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 and $500 deductibles for comprehensive and collision, USAA costs an average of $1,381 annually. State Farm is more expensive, with an average cost of $1,984.
It's always smart to compare quotes because prices and required coverage can change depending on your state and 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 cheapest rates, coming in at $4,385 per year. State Farm costs an average of $5,368 for a teen driver.
Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest - and therefore most expensive - age groups to insure. Rates drop as you get older.
For example, adults pay an average of $1,406 at USAA, while at State Farm the average rate for an adult is $1,985.
| 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 has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.
For the drivers with DUI, USAA is cheaper, with average rates of $2,786.
Take a look at the table below for USAA rates compared to 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 good insurance companies, but if cheaper rates are your top priority, USAA might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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