Farmers vs. USAA: Which Car Insurance Is Cheaper?
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UPDATED: May 25, 2021
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- USAA is available only to members of the military, veterans, and their immediate family members
- You can save 42% on car insurance for your teen driver by choosing USAA over Farmers
- Farmers has a wider variety of discounts, but USAA has some discounts as high as 90%
In our Farmers vs. USAA car insurance guide, we examine rates by your particular characteristics: age, gender, marital status, driving record, and credit score.
Which company will provide the best and cheapest car insurance for you?
We also compare discounts and ratings from credible agencies that rate Farmers vs. USAA car insurance companies.
USAA will have some of the best rates across the board but is available only to members of the military, veterans, and their immediate family members.
Keep reading to compare affordable Farmers vs. USAA car insurance quotes, or enter your ZIP code to compare multiple companies in your area.
Is Farmers car insurance or USAA car insurance cheaper based on age?
The older we get, the more driving experience we have. car insurance companies use age as one of the most influential factors in determining your car insurance rates.
It’s legal to base car insurance rates on marital status and gender in most states; however, some states have outlawed it. Let’s compare Farmers insurance and USAA insurance rates based on age, gender, and marital status.
|Age, Gender, and Marital Status||Farmers Average Annual Rates||USAA Average Annual Rates|
|Single 17-year-old female||$8,522||$4,808|
|Single 17-year-old male||$9,144||$5,386|
|Single 25-year-old female||$2,947||$1,989|
|Single 25-year-old male||$3,041||$2,126|
|Married 35-year-old female||$2,557||$1,551|
|Married 35-year-old male||$2,558||$1,540|
|Married 60-year-old female||$2,337||$1,450|
|Married 60-year-old male||$2,448||$1,449|
USAA is a much better option if you have a young driver in your household. You will save 42% with USAA to cover your teen driver.
When it comes to car insurance for drivers 25 and older, USAA is around 37% cheaper than Farmers.
Is Farmers car insurance or USAA car insurance cheaper based on driving record?
Speeding tickets, accidents, or DUIs on your driving record will raise your car insurance rates no matter what company you pick because you become a high-risk driver.
|Infraction||Farmers Average Annual Rates||USAA Average Annual Rates|
|With one speeding violation||$4,079||$2,193|
|With one accident||$4,519||$2,516|
|With one DUI||$4,719||$3,506|
Again, USAA will usually have the best rates, but it’s also important to take a closer look at how punitive each company is if you sign up with a clean driving record but then later get an infraction.
Farmers is not as punitive with current customers as USAA.
If you have a clean record now and choose Farmers, your rates would increase by only 18% if you got a speeding ticket, 31% if you caused an accident, and 36% if you got a DUI.
With USAA, your rates would increase by 13% if you got a speeding ticket, 30% if you caused an accident, and 81% if you got a DUI.
Is Farmers car insurance or USAA car insurance cheaper based on credit score?
A good credit score can drop in a matter of months if you experience some type of financial trauma such as medical debt or going through a divorce.
In most states it is legal for car insurance companies to base rates on your credit score; however, some are outlawing this along with basing rates on gender and marital status.
Based on the assumption that those with higher credit scores are more responsible and overall safer drivers less likely to file a claim, car insurance companies justify using your credit score to determine your rates.
Let’s take a look at how Farmers and USAA address rates for drivers with low credit scores.
|Credit Score||Farmers Average Annual Rates||USAA Average Annual Rates|
|Good Credit (670-739)||$3,677||$1,821|
|Fair Credit Score (580-669)||$3,899||$2,220|
|Poor Credit Score (300-579)||$4,864||$3,691|
No matter what your credit score is, your rates will be cheaper with USAA than with Farmers.
Once you are with Farmers, and your credit score drops, expect your car insurance rates to increase by 32% as compared to USAA which will more than double.
You may live in a state, such as California, where basing car insurance on credit score is illegal. Be sure to check out our car insurance by state page before judging Farmers vs. USAA car insurance rates based on credit score alone.
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Does Farmers or USAA have better car insurance discounts?
car insurance company discounts vary widely, and they are usually based on a company’s values and philosophy.
That’s why it pays to shop around, especially if you have a bad driving record or low credit score. Discounts can help offset high rates.
|Discounts||Farmers Discount Availability and Percentage||USAA Discount Availability and Percentage|
|Daytime Running Lights||yes||n/a|
When comparing discounts offered by either company, Farmers has a total of 35 car insurance discounts, but our data source doesn’t include the percentage of each discount. USAA has a total of 14 discounts.
USAA offers car insurance discounts between 10% and 75%, and the best discounts are for garaging your vehicle while deployed and also for teen drivers.
The discounts offered by car insurance companies often target specific types of drivers. When you call Farmers or USAA customer service, be sure to ask if there are any additional discounts.
What types of car insurance coverages are offered by Farmers and USAA?
Since both Farmers and USAA are two of the 10 companies that make up the most of the market share, they have the means to offer a wider variety of car insurance coverages that go beyond the standard six coverages which are listed below.
Be sure you understand the various car insurance coverage types before purchasing each one:
- Liability car insurance coverage – bodily injury and property damage
- Comprehensive car insurance coverage
- Collision car insurance coverage
- Uninsured/Underinsured car insurance coverage
- Medical Payments (MedPay) car insurance coverage – particularly important in states that require no-fault car insurance
- Personal Injury Protection (PIP) car insurance coverage
Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does Farmers or USAA have better mobile apps?
Usage-based car insurance has become an individualized trend in the last decade or so, and all of the bigger car insurance companies have a driving app that uses your mobile phone or a device installed into your auto.
Large car insurance companies also provide a more general app to enable you to view your policy, make changes, and pay your bill.
Usually, your Farmers insurance login or USAA insurance login will work with both the general app and the driving app.
How do Farmers and USAA car insurance compare in financial strength and customer satisfaction?
Buying car insurance is a big financial responsibility, so you want to make sure you are choosing the right company that will be there for you when you need it.
A company’s financial strength, customer satisfaction with USAA vs. Farmers insurance claims process, and customer complaints should be examined before you make your decision.
The following three agencies provide insight into these factors:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Farmers claims process and the USAA claims process, step by step.
In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
Let’s take a closer look at external ratings for Farmers and USAA.
|AM Best Rating||A||A++|
|NAIC Company Complaint Ratio||0.59||0.74|
|NAIC Total Complaints||7||296|
Both Farmers and USAA are highly rated when it comes to customer satisfaction with the claims process. Farmers has earned A from A.M. Best and USAA has earned an A++ which is the highest possible rating.
USAA, however, has a higher customer complaint ratio and a higher number of complaints overall.
Before you buy Farmers vs. USAA car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.
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