Farmers vs USAA

Side-by-side car insurance comparison based on rates across all available locations

Farmers

Avg Monthly

$109/mo

Best Rate

$62/mo

Best For

Rural coverage

Top Discount

Good student 20%

Available In

14 locations

Lower Avg Rate

USAA

4.9

Avg Monthly

$94/mo

Best Rate

$50/mo

Best For

Military families

Top Discount

Loyalty 10%

Available In

11 locations

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Rate Comparison by State

Farmers cheaper: 0USAA cheaper: 5


Wyoming	$62/mo	$50/mo	USAA saves $12/mo
Idaho	$76/mo	$60/mo	USAA saves $16/mo
New Mexico	$136/mo	$92/mo	USAA saves $44/mo
Arizona	$142/mo	$88/mo	USAA saves $54/mo
Texas	$155/mo	$98/mo	USAA saves $57/mo

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Which Should You Choose?

USAA is the cheaper option in 5 of 5 states where both insurers operate, saving an average of $37/month. Farmers is cheaper in 0 states.

USAA has a higher average customer rating (4.9/5) compared to Farmers (4/5). However, ratings can vary by state and coverage type.

Farmers is generally best for rural coverage, while USAA stands out for military families. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a Farmers Quote Get a USAA Quote

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Farmers vs USAA — FAQs

Is Farmers cheaper than USAA?

USAA is cheaper in 5 of 5 states where both operate. However, rates vary by location, so Farmers may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Farmers or USAA?

Farmers has an average rating of 4/5, while USAA averages 4.9/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Farmers offer vs USAA?

Farmers's top discount is "Good student 20%", while USAA offers "Loyalty 10%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Farmers to USAA?

Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Farmers and USAA to compare rates for your specific situation.

Which is better for my state?

It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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