USAA vs. State Farm: Which offers the cheapest auto insurance rates?

USAA vs. State Farm: Which one is the cheapest?

USAA state minimum coverage costs an average of $335 annually, while State Farm costs $502.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, USAA costs an average of $1,381. State Farm costs more at an average of $1,984.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
State Farm	$1,984	$502	$651
USAA	$1,381	$335	$435

USAA vs. State Farm: Rates by age group

For teens—one of the most expensive age groups to insure–USAA has the lowest rates at $4,385 per year. State Farm costs more, averaging $5,368 for a teen driver.

Age plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.

For example, adults pay an average of $1,406 with USAA, while State Farm charges an average of $1,985 for an adult.

Age group	USAA	State Farm
Teens	$4,385	$5,368
Young adults	$2,159	$3,179
Adults	$1,406	$1,985
Seniors	$1,400	$1,858

USAA vs. State Farm: Rates for high-risk drivers

USAA offers the lowest rates for high-risk drivers. A high-risk driver has multiple speeding tickets, accidents, or a serious offense like a DUI, making affordable car insurance harder to get.

For drivers with a DUI, USAA offers more affordable rates, averaging $2,786.

Check the table below to compare USAA and State Farm rates.

Type of violation	USAA	State Farm
1 At-fault property damage accident over $2K	$2,075	$2,411
1 At-fault property damage accident under $2K	$2,066	$2,403
At-fault bodily injury accident	$2,133	$2,497
Careless driving	$1,834	$2,419
DUI	$2,786	$3,179
Reckless driving	$2,100	$3,037
Speeding	$1,680	$2,321

USAA vs. State Farm: Rates in your state

Insurance rates are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where USAA and State Farm offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.

State	State Farm	USAA
Alabama	$1,790	$1,458
Alaska	$1,713	$1,166
Arizona	$2,233	$1,581
Arkansas	$2,060	$1,090
California	$2,701	$1,827
Colorado	$1,950	$1,559
Connecticut	$1,733	$606
Delaware	$2,153	$1,463
Florida	$2,119	N/A
Georgia	$2,344	$1,562
Hawaii	$1,938	$1,067
Idaho	$1,120	$742
Illinois	$1,633	$1,745
Indiana	$1,616	$783
Iowa	$1,306	$1,165
Kansas	$1,976	$1,151
Kentucky	$2,753	$1,820
Louisiana	$3,570	$1,973
Maine	$1,262	$827
Maryland	$2,177	$1,043
Massachusetts	$689	$1,442
Michigan	$3,698	$1,514
Minnesota	$1,525	$1,382
Mississippi	$1,797	$1,320
Missouri	$2,072	$1,086
Montana	$1,858	$919
Nebraska	$2,344	$1,328
Nevada	$1,443	$1,672
New Hampshire	$1,155	$852
New Jersey	$2,153	N/A
New Mexico	$1,669	$1,054
New York	$1,951	$1,557
North Carolina	$1,180	N/A
North Dakota	$1,738	$826
Ohio	N/A	$994
Oklahoma	$1,861	$1,447
Oregon	$1,502	$1,277
Pennsylvania	$2,473	$1,806
Rhode Island	$1,319	$1,147
South Carolina	$2,106	$1,451
South Dakota	$2,096	$1,780
Tennessee	$1,677	$1,194
Texas	$1,956	$1,812
Utah	$2,175	$1,237
Vermont	$1,139	$803
Virginia	$1,479	$1,192
Washington	$1,794	$853
Washington, D.C.	$2,426	$1,230
West Virginia	$1,691	$1,189
Wisconsin	$2,378	$984
Wyoming	$1,521	$1,230

USAA vs. State Farm: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts USAA and State Farm offer to their customers.

Discounts	USAA	State Farm
Marital status	9%	N/A
Loyalty	5%	18%
Lower annual mileage	5%	10%
Days advanced purchase	5%	N/A
Multi policy	4%	10%
Safety devices	1%	4%
Electronic funds transfer	3%	N/A
Anti-theft device	3%	1%
Air bags	0%	2%
Homeowner	N/A	2%
Daily commute	N/A	2%
Telematics	N/A	13%

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

USAA vs. State Farm: The bottom line

Both USAA and State Farm are solid insurance companies, but if rates are what matter most to you, USAA may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: