USAA vs State Farm
Comprehensive comparison of USAA and State Farm car insurance. Our expert analysis examines pricing, coverage, customer service, and claims handling to help you choose the right provider for your needs.
Key Comparison Insights
Overall Recommendation
Choose USAA if you’re eligible—it delivers exceptional value, service, and price. Choose State Farm if you prefer local agent support and don’t qualify for USAA.
Pricing Analysis
USAA consistently offers the lowest premiums for eligible military members and their families. State Farm’s prices are competitive but usually $200–$4...
Company Information Comparison
| Feature | State Farm | USAA |
|---|---|---|
| Established | 1922 | 1922 |
| Underwriter | State Farm Mutual Automobile Insurance Company | United Services Automobile Association |
| Market Position | Market Leader | Premium |
| Customer Service Hours | 24/7 | Mon–Fri: 7:30am–8pm, Sat: 8am–6pm |
| Claims Satisfaction | 4.4 | 4.8 |
| Financial Strength | A++ | A++ |
| Mobile App Rating | 4.5 | 4.8 |
Policy Features Comparison
| Feature | State Farm | USAA |
|---|---|---|
No Claims Discount Years protected | Up to 6 years | Up to 7 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 2 years | Up to 3 years |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£700.00
State Farm
£600.00
USAA
Maximum Cover
$50,000
State Farm
$50,000
USAA
Total Policies
3
State Farm
3
USAA
Comprehensive Cover
Full Coverage
State Farm
Full Coverage
USAA
Premium Analysis
Features Comparison
Policy Type Distribution
State Farm
Comprehensive
1
Third Party Fire & Theft
0
USAA
Comprehensive
1
Third Party Fire & Theft
0
In-Depth Comparison Analysis
Expert Comparison Analysis: USAA vs State Farm
Our comprehensive analysis compares USAA and State Farmacross multiple dimensions including pricing, coverage options, customer service quality, and claims handling. This detailed comparison is based on real policy data, customer feedback, and market research to help you make an informed decision about your car insurance.
Overall Verdict
Choose USAA if you’re eligible—it delivers exceptional value, service, and price. Choose State Farm if you prefer local agent support and don’t qualify for USAA.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
USAA consistently offers the lowest premiums for eligible military members and their families. State Farm’s prices are competitive but usually $200–$400 higher annually depending on state and risk profile.
USAA
Average: £950.00
State Farm
Average: £808.33
Coverage & Benefits Comparison
USAA provides unique military-specific coverages like overseas deployment protection, while State Farm offers more standard extras like rental and travel reimbursement.
Customer Service Comparison
USAA is renowned for its service excellence, especially through digital and phone channels. State Farm’s in-person agents are ideal for those who prefer face-to-face interaction.
Claims Process Analysis
USAA ranks #1 in claims satisfaction in most national surveys. State Farm performs very well too, but typically falls just behind USAA in speed and user satisfaction.
Key Differentiators
USAA offers exclusive, discounted coverage for military families
State Farm is more widely accessible and has local agents
USAA has industry-leading digital experience and call center service
State Farm supports more complex civilian insurance portfolios
USAA claims service is best-in-class nationwide
Which Should You Choose? Real-World Scenarios
New Driver (Age 18-25)
First-time driver looking for affordable coverage with good support
Based on pricing for young drivers, available discounts, and customer support quality
Family with Multiple Cars
Two adults with 2-3 vehicles needing comprehensive coverage
Considering multi-car discounts, family-friendly features, and overall value
Senior Driver (65+)
Experienced driver seeking reliable coverage with excellent customer service
Based on senior-specific benefits, claims handling, and service quality
Business Vehicle
Commercial use requiring business insurance coverage
Evaluating business coverage options, commercial claims handling, and fleet discounts
UK Car Insurance Market Context
Understanding how USAA and State Farm fit within the broader UK car insurance market helps contextualize this comparison. The following statistics provide insight into current market conditions.
Detailed Real-World Analysis
A retired Army captain in North Carolina with two teenage drivers might pay $1,400 with USAA versus $1,900 with State Farm. However, a civilian ineligible for USAA would find strong agent-driven value from State Farm.
Our Final Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our recommendation for different customer profiles:
Choose USAA if:
- You prioritize comprehensive service and support
- You value additional benefits and coverage options
- You don't mind paying extra for premium service
Choose State Farm if:
- You're focused on getting the best value for money
- You're comfortable with essential coverage levels
- You prefer straightforward, no-frills insurance
Important: The best choice depends on your individual circumstances, driving history, vehicle type, and personal preferences. We recommend getting quotes from both providers to compare actual prices for your specific situation.
Comparison Methodology
This comparison is based on comprehensive analysis of policy documents, customer reviews, claims data, pricing information, and independent research. We maintain editorial independence and regularly update our analysis to reflect market changes. Last updated: 8/2/2025
Making Your Decision
When comparing State Farm and USAA, consider how each provider's strengths align with your specific vehicle and driving needs. State Farm's average premium of £950.00compared to USAA's £808.33 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.