT

USAA Auto Insurance has the cheapest rates that I have found anywhere. The competition does not come close. However, they are very hard to deal with. I was in an accident a year ago and it was hard working with them and trying to get everything sorted so that I could get my car fixed. They tried many times to tell only half truths so that the process would move forward, only to their benefit.

3 months ago

Reviews for State Farm Auto Insurance

Helpful Favorable Review

star star star star_border star_border

Brian DeVos Boiling Springs, SC

Coverage is very good, but after being a customer for 30 years, they raised our rates and dropped my teenage daughter. She had no claims, but 1 year after accepting her for coverage they went back 15 years on us as parents and penalized her for us having windshield claims and a couple other comprehensive coverage claims that had nothing to do with her. The rates are good but that is because they only want paying clients without claims.

1 month ago

Helpful Critical Review

star star star_border star_border star_border

J Highness ,

The service was great to get the insurance. Quote was great i got a good deal. The person i talked to was decently helpful and super nice. Only thing that i didnt like was that they got some wrong information on someone i had on my in say which caused then to cancel my insurance.

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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