Farmers vs. USAA Auto Insurance in 2025

 

Comparing Farmers vs. USAA auto insurance shows USAA is often more affordable and has higher customer satisfaction.

Farmers vs. USAA Auto Insurance Rating

USAA may offer the cheapest car insurance, but not everyone qualifies for USAA membership. If you don’t qualify, Farmers will be a better option.

While USAA has a lot of benefits, Farmers has more coverage options. For example, Farmers offers gap insurance, while USAA does not.

Read on to compare USAA insurance with Farmers to see which provider is the best choice for you. Then, enter your ZIP code into our free comparison tool to see personalized rates in your area.

Farmers vs. USAA Auto Insurance Rates

A USAA quote for auto insurance is typically one of the most affordable options drivers will find, while Farmers’ rates are average. However, you can only purchase USAA car insurance if you meet the membership requirements. To be a USAA member, you’ll need to be either an active or retired military member or a direct family member.

If you don’t qualify for USAA membership, you can still shop with Farmers. Farmers isn’t as cheap, but it still has affordable rates. Check below to see how much you might pay at either USAA or Farmers.

Farmers vs. USAA Auto Insurance: Monthly Full Coverage Rates

As you can see, USAA offers lower rates to every age bracket. That’s particularly true for teens and younger drivers.

When it comes to auto insurance rates, USAA is hard to beat. For most drivers, USAA auto insurance quotes are the cheapest on the market.

When you’re trying to figure out how to buy auto insurance, comparing quotes is your best option to find affordable rates. You can visit USAA and Farmers’ websites and fill out their quote request form to see personalized rates.

If you don’t want to take the time to fill out applications, you can always enter your ZIP code into our free comparison tool to see multiple quotes at once.

Farmers vs. USAA Auto Insurance Rates by Driving Record

While many factors affect your Farmers and USAA auto insurance quotes, one of the most important is your driving record. Drivers with a clean record can pay half as much for car insurance compared to people with accidents, speeding tickets, and DUIs.

Check below to see how USAA and Farmers compare when it comes to your driving record.

Keeping your driving record clean is crucial to keep your rates low. If you have bad marks on your driving record, they’ll eventually fall off as long as you don’t get additional violations.

In addition to higher rates, you’ll also likely need SR-22 insurance to keep driving for a few years.

Read more: Is it bad to cancel your auto insurance?

Farmers vs. USAA Auto Insurance Options

As two of the largest insurance companies in the country, you can get a Farmers or USAA car insurance quote with a variety of coverage options. These include the following basic types of coverage:

• Liability Insurance: Purchase liability auto insurance to ensure you can pay for any damages or injuries you cause in an at-fault accident.
• Collision Insurance: Collision auto insurance covers your vehicle after an accident, no matter who is at fault.
• Comprehensive Insurance: If you want protection from unexpected events like fire and theft, you need comprehensive auto insurance.
• Uninsured/Underinsured Motorist: Uninsured/underinsured motorist insurance protects you against drivers without enough coverage.
• Medical Payments/Personal Injury Protection: Get either medical payments or personal injury protection insurance so your health care costs are always covered.

These basic types of insurance offer everything you need for either a minimum or full coverage policy. If you want additional coverage, both Farmers and USAA offer these add-ons:

• Rideshare Insurance: If you drive for a rideshare company like Uber or Lyft, rideshare insurance will protect you while you work.
• Accident Forgiveness: To prevent your rates from increasing after your first accident, USAA and Farmers offer accident forgiveness.

USAA doesn’t offer other add-ons, which leaves some drivers wanting. However, Farmers offers a few more add-ons, including new car replacement, loss of use, custom equipment, and OEM parts coverage.

Farmers vs. USAA Auto Insurance Discounts

Like most insurance companies, USAA and Farmers offer a variety of discounts to help you save. Although USAA car insurance quotes are usually cheaper, Farmers typically offers more discounts.

Most insurance discounts will apply automatically to your account, but you may need to submit proof for some. Take a look below to compare Farmers Insurance vs. USAA auto insurance discounts.

Farmers vs. USAA Auto Insurance Discounts

In addition to the discounts listed above, Farmers offers a variety of savings opportunities that USAA does not. These discounts include savings for employees in certain industries, signing up for paperless documents, adding a teen to your policy, and driving an electric vehicle.

