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Written by: Daniel Robinson Written by: Daniel Robinson Author Daniel is a guide team writer and writer for several automotive news sites and marketing firms in the US, UK and Australia specializing in auto finance and car care topics. Danielle is a Guide Team authority on auto insurance, loans, warranty options, auto service and more.
Usaa Auto Insurance Quote Calculator
Edited by: Rashawn Michner Editing by: Rashawn Michner Managing Editor Rashawn Michner is a guide team editor with over 10 years of experience covering personal guide and insurance topics.
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In general, when it comes to USAA vs. State Farm for auto insurance, drivers really can’t go wrong. Providers earned the top two spots among best car insurance companies in our 2022 industry-wide insurance study, receiving high marks in every scoring category.
The Guide team took an in-depth look at each company’s reputation, rates, coverage and customer service to see how USAA and State Farm compare. To help you decide, our team will break down the differences between the two providers
USAA Insurance Review State Farm Insurance Review Car Insurance Best Car Insurance Companies Compare the average cost of car insurance.
The Guide team is committed to providing reliable information to help you make the best decision about insuring your vehicle Because consumers rely on us to provide objective and accurate information, we’ve created a comprehensive rating system to form our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a variety of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with insurers scoring the most points.
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When comparing USAA vs. State Farm, we found that both providers have a lot to offer policyholders. In many cases, USAA offers cheaper average rates than State Farm However, USAA auto insurance is only available to military members, veterans and their families, meaning those lower rates aren’t available to everyone. State Farm, on the other hand, is open to anyone in every state except Massachusetts and Rhode Island and claims an extensive network of insurance offices and local agents.
Our team uses a standardized methodology to score providers based on over 70 factors You can compare USAA vs. State Farm scores in the table below
USA name is United Services Automobile Association The Provider offers its insurance products and other services only to active, reserved and retired military personnel and their family members.
As an insurance provider, USAA consistently scores at the top of insurance studies such as J.D. Power. Insurers also tend to offer cheaper rates for different driver profiles
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State Farm is the nation’s largest insurer, owning 15.93% of the total auto insurance market in 2021, according to data from the National Association of Insurance Commissioners (NAIC). In 2021, the company wrote more than $41.6 billion in premiums.
As a provider, State Farm offers a strong selection of affordable rates and discounts for most drivers nationwide. The company proudly claims to have more than 19,000 local insurance agents across the country, meaning people can get personalized service in most locations.
USAA and State Farm offer the same standard coverage options you’ll find anywhere else, including liability, property and medical coverage.
Both providers also offer a similar selection of additional coverage options However, USAA offers some coverage that State Farm does not
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For example, USAA offers car replacement assistance coverage, which pays an additional 20% of the cash value of your vehicle at a total loss. USAA Guaranty also offers property protection coverage, also known as vacancy insurance State Farm does not provide any of these options However, while USAA offers glass coverage as an add-on, State Farm includes glass claims in its comprehensive coverage policy.
*Note: All estimates are for full-coverage insurance and are based on a standard profile of a 35-year-old driver with a proven driving record and good credit history.
When it comes to the cost of coverage, USAA tends to offer cheaper car insurance rates than State Farm in many cases – but not all. Drivers can get cheaper premiums through state firms for driving under the influence (DUI) or speeding tickets on their record.
As you can see from the table above, car insurance rates can vary greatly depending on a few variables The following factors have the greatest impact on the cost of your auto insurance policy:
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Both USAA and State Farm offer a good selection of auto insurance discounts Both providers offer general discounts such as your homeowner’s insurance, life insurance, renter’s insurance or other insurance products with your auto coverage.
USAA offers certain discounts for military personnel that State Farm does not, while State Farm offers some driver-safety related discounts that USAA does not.
Car insurance discounts can sometimes vary by location Ask an insurance agent about all the discount options available to you before signing up for your policy.
Both USAA and State Farm have usage-based insurance (UBI) programs that offer discounts for safe drivers. UBI programs collect vehicle telematics data from your cell phone or other technology to monitor driving habits such as speeding, acceleration and hard braking. Safe driving habits can give consumers a discount on their insurance
Usaa 2022 Annual Report To Members
SafePilot from USAA is available in all states except California, Delaware, Indiana, Massachusetts, New Jersey, New York, North Carolina, Vermont and Wisconsin.
Drive Safe and Save Safe are more available than Pilot from State Farm Drivers in all states but California, Massachusetts and Rhode Island can participate in the program. Availability may be limited for drivers in North Carolina
In our 2022 Insurance Study, both providers earned top scores for customer satisfaction. These scores are based on a combination of industry ratings and customer review scores
In the J.D. Power Insurance Shopping Study, both USAA and State Farm scored above the industry average. In the 2022 study, USAA received 875 out of a possible 1,000 points, while State Farm scored 885. Both insurers also fared well in J.D. Power’s 2022 US Auto Claims Satisfaction Survey, with USAA scoring the highest at 909. And State Farm ranked with an average of 892 points
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According to 2021 NAIC data, USAA’s complaint index for domestic passenger insurance is 1.06. This is slightly higher than the national average for an insurer of its size, which is 1.0. To is normalized On the other hand, State Farm has a complaint index of 0.67, meaning it has received fewer complaints than the national average.
USA and State Farm both scored low from consumers on the BB website. However, this is to be expected, as consumers only go to the BBB when they want to report a problem or frustration Both providers’ scores are relatively normal for the industry
In the table below, you’ll find customer ratings for USAA and State Farm for both companies and their mobile apps, which play an important role in the customer experience for auto insurance.
When comparing USAA vs. State Farm, our team found both to be better providers Drivers can get affordable prices and high quality customer service all at once
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Outside of certain optional coverages, the primary difference between the two providers is accessibility. USAA insurance is only available to military members and their families, meaning most people will not be able to get coverage from the company
We recommend both USAA and State Farm Although, both tend to offer lower rates, they may not offer you the cheapest car insurance
It is best to get insurance quotes from several providers, so you can compare car insurance options The following providers also landed at the top of our 2022 list of the best car insurance companies
For drivers who want to be as selective as possible when building their car insurance policy, travel is a good place to start. In our insurance review, our team found that providers offer one of the largest sets of coverage options in the country Most drivers should be able to find the coverage they want with travelers
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Affordability is usually top of mind for most car insurance shoppers, and Geo is consistently among the cheapest options for many driver profiles. With a great selection of discounts to help lower that rate even further, it’s a good idea to get a quote from Geoco when shopping for car insurance.
Generally, state farms are good at paying claims The company scored 892 out of a possible 1,000 points in the JD Power Auto Claims Satisfaction Study, ranking it sixth among providers in the study.
USAA is more expensive than State Farm for certain
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