Farmers vs. USAA: Best Auto Insurance for 2026
When comparing Farmers vs. USAA, USAA has the cheapest auto insurance rates in every category. However, USAA is only offered to members of the miltary, veterans, and their families. When it comes to financial and customer satisfaction ratings, USAA scores higher than Farmers. Farmers and USAA offer numerous discounts that can affect how Farmers vs. USAA auto insurance rates stack up.
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Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Dorothea Hudson
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Updated January 2025
You have a lot of options for automobile insurance, and comparing your choices head to head will help you narrow them down. We’ll compare Farmers vs. USAA auto insurance companies to see which one best meets your needs. Compare the pros and cons of each company by looking at their rates, discounts offered, and ratings. However, keep in mind that USAA is only available to the military, veterans, and their families. Readmore: Military Auto Insurance You don’t have to just compare Farmers vs. USAA to find the best company. Enter your ZIP code to compare free auto insurance quotes from multiple companies near you.
- USAA is generally cheaper than Farmers
- USAA is only offered to members of the military, veterans, and their families
- USAA has better financial and customer satisfaction ratings than Farmers
Is Farmers auto insurance or USAA auto insurance cheaper?
Auto insurance companies look at many different factors to determine your rates. Your age, gender, marital status, driving history, and credit score are common factors used by insurance companies. These factors, and more, will be used to determine how affordable Farmers vs. USAA auto insurance is for you. Rates will vary by driver. First, let’s look at Farmers vs. USAA auto insurance rates by demographics. Younger drivers pay more, but you might be surprised by how different the rates really are. This table shows you rates for Farmers and USAA insurance based on age, gender, and marital status. Farmers vs. USAA Average Annual 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 | $8,666.24 | $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 |
USAA offers the cheapest rates regardless of demographics. One of the most important factors used to calculate your car insurance rates is your driving record. If you have accidents, tickets, or DUIs, your auto insurance rates will be significantly higher. Farmers vs. USAA Average Annual Rates Based on Driving Record
| Driving Record | Farmers Average Annual Rates | USAA 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 |
Farmers insurance rates are higher whether you have a clean driving record or not. Your credit score can also affect your rates. Auto 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 History | Farmers Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Good | $3,677.12 | $1,821.20 |
| Fair | $3,899.41 | $2,219.83 |
| Poor | $4,864.14 | $3,690.73 |
Once again, USAA is cheaper across the board. However, some states like California no longer allow insurance companies to use your credit score when determining your rates.
Does Farmers or USAA have better auto insurance discounts?
Car insurance discounts are a great way to lower your rates, especially if you bundle multiple discounts. Many companies offer common discounts, such as multi-car and good student discounts. 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 Auto Insurance Discounts
| Auto Insurance Discounts | Farmers (%) | USAA (%) |
|---|---|---|
| Adaptive Headlights | x | N/A |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Claim Free | x | 12 |
| Continuous Coverage | x | N/A |
| Daytime Running Lights | x | x |
| Defensive Driver | x | 3 |
| Distant Student | x | x |
| Driver's Ed | x | 3 |
| Driving Device/App | N/A | 5 |
| Early Signing | x | 12 |
| Electronic Stability Control | x | N/A |
| Family Legacy | N/A | 10 |
| Family Plan | x | N/A |
| Farm Vehicle | x | N/A |
| Federal Employee | x | N/A |
| Full Payment | x | N/A |
| Garaging/Storing | x | 90 |
| Good Student | x | 3 |
| Green Vehicle | 5 | N/A |
| Homeowner | x | N/A |
| Low Mileage | x | x |
| Loyalty | N/A | x |
| Married | N/A | x |
| Military | x | x |
| Military Garaging | N/A | 15 |
| Multiple Policies | x | x |
| Multiple Vehicles | x | x |
| Newer Vehicle | x | 12 |
| Occasional Operator | N/A | x |
| Occupation | x | N/A |
| Paperless Documents | x | N/A |
| Paperless/Auto Billing | x | 3 |
| Passive Restraint | x | x |
| Safe Driver | x | 12 |
| Senior Driver | x | x |
| Switching Provider | x | N/A |
| Utility Vehicle | x | N/A |
| Vehicle Recovery | x | x |
| VIN Etching | x | x |
| Young Driver | N/A | $75 |
Both companies offer many of the same discounts, but there are some differences. For example, Farmers offers a federal employee discount and USAA doesn’t. However, USAA offers a loyalty discount and Farmers does not. When you compare Farmers vs. USAA auto insurance quotes, be sure to ask for any eligible discounts. You can also receive discounts for having more than one type of insurance. For example, you can have auto and home insurance bundled together for an additional discount. Although USAA auto insurance is cheap, many people wonder why is USAA homeowners insurance so expensive? This is an instance when discounts and bundling policies will come in handy by lowering your rates for both.
How do Farmers and USAA compare for 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. However, 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. Each company also offers easy-to-use websites and mobile apps, allowing customers to access their accounts at any time. Farmers and USAA offer many additional coverages and services, such as roadside assistance.
To learn more about each company, read our Farmers auto insurance review and our USAA insurance review. Deciding to buy Farmers vs. USAA auto insurance can be a difficult decision. To determine if either is right for you, look at rates, discounts, and ratings. If you’re a veteran and decide USAA is right for you, read more about how you cancel your auto insurance policy with Farmers. 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 auto insurance.
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