Which insurance company is right for you? Compare ratings, products, and quotes from State Farm and USAA.
State Farm was founded in 1922 by George Jacob “G.J.” Mecherle, a retired farmer and insurance salesman. The code of conduct for the company has always been “to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.” From the start, the company was branded as being “Like a good neighbor” and for “being there” for all State Farm customers. Fittingly, the State Farm agent in the television commercials is Patrick Minnis, a real State Farm insurance agent from Tempe, AZ. In 1971, Barry Manilow wrote the famous State Farm jingle that cemented the company’s brand as a helpful neighbor and Weezer covered the famous jingle in 2011.
USAA is an organization founded by military members for military members and their families. USAA was founded in the 1920s, during a time of social and political change. In San Antonio, Texas, 25 army officers met to insure each other’s vehicles and named William Garrison as the first president. This tiny group of men would later turn into one of the largest insurance companies, serving millions of members and becoming a fully integrated financial services organization. In 2010, USAA opened financial centers throughout the country while partnering with hundreds of UPS stores to service members. In 2011, USAA became the official Military Appreciation Sponsor of the National Football League. In 2016, they were the first bank to offer mobile app check deposits for visually impaired members. By 2017, USAA had 12 million members and a net worth of $31 billion.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit State Farm Overview and USAA Overview.
Below is a list of the average rates that drivers typically pay with State Farm and USAA. On average, State Farm charges approximately $144.52 per month while USAA comes in at around $119.42 per month. For State Farm, the cheapest state average is Massachusetts at $64.93 per month and the most expensive is Michigan at $240.60 per month. For USAA, the cheapest state average is Maine at $66.11 per month and the most expensive is Pennsylvania at $177.61 per month.
|District of Columbia||$154.87||$122.32|
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that State Farm and USAA typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||State Farm||USAA|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average State Farm charges $151.13 per month and USAA charges $124.00 per month for customers who own their home.
Which car insurance company is better? We've made it easy to compare companies side by side. See how State Farm and USAA ranked among the industry ratings.
|A.M. Best Rating||A++|
|JD Power Ranking||About Average||Among the best|
|NAIC Complaint Index||2.58||1.01|
What coverage is available through State Farm and USAA? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Life, Motorcycle, Renters, and RV insurance. Additional products from USAA insurance also includes Farm, Pet, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit State Farm and USAA Insurance page.
State Farm offers a wide range of discounts to its policyholders, including Anti-theft, Defensive Driving, and Good Driving discounts. However, USAA also offers a few discounts that State Farm doesn’t, including Premier Driver, New Vehicle, and Multi-policy discounts. Start taking advantage of discounts offered by insurance providers like USAA and State Farm insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Accident-Free Discount||Annual Mileage|
|Anti-theft Discount||Automatic Payments Discount|
|Defensive Driving Discount||Defensive Driving Course Discount|
|Good Driving Discount||Discount for Driving Research (telematics)|
|Multiple Auto Discount||Driver Training Course Discount|
|Multiple Line Discount||Family Discount|
|Passive Restraint Discount||Good Student Discount|
|Safe Driver Discounts||Military Installation|
|Student Away at School Discount||Multi-policy Discount|
|Vehicle Safety Discount||New Vehicle Discount|
|Premier Driver Discount|
The State Farm Mobile app is available for iOS and Android. This award-winning mobile app can help manage insurance and banking accounts, request roadside service, file and track claims and pay bills.
The USAA Mobile app is available for iOS and Android. It gives users convenient and secure access to their accounts to manage finances, investments, insurance and more.
|State Farm Mobile App|
|iOS||4.8||15K user reviews|
|Android||4.1||16K user reviews|
|USAA Mobile App|
|iOS||4.8||432K user reviews|
|Android||4.6||125K user reviews|
|State Farm Contact Info|
|Address||One State Farm Plaza, Bloomington, IL 61710|
|USAA Contact Info|
|Address||9800 Fredericksburg Rd., San Antonio, TX 78288|
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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