Read More: 26 Hacks to Save More Money on Auto Insurance

Farmers vs. USAA Usage-Based Insurance

If you’re worried that you cannot afford your auto insurance, usage-based insurance can help you save.

Both USAA and Farmers offer a UBI program to help you save. USAA offers SafePilot, while Farmer’s UBI program is the Signal app. Both programs have a maximum discount of 30%.

Before signing up for a UBI program from either company, you should understand what they track to make sure it’s a good fit for you. UBI programs typically track the following driving behaviors:

• Sudden Stops
• Rapid Acceleration
• Time of Day
• Mileage
• Phone Use

If you’re worried about how your driving behaviors will affect your insurance rates, a UBI program might not be the right choice for you.

If you’re interested in UBI savings, USAA and Farmers don’t offer the largest maximum discount. That honor goes to Allstate and Nationwide, who offer savings of up to 40%.

Farmers vs. USAA Customer and Business Reviews

When you compare USAA vs. Farmers auto insurance, customers are generally more pleased with the former. USAA’s affordable rates, military-centric discounts, and excellent customer service appeal to most drivers. It’s also easy to get a quote when you use the USAA website.

Farmers, on the other hand, is a little more hit-or-miss with its customer reviews. Many drivers enjoy the coverage options Farmers offers, while others are shocked by the number of rate increases they see.

In general, Farmers gets fewer positive reviews than USAA because it costs more. If you choose to shop with Farmers, use our 17 tips to save on your auto insurance.

Both companies receive strong third-party ratings for business reviews. The table below shows how well each does.

Insurance Business Ratings & Consumer Reviews: Farmers vs. USAA

According to the NAIC, USAA does a little better than Farmers with most third-party rating companies, but it receives slightly more complaints. The USSA Better Business Bureau (BBB) rating is also higher than Farmers’.

Curious to see how USAA and Farmers do for sales? Check below to see each company’s total market share in the U.S.

Despite having strict membership requirements, USAA sells more auto insurance policies than Farmers.

Farmers Auto Insurance Pros and Cons

A simple pros and cons list can’t tell you everything you need to know about Farmers, but it’s a good start. The benefits of shopping at Farmers includes:

• Generous Discounts: With over 20 discounts to help you save, Farmers strives to keep its rates as low as possible.
• Excellent Coverage Options: Farmers offers plenty of ways to customize your car insurance policy.
• Strong UBI Program: The Signal app offers a solid discount of up to 30%, and most drivers find it easy to use.

As with all companies, Farmers has its downsides, too. Make sure to look out for the following before you buy a Farmers policy:

• Unexpected Rate Increases: Aside from having overall higher rates, many drivers report that their premiums increased unexpectedly.
• Slow Claims Process: Many drivers say they are unsatisfied with the Farmers’ claims process, saying it is too slow.

Now that you have an idea of the pros and cons of Farmers, next up is USAA.

USAA Auto Insurance Pros and Cons

USAA is one of the most popular insurance choices due to its low rates, but it’s not the best choice for everyone.

Is USAA worth it?
by inInsurance

Before you buy a policy, take a look at the best and worst parts of USAA car insurance reviews:

• Military Savings: USAA is known for having the best auto insurance for disabled veterans, active members, and their families by helping them save.
• Affordable Rates: No matter what type of driver you are, USAA is probably your cheapest option for insurance.
• Excellent Customer Service: USAA customer service has a reputation for being helpful, friendly, and professional.

Even the best insurance companies have weaknesses. You’ll need to be aware of the following if you’re interested in USAA auto insurance:

• Membership Required: Only active and retired military members and their families are eligible for USAA membership.
• Limited Coverage Options: Despite being such a popular option, USAA has a small variety of coverage add-ons. Most notably, USAA doesn’t offer gap insurance.

Keep in mind that most USAA auto insurance reviews are positive despite the company having a few shortcomings.

Compare Personalized Farmers vs. USAA Auto Insurance Quotes Today

When you compare Farmers and USAA auto insurance reviews, USAA tends to outdo Farmers. However, Farmers is an excellent choice for drivers who aren’t retired or active military members.

Now that you know how to get multiple auto insurance quotes from USAA and Farmers, your next step should be to compare rates with other companies. To get started, enter your ZIP code into our free comparison tool today.