USAA and State Farm are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, USAA offers the lowest insurance rates compared to State Farm.
To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.
Key takeaways
- The state minimum coverage for USAA is $312 per year, and State Farm offers state minimum coverage at $435 annually.
- The average full coverage cost for USAA is $1,280 per year, and $1,482 per year for State Farm.
- For customer service, both State Farm and USAA earned 4 out of 5 stars.
- Multi-vehicle, multi-policy, and safe driver are a few discounts USAA and State Farm offer.
USAA vs State Farm: Which one is the cheapest?
If price is what’s most important, USAA is likely going to be the better choice. USAA usually offers lower rates than State Farm. USAA offers full coverage insurance for an average of $1,280 per year and State Farm provides full coverage for $1,482 annually.
The cost of state minimum coverage from USAA is $312 per year and State Farm offers state minimum coverage for $435 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage |
|---|---|---|
| USAA | $1,280 | $312 |
| State Farm | $1,482 | $435 |
USAA vs State Farm: Rates by age group
USAA has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.
Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from USAA, as its rates are lower than State Farm. USAA offers insurance for teenagers at an average of $3,462 per year, whereas State Farm provides insurance to teen drivers for $3,624 annually.
| Age (group) | USAA | State Farm |
|---|---|---|
| Adults | $1,171 | $1,419 |
| Seniors | $1,169 | $1,343 |
| Teens | $3,462 | $3,624 |
| Young adults | $1,662 | $2,066 |
USAA vs State Farm: Rates for high-risk drivers
In our study we found that State Farm is an affordable insurer for most drivers than USAA. State Farm is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $1,922 and USAA's rates after a DUI/DWI offense is $2,264 per year.
When it comes to finding affordable rates for high-risk drivers, USAA and State Farm are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.
| Profile Value (group) | USAA | State Farm |
|---|---|---|
| 1 At-fault property damage accident over $2K | $1,634 | $1,676 |
| 1 At-fault property damage accident under $2K | $1,614 | $1,657 |
| At-fault bodily injury accident | $1,645 | $1,708 |
| Careless driving | $1,572 | $1,597 |
| DUI/DWI first offense | $2,264 | $1,922 |
| Reckless driving | $1,701 | $1,798 |
| Speeding | $1,425 | $1,610 |
USAA vs State Farm: Customer service and tech friendly
For customer service, USAA earned 4 stars out of 5, while State Farm earned 4 stars.
Which insurance company provides a better online experience? Both USAA and State Farm offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.
USAA vs State Farm: Which has better coverage options?
Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.
Both USAA and State Farm have a wide range of coverage options. Below table shows the different coverages offered by USAA and State Farm:
USAA vs State Farm: Which offers better discounts?
Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options USAA and State Farm offer to policyholders, and which carrier fits your needs.
