USAA vs. State Farm: Which one is the cheapest?
USAA costs an average of $335, while State Farm has average rates for state minimum coverage of $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 car insurance |
|---|---|---|---|
| USAA | $1,381 | $335 | $435 |
| State Farm | $1,984 | $502 | $651 |
USAA vs. State Farm: Rates by age group
For a teen – 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’s rates compared to State Farm’s 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 vary from state to state. Carriers factor in data from your region and ZIP code, including weather, crime and traffic trends to calculate risk. The table below shows where you’ll find the cheapest rates for USAA and State Farm. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.
| 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 |
N/A represents data is not available.
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 - Years Renewal With Company | 5% | 18% |
| Lower Annual Mileage | 5% | 10% |
| Days Advanced Purchase | 5% | N/A |
| Days Per Week Driven | N/A | 4% |
| Multi Policy | 4% | 10% |
| Safety Devices | 1% | 4% |
| Years Licensed | 30% | 18% |
| Electronic Funds Transfer | 3% | N/A |
| Anti-Theft Device | 3% | 1% |
| Air Bags | 0% | 2% |
| Daily Commute | N/A | 2% |
| Homeowner | N/A | 2% |
| Primary Use | 15% | 12% |
| Telematics | N/A | 13% |
| Years Insured | 12% | N/A |
N/A represents data is not available.
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
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 with 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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