USAA and State Farm Auto Insurance Rates and Coverage
Auto Insurance Quote USAA offers less expensive auto insurance policies than State Farm to eligible drivers. In fact, USAA is considered the cheapest major insurance company in the United States. So it’s generally cheaper than almost any insurance company, not just State Farm.
Most Affordable for Most Drivers: USAA
USAA offers lower rates than State Farm for minimum and full auto insurance.
However, both insurers are less expensive than the national average.
USAA’s minimum coverage policy costs an average of $432 per year or $36 per month. That’s $100 less per year than State Farm’s equivalent coverage and 55% less than the average.
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drivers also pay less for full USAA auto insurance. $143 less per year than State Farm and 53% less than the national average.
Cheapest for drivers with prior accidents: USAA
Drivers with speeding tickets, negligent collisions or DUI pay less than State Farm for USAA auto insurance.
USAA auto insurance is fairly affordable for DUI offenders. The full coverage policy is $2,222 per year, 38% less than State Farm.
USAA is cheaper overall, but State Farm estimates are fairly similar after one speeding ticket or crash. Drivers with USAA insurance pay 1% less after discharge and 3% less after a negligent accident than drivers who choose State Farm.
Cheapest Insurance for Young Drivers: USAA
Young drivers can also find cheaper car insurance at USAA than at State Farm.
On average, 18-year-old drivers can expect a 27% discount on USAA insurance. This is the difference between $482/year for minimum coverage and $789/year for full coverage.
Younger drivers with speeding tickets or erroneous accidents may also receive lower rates from USAA. USAA’s minimum coverage policy is 28% cheaper than State Farm’s equivalent coverage for these drivers.
Minimum Coverage $1,607 $1,125 Speeding Fine $1,815 $1,312 Accident $1,989 $1,432 Full Coverage $3,629 $2,840 State Farm Vs.
USAA Auto Insurance Rates by State
USAA generally has lower rates than State Farm, but there are some states where drivers can find cheaper products at State Farm.
Of the 42 states for which data is available from both insurers, USAA offers lower rates in 27 states while State Farm offers lower rates in 15 states. $2,383 less per year than State Farm. State Farm, on the other hand, is $592 less per year than Pennsylvania’s USAA.
State Farm car insurance discounts
USAA and State Farm offer all of the standard discounts that most auto insurance companies do.
State Farm has a slight advantage over USAA in terms of discounts because its discounts are useful to more customers. However, active-duty service members may find the discounts available from USAA to be more useful.
Accident-freeDriver training coursePassive restraintSteer ClearStudent away at school
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This list is not exhaustive, as available discounts may differ depending on where you live. Whether you shop with USAA or State Farm, always talk to your insurance agent about what discounts you could qualify for, and take advantage of all of them if you do purchase a policy.
State Farm Discounts
State Farm offers six discounts not offered by USAA, three of which can help young drivers and their families save money on auto insurance.
Young drivers under the age of 21 can take driving courses and receive discounts.
Drivers under the age of 25 with no traffic violations or negligent accidents can receive a discount by completing the Steer Clear program.
Off-campus students and families who share the policy may receive a discount if the car is in the home garage.
USAA offers 4 discounts not available at State Farm.
Car storage discounts can save you up to 15% on your insurance premiums by storing your car in a military garage. With the
placement discount, you can save up to 60% on your insurance premiums when your vehicle is out of use and stored in a safe location.
If your parents have USAA insurance, you can get a family discount of up to 10%.
Drivers of new vehicles less than three years old receive a discount.
State Farm car insurance coverage options
As two of the biggest insurers in the country, USAA and State Farm offer all the basic coverages you would typically see in an auto insurance policy. In addition, both insurers have a number of common coverage add-ons, like roadside assistance, rental car reimbursement and rideshare insurance.
Two main differences between the coverages available are State Farm’s nonowners insurance and USAA’s car replacement insurance.
State Farm auto insurance coverages
State Farm only offers one type of coverage not available from USAA: nonowners insurance. This coverage protects drivers who don’t own a vehicle but borrow a car often to drive, or drivers who need to file an SR-22 without a vehicle.