Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Mar 26, 2021

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Key Takeaways

  • In general, USAA car insurance is cheaper than Farmers
  • USAA is only offered to the military, veterans, and their families
  • USAA has better financial and customer satisfaction ratings than Farmers

When it comes to car insurance companies, you have a lot of options, and comparing them side by side will help you narrow down your choices. We’ll compare the pros and cons of Farmers vs. USAA car insurance companies to see which one best suits your needs.

Compare rates, discounts, financial ratings, and customer satisfaction ratings to determine if one of these companies is for you. It’s also important to know that USAA only offers car insurance coverage to the military, veterans, and their families.

To find the best company, you don’t have to just compare Farmers vs. USAA. Enter your ZIP code to receive free quotes from a variety of car insurance companies near you.

Is Farmers car insurance or USAA car insurance cheaper?

You may be surprised to learn all of the factors that car insurance companies use to determine your rates. Common factors used are your age, gender, ZIP code, driving history, and credit score.

All of these will be used to determine how affordable Farmers vs. USAA car insurance is for you. Since everyone will be different, rates will vary.

First, we will look at Farmers vs. USAA car insurance rates by demographics. We all know that younger drivers are charged higher rates, but let’s look at just how much age, gender, and marital status affect your auto insurance rates.

Farmers vs. USAA Average Annual Rates Based on Age, Gender, and Marital Status
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 has the cheapest car insurance rates regardless of age, gender, or marital status.

Your driving record is another significant factor that auto insurance companies consider when determining your rates. You will pay even more on your policies when you have accidents, tickets, or DUIs than if you have a clean driving record.

Farmers vs. USAA Average Annual Rates Based on 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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Farmers car insurance rates are higher than USAA’s rates no matter your driving record.

You may also be surprised to hear that your auto insurance rates are influenced by your credit score. Car insurance companies believe that you are less likely to file a claim and are more able to pay for damages out of pocket if you have a higher credit score.

Farmers vs. USAA Average Annual Rates Based on 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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Yet again, USAA is the cheapest option whether you have good, fair, or poor credit.

Some states, like California, no longer allow auto insurance companies to look at credit scores when determining your rates.

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Does Farmers or USAA have better car insurance discounts?

You can significantly lower your rates if you add car insurance discounts to your policy. Most companies offer common discounts for multiple policies, your job, and how many cars you insure.

This table shows you the available discounts through Farmers and USAA. If the amount of the discount is known, it is included. Take a look and see which company offers you the most discounts.

Farmers vs. USAA Car Insurance Discounts
Car Insurance DiscountsFarmers (%)USAA (%)
Adaptive HeadlightsxN/A
Anti-lock Brakesxx
Anti-Theftxx
Claim Freex12
Continuous CoveragexN/A
Daytime Running Lightsxx
Defensive Driverx3
Distant Studentxx
Driver's Edx3
Driving Device/AppN/A5
Early Signingx12
Electronic Stability ControlxN/A
Family LegacyN/A10
Family PlanxN/A
Farm VehiclexN/A
Federal EmployeexN/A
Full PaymentxN/A
Garaging/Storingx90
Good Studentx3
Green Vehicle5N/A
HomeownerxN/A
Low Mileagexx
LoyaltyN/Ax
MarriedN/Ax
Militaryxx
Military GaragingN/A15
Multiple Policiesxx
Multiple Vehiclesxx
Newer Vehiclex12
Occasional OperatorN/Ax
OccupationxN/A
Paperless DocumentsxN/A
Paperless/Auto Billingx3
Passive Restraintxx
Safe Driverx12
Senior Driverxx
Switching ProviderxN/A
Utility VehiclexN/A
Vehicle Recoveryxx
VIN Etchingxx
VolunteerN/A
Young DriverN/A$75
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Both companies offer a lot of discounts and some are only offered at one company. For example, Farmers offers a continuous coverage discount and USAA doesn’t. However, USAA offers a family legacy discount and Farmers doesn’t.

Other discounts, such as the USAA or Farmers good student discount, are offered by both companies.

As you compare Farmers vs. USAA car insurance quotes, be sure to ask for any eligible discounts.

How do Farmers and USAA compare in financial strength and customer satisfaction?

A.M. Best ranks insurance companies based on financial stability. Farmers received an A rating, meaning they have an excellent ability to meet their obligations. USAA earned an A++ rating showing they have a superior ability to meet their obligations.

Farmers received an A+ rating from the Better Business Bureau, but USAA received an A- score. Also, Farmers is accredited and USAA is not.

J.D. Power ranked Farmers and USAA on customer satisfaction, including prices, billing, claims, and what is offered. Farmers ranked about average, but USAA ranked above average.

Both companies offer mobile apps and websites, and customers can access their insurance information, pay bills, and access their ID cards when needed.

Farmers and USAA also offer additional coverages, such as roadside assistance. Additional coverages, such as Farmers and USAA home insurance are available. In fact, you can even purchase Farmers and USAA pet insurance.

Deciding to buy Farmers vs. USAA car insurance can be a difficult decision. To determine if either is right for you, look at rates, discounts, and ratings.

You can also compare additional companies to see which one is the best fit. Enter your ZIP code to compare quotes from several companies near you now that you’ve compared Farmers vs. USAA car insurance.