Farmers vs USAA
Last updated July 2026
Farmers
We know a thing or two because we've seen a thing or two
Advantages
- Signal by Farmers telematics offers discounts up to 15% for safe driving
- Rideshare coverage available in most states without a separate policy
- Strong farm, ranch, and specialty vehicle coverage where competitors are thin
- Accident forgiveness and diminishing deductible available
- Deep bundling with home, renters, life, and umbrella
Drawbacks
- Base rates tend to be higher than State Farm for most driver profiles
- J.D. Power satisfaction scores trail State Farm in most regions
- Not available in every state, notably not in Alaska, Hawaii, or most of the Northeast
USAA
Serving those who serve
Advantages
- Consistently the lowest average auto rates in the U.S. for eligible members
- Top-tier claims satisfaction and customer service scores year after year
- SafePilot telematics program can shave 30% off premiums
- Deep discounts for storing vehicles on base or during deployments
- Full-line offerings across auto, home, life, and banking
Drawbacks
- Membership limited to military members, veterans, and their families
- No local agent network for in-person service
- New drivers under members can push rates higher than expected
Farmers and USAA both play in auto insurance, but they're aimed at different buyers. Farmers is built for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles. USAA is built for active-duty, veterans, and immediate family who qualify for membership. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Farmers | USAA |
|---|---|---|
| Typical Monthly Cost | Avg $155-$210/mo before bundling | Avg $85-$130/mo for eligible members |
| Quote Process | Local agent, online, or phone | Online, app, or phone (member verification required) |
| Available Discounts | Signal, multi-policy, homeowner, good student, safe driver | SafePilot, garaging discount, multi-vehicle, storage |
| Claims Experience | 24/7 phone, app, or agent-assisted | In-app filing, digital estimates, 24/7 phone |
| Customer Support | Local agents, phone, app, online | Phone, chat, app, secure messaging |
| Coverage Options | Liability, collision, comprehensive, custom equipment, rideshare | Liability, collision, comprehensive, rideshare, umbrella |
| Mobile App Quality | Good, ID cards, claims, Signal, payments | Excellent, one of the best-rated in insurance |
| Bundling Options | Auto, home, renters, life, umbrella, farm, small business | Auto, home, renters, life, banking |
USAA Wins
USAA takes it overall (9/10 vs 7/10), but Farmers is still the sharper pick for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles.
USAA's standout strength: Consistently the lowest average auto rates in the U.S. for eligible members. Its biggest drawback (membership limited to military members, veterans, and their families) is easier to live with than Farmers's (base rates tend to be higher than State Farm for most driver profiles). Farmers isn't out of the running though — its own standout strength is signal by Farmers telematics offers discounts up to 15% for safe driving. If you fit the profile of drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles, that alone can flip the decision.
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