Farmers vs. USAA Auto Insurance (2021)

We compare Farmers vs. USAA auto insurance rates by age, driving record, and credit score. USAA has cheaper car insurance rates overall, but coverage is only available to members of the military, veterans, and their immediate family members. You can still secure cheap Farmers insurance rates by qualifying for the company's wider variety of discounts.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • USAA is available only to members of the military, veterans, and their immediate family members
  • You can save up to 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%

Both Farmers and USAA are on the list of the top 10 best auto insurance companies, but which company will be your best option based on your characteristics?

We’ll compare Farmers vs. USAA auto insurance rates to see which one better suits your needs based on age, driving record, and credit history. We also compare available discounts and ratings from agencies with a credible and trustworthy view of Farmers vs. USAA auto insurance companies.

USAA will have some of the best rates across the board but is available only to military members, veterans, and their immediate family members.

Before you find out who has more affordable Farmers vs. USAA auto insurance rates, enter your ZIP code to start comparing free auto insurance quotes from the multiple providers in your area.

Is Farmers insurance or USAA auto 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.

Farmers vs. USAA Average Annual Auto Insurance Rates by Age
Age, Gender, and Marital StatusFarmers Average Annual RatesUSAA Average Annual Rates
Single 17-year-old female$8,666.24$4,695.06
Single 17-year-old male$9,202.06$5,225.88
Single 25-year-old female$2,672.81$1,913.08
Single 25-year old male$2,791.21$2,119.73
Married 35-year-old female$2,316.82$1,484.88
Married 35-year-old male$2,306.44$1,482.91
Married 60-year-old female$2,117.42$1,395.84
Married 60-year-old male$2,179.61$1,400.76
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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.

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Is Farmers insurance or USAA auto 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.

Farmers vs. USAA Average Annual Auto Insurance Rates by Driving Record
Driving RecordFarmers Average Annual RatesUSAA Average Annual Rates
Clean record$3,460.60$1,933.68
With 1 accident$4,518.73$2,516.24
With 1 DUI$4,718.75$3,506.03
With 1 speeding violation$4,079.01$2,193.25
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Again, USAA will usually have the best rates, but it’s also essential 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 insurance or USAA auto insurance cheaper based on credit score?

A good credit score can drop in a matter of months if you experience some 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.

Farmers vs. USAA Average Annual Auto Insurance Rates by Credit History
Credit HistoryFarmers Average Annual RatesUSAA Average Annual Rates
Good$3,677.12$1,821.20
Fair$3,899.41$2,219.83
Poor$4,864.14$3,690.73
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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% compared to USAA, which will more than double.

You may live in a state like California, where basing car insurance on credit scores is illegal. So be sure to check your state’s laws before judging Farmers vs. USAA car insurance rates based on credit score alone.

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Does Farmers or USAA have better auto 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 a low credit score. Discounts can help offset high rates.

Farmers vs. USAA Auto Insurance Discounts
Car Insurance DiscountsFarmers (%)USAA (%)
Adaptive HeadlightsN/AN/A
Anti-lock BrakesN/AN/A
Anti-TheftN/AN/A
Claim FreeN/A12
Continuous CoverageN/AN/A
Daytime Running LightsN/AN/A
Defensive DriverN/A3
Distant StudentN/AN/A
Driver's EdN/A3
Driving Device/AppN/A5
Early SigningN/A12
Electronic Stability ControlN/AN/A
Family LegacyN/A10
Family PlanN/AN/A
Farm VehicleN/AN/A
Federal EmployeeN/AN/A
Full PaymentN/AN/A
Garaging/StoringN/A90
Good StudentN/A3
Green Vehicle5N/A
HomeownerN/AN/A
Low MileageN/AN/A
LoyaltyN/AN/A
MarriedN/AN/A
MilitaryN/AN/A
Military GaragingN/A15
Multiple PoliciesN/AN/A
Multiple VehiclesN/AN/A
Newer VehicleN/A12
Occasional OperatorN/AN/A
OccupationN/AN/A
Paperless DocumentsN/AN/A
Paperless/Auto BillingN/A3
Passive RestraintN/AN/A
Safe DriverN/A12
Senior DriverN/AN/A
Switching ProviderN/AN/A
Utility VehicleN/AN/A
Vehicle RecoveryN/AN/A
VIN EtchingN/AN/A
VolunteerN/AN/A
Young DriverN/A$75
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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 bargains are for garaging your vehicle while deployed and 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.

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What types of car insurance coverages are offered by Farmers and USAA?

Since both Farmers and USAA are two of the ten companies that make up the most of the market share, they can offer a wider variety of car insurance coverages beyond the standard six coverages 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 – essential 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. All more prominent 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 the general app and the driving app.

How does Farmers vs. USAA auto insurance compare in financial strength and customer satisfaction?

Buying car insurance is a big financial responsibility, so you want to make sure you choose 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.

Farmers vs. USAA Company Ratings
Rating AgencyFarmersUSAA
AM Best RatingAA++
Consumer Reports8995
NAIC Company Complaint Ratio0.590.74
NAIC Total Complaints7296
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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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