State Farm vs USAA
Side-by-side car insurance comparison based on rates across all available locations
State Farm
4.5Avg Monthly
$101/mo
Best Rate
$56/mo
Best For
Overall value
Top Discount
Multi-policy 17%
Founded
1922 · Bloomington, Illinois
Available In
50 locations
USAA
4.9Avg 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
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Pros & Cons
State Farm
Pros
- ✓Largest agent network in the US for local, in-person service
- ✓Consistently high customer satisfaction scores
- ✓Competitive rates for multi-policy bundles
- ✓Broad product range: auto, home, life, health, business
Cons
- ✗Premiums can be above average in some states
- ✗Digital tools lag behind online-first competitors
USAA
Detailed profile not yet available for USAA.
Which Should You Choose?
USAA is the cheaper option in 11 of 11 states where both insurers operate, saving an average of $17/month. State Farm is cheaper in 0 states.
USAA has a higher average customer rating (4.9/5) compared to State Farm (4.5/5). However, ratings can vary by state and coverage type.
State Farm is generally best for overall value, while USAA stands out for military families. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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