Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jun 8, 2021

Advertiser Disclosure

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 is offered exclusively to veterans, active duty military members, and military families.
  • USAA offers lower rates than State Farm in most states.
  • Both companies offer many discounts that can greatly lower rates.

If you are a veteran looking for the best veteran insurance policies, you may have found yourself looking at USAA vs. State Farm, which are two of the most well-known auto insurance companies.

Both companies offer convenient insurance shopping as they have offices and representatives located all over the country.

While USAA is known for providing insurance to military members and their families exclusively, some may find that State Farm fits their needs better.

When considering how affordable State Farm is vs. USAA for Military and Veterans car insurance, it is important to consider each company’s rates, ratings, and the discounts that they offer. Read on for all this information and more, then compare rates using our comparison tool.

State Farm vs. USAA: Comparing Rates

The first thing most people want to look at when comparing two companies is their rates. Rates can be determined by a number of different factors, including your credit score, the area in which you live, your age, and more.

Read on for information on State Farm vs. USAA for Military and Veterans rates.

Who has the cheapest rates by state?

Most insurance companies base rates partly on the state in which you live, with Michigan usually being the most expensive.

Average Annual Auto Insurance Rates by State
StateState Farm Average Annual RatesUSAA Average Annual Rates
Alaska$2,228.12$2,454.21
Alabama$4,798.15$2,124.09
Arkansas$2,789.03$2,171.06
Arizona$4,756.25$3,084.29
California$4,202.28$2,693.87
Colorado$3,270.77$3,338.87
Connecticut$2,976.24$3,190.00
District of Columbia$4,074.05$2,580.44
Delaware$4,466.85$2,325.98
Florida$3,397.67$2,850.41
Georgia$3,384.88$3,157.46
Hawaii$1,040.28$1,189.35
Iowa$2,224.51$1,852.57
Idaho$1,867.96$1,877.61
Illinois$2,344.88$2,770.21
Indiana$2,408.94$1,630.86
Kansas$2,720.00$2,382.61
Kentucky$3,354.32$2,897.89
Louisiana$4,579.12$4,353.12
Maine$2,198.68$1,930.79
Maryland$3,960.87$2,744.14
Massachusetts$1,361.86$1,458.99
Michigan$12,565.52$3,620.00
Minnesota$2,066.99$2,861.60
Missouri$2,692.91$2,525.78
Mississippi$2,980.48$2,056.13
Montana$2,417.74$2,031.89
North Carolina$3,078.65Data Not Available
North Dakota$2,560.53$2,006.80
Nebraska$2,438.71$2,330.78
New Hampshire$2,185.46$1,906.96
New Jersey$7,527.16Data Not Available
New Mexico$2,340.66$2,296.77
Nevada$5,796.34$3,069.07
New York$4,484.58$3,761.69
Ohio$2,507.88$1,478.46
Oklahoma$2,816.80$3,174.15
Oregon$2,731.48$2,587.15
Pennsylvania$2,744.23$1,793.37
Rhode Island$2,406.51$4,323.98
South Carolina$3,071.34$3,424.77
South Dakota$2,306.23Data Not Available
Tennessee$2,639.30$2,739.28
Texas$2,879.94$2,487.89
Utah$4,645.83$2,491.10
Virginia$2,268.95$1,858.38
Vermont$4,382.84$1,903.55
Washington$2,499.78$2,262.16
West Virginia$2,126.32$1,984.62
Wisconsin$2,387.53$2,975.74
Wyoming$2,303.55$2,779.53
Get Your Rates Quote Now
Compare RatesStart Now →

As you can see, USAA rates by state are less than State Farm in most states.

Which company provides the cheapest rates by driving record?

No matter who you are, your driving record can greatly affect your auto insurance rates as can be seen in the chart below.

Average Annual Auto Insurance Rates by Driving Record

Driving Record IncidentState Farm Average Annual RatesUSAA Average Annual Rates
Clean record$2,821.18$1,933.68
With one accident$3,396.01$2,516.24
With one DUI$3,636.80$3,506.03
With one speeding violation$3,186.01$2,193.25
Get Your Rates Quote Now
Compare RatesStart Now →

Next, see how age and gender can affect rates in some states.

Cheapest Rates by Age and Gender

While some companies still consider gender a factor in determining rates, several states have made this form of consideration illegal, including:

Average Annual Auto Insurance Rates by Age and Gender

GroupState Farm Average Annual RatesUSAA Average Annual Rates
Married 35-year old female$2,081.72$1,551.43
Married 35-year old male$2,081.72$1,540.32
Married 60-year old female$1,873.89$1,449.85
Married 60-year old male$1,873.89$1,448.98
Single 17-year old female$5,953.88$4,807.54
Single 17-year old male$7,324.34$5,385.61
Single 25-year old female$2,335.96$1,988.52
Single 25-year old male$2,554.56$2,126.14
Get Your Rates Quote Now
Compare RatesStart Now →

Again, USAA usually offers cheaper rates even when based on age and gender.

