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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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jun 8, 2021

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It’s all about veterans. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help veterans make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with one auto insurance company and cannot guarantee quotes from any single company. 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.

Editorial Guidelines: We are a free online resource for veterans interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

To Sum It Up

  • 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.

Farmers vs. USAA: Average Auto Insurance Rates by State
StateFarmers Average Annual RatesUSAA Average Annual Rates
AlaskaData Not Available$2,454.21
ConnecticutData Not Available$3,190.00
District of ColumbiaData Not Available$2,580.44
DelawareData Not Available$2,325.98
FloridaData Not Available$2,850.41
GeorgiaData Not Available$3,157.46
KentuckyData Not Available$2,897.89
LouisianaData Not Available$4,353.12
MarylandData Not Available$2,744.14
MassachusettsData Not Available$1,458.99
MississippiData Not Available$2,056.13
North CarolinaData Not AvailableData Not Available
North Dakota$3,092.49$2,006.80
New HampshireData Not Available$1,906.96
New Jersey$7,617.00Data Not Available
New Mexico$4,315.53$2,296.77
New YorkData Not Available$3,761.69
PennsylvaniaData Not Available$1,793.37
Rhode IslandData Not Available$4,323.98
South Carolina$4,691.85$3,424.77
South Dakota$3,768.80Data Not Available
TexasData Not Available$2,487.89
VirginiaData Not Available$1,858.38
VermontData Not Available$1,903.55
West VirginiaData Not Available$1,984.62
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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.

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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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.

Farmers vs. USAA: Average Annual Auto Insurance Rates by Age and Gender
GroupFarmers Average Annual RatesUSAA 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
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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.

Farmers vs. USAA Average Annual Auto Insurance Rates by Credit Score
Credit ScoreFarmersUSAA
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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.

Farmers vs. USAA: Average Annual Auto Insurance Rates by Coverage Level
Coverage LevelFarmers Average Annual RatesUSAA Average Annual Rates
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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.

Farmers vs. USAA: Financial Ratings
Ratings WebsiteFarmers RatingsUSAA Ratings
AM BestAA++
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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.

Farmers Vs. USAA: Customer Ratings
Review WebsiteFarmers RatingsUSAA Ratings
Consumer Reports8995
J.D. Power N/A900 (Among the best)
Better Business Bureau1.46/5 stars1.29/5 stars
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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.

Farmers Vs USAA: Coverage Options Offered
Types of CoverageFarmersUSAA
Bodily injury liabilityxx
Personal Injury Protection (PIP)xx
Property damage liabilityxx
Uninsured/underinsured bodily injuryxx
Uninsured/underinsured motorist property damagexx
Medical payments
Roadside assistance
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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.

Farmers vs USAA: Discounts Offered
Adaptive Headlightsx
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingxx
Newer Vehiclexx
Green Vehiclex
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appx
Early Signingxx
Family Legacyx
Family Planx
Farm Vehiclex
Federal Employeex
Full Paymentx
Good Studentxx
Low Mileagexx
Military Garagingx
Multiple Policiesxx
Multiple Vehiclesxx
Occasional Operatorx
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverxx
Switching Providerx
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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.