Farmers vs. USAA: Best Auto Insurance for Military and Veterans 
If you are trying to decide between Farmers vs. USAA for military and veterans it is important to know that USAA offers lower rates in most cases. While Farmers doesn't have rates as low as USAA for military and veterans, they do offer a military discount. Both Farmers and USAA consider many factors when determining rates for military and veterans, including age, credit history, and driving record.
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UPDATED: Jun 8, 2021
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- USAA offers some of the lowest rates for veterans and active-duty military.
- Farmers Insurance offers a military discount that can be around 5%.
- USAA and Farmers received high financial ratings from AM Best.
If you are looking for car insurance veterans can afford, then you may have found yourself deciding between Farmers Insurance and USAA. When comparing Farmers vs. USAA for military and veterans car insurance quotes you will find that both are great companies, but have many differences.
For example, USAA insurance is available only to active-duty military, veterans, and their families.
There is also a major difference in the Farmers vs. USAA for military and veterans car insurance rates. Read this piece for more information on both companies, then compare rates using our comparison tool.
Farmers vs. USAA: How do their car insurance rates compare?
The car insurance rates you receive can depend on many factors, including your age, state, and driving record. Read the seconds below to see who has more affordable car insurance between Farmers vs. USAA for military and veterans.
Which is cheapest by state?
Depending on where you live, auto insurance rates can be expensive no matter which company you go with. See how rates can differ when you buy Farmers vs. USAA for military and veterans car insurance.
|State||Farmers Average Annual Rates||USAA Average Annual Rates|
|Alaska||Data Not Available||$2,454.21|
|Connecticut||Data Not Available||$3,190.00|
|District of Columbia||Data Not Available||$2,580.44|
|Delaware||Data Not Available||$2,325.98|
|Florida||Data Not Available||$2,850.41|
|Georgia||Data Not Available||$3,157.46|
|Kentucky||Data Not Available||$2,897.89|
|Louisiana||Data Not Available||$4,353.12|
|Maryland||Data Not Available||$2,744.14|
|Massachusetts||Data Not Available||$1,458.99|
|Mississippi||Data Not Available||$2,056.13|
|North Carolina||Data Not Available||Data Not Available|
|New Hampshire||Data Not Available||$1,906.96|
|New Jersey||$7,617.00||Data Not Available|
|New York||Data Not Available||$3,761.69|
|Pennsylvania||Data Not Available||$1,793.37|
|Rhode Island||Data Not Available||$4,323.98|
|South Dakota||$3,768.80||Data Not Available|
|Texas||Data Not Available||$2,487.89|
|Virginia||Data Not Available||$1,858.38|
|Vermont||Data Not Available||$1,903.55|
|West Virginia||Data Not Available||$1,984.62|
According to the data available, New Jersey is the most expensive state for Farmers Insurance rates, while Louisiana has the highest rates from USAA. Each state has a Department of Insurance website, a list of which can be found on the III website.
Which is cheapest by driving record?
Good drivers pay less. This is the case with most companies. See how Farmers and USAA use your driving record to determine rates with the chart below.
|Driving Record||Farmers Average Annual Rates||USAA Average Annual Rates|
|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|
As you can see, Farmers rates are higher in all situations.
Which is cheapest by age and gender?
Your age can cause a huge difference in auto insurance rates with older drivers usually paying the lower rates.
|Group||Farmers Average Annual Rates||USAA Average Annual Rates|
|Married 35-year old female||$2,556.98||$1,551.43|
|Married 35-year old male||$2,557.75||$1,540.32|
|Married 60-year old female||$2,336.80||$1,449.85|
|Married 60-year old male||$2,448.39||$1,448.98|
|Single 17-year old female||$8,521.97||$4,807.54|
|Single 17-year old male||$9,144.04||$5,385.61|
|Single 25-year old female||$2,946.80||$1,988.52|
|Single 25-year old male||$3,041.44||$2,126.14|
Gender is no longer a factor when determining auto insurance rates in some states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
Which is cheapest by credit score?
If you have a good credit score, then you will pay lower auto insurance rates no matter which company you go with.
In all cases, those with a good credit score pay less for auto insurance.
Which is cheapest by coverage level?
The more coverage you buy, the higher your rates will be in most cases. However, many people prefer to have as much coverage as possible.
|Coverage Level||Farmers Average Annual Rates||USAA Average Annual Rates|
The difference in rates based on coverage level differ in hundreds of dollars from both companies.
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Farmers vs. USAA: Ratings and Customer Satisfaction
When comparing two auto insurance companies it is important to look at their customer reviews as well as their financial ratings.
What are their financial ratings?
Below, we’ve collected financial ratings of Farmers and USAA from top financial rating companies.
|Ratings Website||Farmers Ratings||USAA Ratings|
As you can see, both companies received good financial ratings, however, USAA always received a higher score.
How do customers rate them?
Keeping up with customer ratings is important because, as a future customer, you will want to know about any past complaints towards the company.
|Review Website||Farmers Ratings||USAA Ratings|
|J.D. Power||N/A||900 (Among the best)|
|Better Business Bureau||1.46/5 stars||1.29/5 stars|
As you can see, both companies ranked highly on Consumer Reports but received low ratings from the Better Business Bureau site.
Farmers vs. USAA: Car Insurance Coverage and Options
Also when considering Farmers vs. USAA for military and veterans, you will want to make sure they offer all the coverage you might need.
What are their coverage options?
Below, you can see the many different coverage options offered by both companies.
|Types of Coverage||Farmers||USAA|
|Bodily injury liability||x||x|
|Personal Injury Protection (PIP)||x||x|
|Property damage liability||x||x|
|Uninsured/underinsured bodily injury||x||x|
|Uninsured/underinsured motorist property damage||x||x|
While both companies offer pretty much the same coverage options, their rates will likely vary.
What discounts do they offer?
While USAA is known for providing auto insurance services exclusively to veterans, Farmers offers a military discount as well as many other discounts.
|Daytime Running Lights||x||x|
|Electronic Stability Control||x|
It is estimated that Farmers offers around a 5% discount to active-duty military and veterans.
Farmers vs. USAA: Which company is the best?
Many things should be considered when trying to choose the right car insurance company between Farmers vs. USAA for military and veterans. Both Farmers vs. USAA offer great options for military and veterans car insurance.
All this being said, USAA offers lower rates and is more widely known as a good option for veterans and active-duty military. If you still need more information, then check out our USAA car insurance review.
Now that you know more about Farmers vs. USAA for military and veterans, it’s time to make a decision. Compare rates from other top insurance companies by using our comparison tool.