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
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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
Tammy
July 17th, 2023
Snellville, GA
DETAILS
USAA has been the best auto insurer I've ever had. Their customer service and response time is amazing as well as their genuine confirm for you, their customer. Not to mention the price difference from your regular insurance companies. I am a fan for life.
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
Ilene Metrick
October 31st, 2023
DETAILS
I had been with state farm for over 40 years. We had them whe we lived in NY and stayed with them when we moved to PA. Their rates were very good and their service was dependable. I also felt they were professional whenever I had to call and ask a question I was always given an answer which was very helpful. My friends had had other insurance companies and they were not satisfied. We have 2 cars and our home insurance with State Farm
Helpful Critical Review
Jeri Bryant
September 21st, 2023
I experienced state farm for the first time last year when they beat my existing company in pricing for my auto insurance but sadely they increase my insurance when it was time to renew with no fault of myown to by 38 dollars monthly. When asked why the change and if it could go down they said it was due to the climit of the country. Why should I eat the cost for issues across the country. I always thought they were high but now I know I was right. very disappointed.
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.
