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
#1 USAA Auto Insurance
7.6 Overall Score
4.7
star star star star star_half
(457)
State Farm Auto Insurance logo
#8 State Farm Auto Insurance
6.8 Overall Score
4.3
star star star star star_half
(719)

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
7.6 of 10
Review Score
4.7
star star star star star_half
Value for Money
4.7
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

6.8 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
8.3 of 10

Reviews

USAA Auto Insurance

Number of Reviews
457
Review Breakdown
4.7
star star star star star_half
1 star
3%
2 star
2%
3 star
3%
4 star
10%
5 star
82%

State Farm Auto Insurance

719
4.3
star star star star star_half
1 star
5%
2 star
4%
3 star
10%
4 star
23%
5 star
59%

Reviews for USAA Auto Insurance

Helpful Favorable Review

star star star star star

Dkn

November 22nd, 2022

DETAILS

They are great to work with and do a great job keeping you in the loop. This is the best insurance company I have ever had. The only one that I have ever had that seems to actually care about taking care of the customer.

Helpful Critical Review

star star_border star_border star_border star_border

melissa sorensen

January 21st, 2022

check_circle

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

star star star star star

Tabitha Norman

November 1st, 2022

DETAILS

I've had state farm as long as I've been driving. Love My agent Eric in the willard oh office. Very friendly always goes above and beyond. When I've been in accidents caused by others he was quick to get a claim started and help me get in a rental right away. Best auto insurance by far.

Helpful Critical Review

star star star_border star_border star_border

Life of Frog

October 17th, 2022

DETAILS

Beware, they are the most expensive auto insurance company in the country. They WILL drop you as a customer after your first claim. Agents won't even consider letting you stay on as a customer if you have made a claim on your policy and they paid it out. You'll be dropped and forced to find another insurance company. Had State Farm for several years, my car was totaled when a drunk driver hit my car and injured me. Because I have full coverage loan payoff, SF had to pay my car loan off and then they dropped me as a customer even though the accident wasn't my fault.

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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