State Farm vs. USAA Car Insurance [2020]

Compare car insurance for State Farm vs USAA by looking at average rates and additional offerings. The average rates for State Farm are $227.62/mo vs USAA average rates of $207.46/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 25, 2021

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Here's what you need to know...

  • The average rates for State Farm are $227.62/mo vs USAA average rates of $207.46/mo.
  • USAA offers auto, home, life, and personal property insurance
  • State Farm also offers automobile and boat, home, life, and private property insurance
  • When comparing the two insurance companies, first prepare a list of what you need in a policy

Comparing State Farm with USAA Insurance is not an easy task. Both companies have many advantages and depending on your specific situation and needs, you will find one more suited than the other.

Read on to learn about some of the differences between USAA and State Farm.

Use the free tool on this page to compare car insurance quotes today!

United Services Automobile Association (USAA) Background

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USAA or the United Services Automobile Association offers auto, home, life, and personal property insurance.

USAA provides many services and financial products aside from insurance.

Their best offerings are mostly customer related:

  • They have been ranked one of BusinessWeek magazine’s “Top Two Customer Service Champs” for three consecutive years.
  • They offer lower rates than their competitors four out of five times, based on a countrywide survey of new customers.
  • Military discounts and additional benefits are offered for veterans and active military personnel.
  • USAA also offers a whole line of other financial services.

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Some of the various insurance and financial products that USAA offers include:

  • Credit cards
  • Free checking accounts
  • Free savings accounts
  • Loans
  • Investment opportunities

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State Farm Background

 image source

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State Farm also offers several different types of insurance including automobile and boat, home, life, and private property.

State Farm can combine several policies into one owner’s policy that includes all of your insurance needs.

Some of their advantages:

  • Rating – Excellent customer-rated auto insurance since 1922
  • Discount Double Check – for new customers; provides a double check of all discounts available for the policy in question to ensure the customer gets the lowest price possible
  • Pick Your Way to Pay program – allows you to pay online or by check, mail, or debit card or to choose lump sums or installment plans
  • Integrated State Farm Bank system – with all normal banking functions like loans, free checking, savings accounts, investment opportunities, and lending accounts

Deciding Between State Farm and USAA

When comparing the two insurance companies, first prepare a list of what you need in a policy.

List the things that are most important in your life, so you can see what needs to be covered. Then compare the aforementioned advantages to help decide which company will meet the majority of your needs.

Find an agent you are comfortable with to guide you through the process, as having an agent you can talk to makes everything easier. It also helps to do a little of your own research on basic policies and what to expect from each company.

Save yourself some time and money; compare not only State Farm with USAA but also many different companies by using our free tool!

References:

  1. https://www.statefarm.com/insurance
  2. https://www.usaa.com
  3. https://www.bizjournals.com/phoenix/stories/2008/02/18/daily45.html
  4. https://www.usaa.com/inet/wc/investing-main?wa_ref=pub_global_products_invest
  5. https://www.statefarm.com/insurance/auto/resources/low-auto-insurance-rates

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