USAA vs. Farmers

Compare car insurance for USAA vs Farmers by looking at average rates and reviews. The average rates for USAA are $207.46/mo vs Farmers average rates of $325.66/mo. Both have excellent reviews and are reputable companies.

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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 26, 2021

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Here's what you need to know...

  • Both companies offer comprehensive car, home, and business insurance plans
  • USAA and Farmers Insurance Group usually have pretty good reviews in comparison to other insurance companies of the same caliber
  • USAA might be better for motorcycle or auto insurance
  • Farmers will probably be a better option for home insurance
  • Car insurance rates can vary widely from one city to the next and from one family to the next

Which is better: USAA car insurance or Farmers car insurance?

USAA and Farmers Insurance Group were founded around the same time. USAA — formed in 1922 — predates Farmers Insurance Group by a mere six years.

Both companies offer comprehensive car, home, and business insurance plans, but USAA’s website is easier to navigate.

USAA makes the claim that they have lower rates than Farmers Insurance group.

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Pros and Cons for Both Companies

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Surprisingly, Farmers Insurance Group has auto and home insurance plans for about 75 dollars cheaper. USAA’s website is still easier to read and asks with every step if you need help from the automated system or if you want a toll-free support number. USAA offers a live, internet chat with an online consultant, 24/7.

Although their website is impressive, their prices are a bit higher than Farmers for auto and home insurance in Seattle, Washington, though this might look different for people in other areas of the country.

USAA has a long history of customer satisfaction, which gives them a slight edge over Farmers to most people. But it is rumored that USAA has the tendency to jack up rates at the last minute and also charge higher premiums (600-700 more dollars per year, in comparison to Farmers).

There have been many horror stories from customers who were former clients of both companies, but USAA and Farmers Insurance Group usually have pretty good reviews in comparison to other insurance companies of the same caliber.

Farmers Insurance Group offers a one-percent hail and windstorm deductible, while USAA does not cover wind or hail storm damage.

Generally, USAA has the better car and motorcycle insurance plans with more accident forgiveness and lower rates.

Farmers Insurance Group tends to have better reviews from people looking for good home insurers, and they offer a comprehensive “All Disaster” plan for a flat, non-adjustable rate.

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If you’re in the business for a home insurance plan, it sounds like Farmers Insurance Group, as opposed to USAA, is going to be the one for you.

If you’re looking for motorcycle or auto insurance, USAA might be the insurance company that would suit you best, due to their cheaper prices and lenient forgiveness plans. (Either way, be sure to read the USAA car insurance review and the Farmers car insurance review to get more specifics.)

Both companies have had excellent reviews, and USAA and Farmers Insurance Group are both compassionate and reputable companies.

Make sure you take a look at localized quotes because the prices could change around your neck of the woods.

USAA could end up having better home insurance rates if you lived in, say, Texas.

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Rates by City

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Here is a comprehensive list of which company has better overall rates:

  • Seattle – Farmers Insurance Group
  • Dallas – Farmers Insurance Group
  • Boston – USAA
  • Nashville – Farmers Insurance Group
  • Austin – USAA
  • Portland – USAA
  • Los Angeles – USAA
  • San Francisco – USAA
  • Hollywood – USAA
  • New York – USAA
  • Miami – Farmers Insurance Group
  • Oklahoma City – USAA

Any other high-population city should check the quotes because most of the other major cities have comparable prices.

Remember, car insurance rates can vary widely from one city to the next and from one family to the next simply because of the different ways that Farmers, USAA, and other auto insurers determine their rates.

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References:

  1. https://www.farmers.com/about/
    -us/
  2. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true
  3. https://www.usaa.com/inet/pages/insurance_motorcycle?akredirect=true
  4. https://www3.ambest.com/ambv/bestnews/presscontent.aspx?altsrc=9&refnum=23462
  5. https://www3.ambest.com/ambv/bestnews/presscontent.aspx?altsrc=9&refnum=23177

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