It’s worth noting that some states have made it illegal for auto insurance companies to base their rates on gender, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.

Who has the cheapest auto insurance rates by credit score?

Both USAA and State Farm factor your credit score in when determining rates.

Average Annual Auto Insurance Rates by Credit Score

Credit ScoreState Farm Average Annual RatesUSAA Average Annual Rates
Good$2,174.26$1,821.20
Fair$2,853.00$2,219.83
Poor$4,951.20$3,690.73
Get Your Rates Quote Now
Compare RatesStart Now →

As you can see, for both companies, the higher your credit score, the lower your rates.

Cheapest by Annual Mileage

Even the average distance you drive can affect your auto insurance rates.

Average Annual Auto Insurance Rates by Commute Length

Commute DistanceState Farm Average Annual RatesUSAA Average Annual Rates
10 miles commute/ 6,000 annual mileage$3,175.98$2,482.69
25 miles commute/ 12,000 annual mileage$3,344.01$2,591.91
Get Your Rates Quote Now
Compare RatesStart Now →

Through the difference isn’t substantial, those with shorter commutes usually end up paying less.

Cheapest by Vehicle Make and Model

When it comes to vehicle make and model, new cars usually come with higher insurance rates, as can be seen in the chart below.

Average Annual Rates by Vehicle Make and Model

Make and Model State Farm Average Annual RatesUSAA Average Annual Rates
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$3,204.23$2,551.56
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$3,024.24$2,409.67
2015 Toyota RAV4: XLE$3,226.02$2,454.58
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$3,497.17$2,855.69
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$3,189.99$2,422.66
2018 Toyota RAV4: XLE$3,418.33$2,529.63
Get Your Rates Quote Now
Compare RatesStart Now →

Now that you know more about State Farm vs. USAA for Military and Veterans rates, read on to compare their ratings.

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

State Farm vs. USAA: Comparing Company Ratings

Another thing to consider when comparing State Farm and USAA is their financial ratings and customer reviews.

What are their financial ratings?

State Farm and USAA have similarly high financial ratings from top financial rating sites such as Moody’s, S&P, and A.M. Best.

State Farm vs. USAA Financial Ratings

Ratings WebsiteState Farm USAA
AM BestA++A++
S&PAAAA+
Moody'sN/AAaa
Get Your Rates Quote Now
Compare RatesStart Now →

See how customers rated the two companies in the next section.

How are they rated by customers?

Possibly more important than their ratings from financial rating sites are reviews from customers. Both USAA and State Farm got a high score from Consumer Reports with USAA receiving a 95 and State Farm an 89.

While State Farm received an A+ from the Better Business Bureau, it only scored 1.34 stars out of 5 in customer reviews. USAA similarly received less than perfect reviews from the BBB website, receiving 1.29 out of 5 stars.

On various online review sites, both USAA and State Farm received mixed to good reviews.

Additionally, State Farm showed a cumulative market share of 9.67%. The same information was not available for USAA.

State Farm vs. USAA: Comparing Military Discounts

Discount car insurance for veterans is offered through many auto insurance companies. However, the amount of the discount they offer can differ greatly. See all the discounts offered by State Farm and USAA in the chart below.

State Farm vs. USAA Auto Insurance Discounts Offered
DiscountsState Farm USAA
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Vehicle Recovery
VIN Etching
Newer Vehicle
Claim Free
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Family Legacy
Garaging/Storing
Good Credit
Good Student
Homeowner
Low Mileage
Loyalty
Married
Military
Military Garaging
Multiple Policies
Multiple Vehicles
Occasional Operator
Paperless/Auto Billing
Passive Restraint
Safe Driver
Senior Driver
Get Your Rates Quote Now
Compare RatesStart Now →

USAA currently offers more discounts than State Farm.

Mobile Apps and Roadside Assistance

Both companies offer easy-to-use mobile apps through which you can manage your policy. Roadside assistance is also offered through both companies, which include services like towing, locksmith services, jump starts, and more.

Read on for information on State Farm vs. USAA for Military and Veterans quotes.

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

State Farm vs. USAA: Which company is best?

If you are a veteran, active-duty military member, or family of someone in the military, you may want to check with USAA first. USAA is specialized in servicing the auto insurance needs of veterans and offers some of the lowest rates.

All that being said, there are many benefits to insuring with State Farm as well. The company offers many discounts and is available all over the country.

One thing you can do is contact an agent from each company and explain your needs and wants. After speaking with an agent, you may be able to better determine which auto insurance company is right for you.

Hopefully, this article gave you all the information you need on State Farm vs. USAA for Military and Veterans. Now, you can easily compare rates by using our comparison tool below.