State Farm vs USAA - The Cheapest Car Insurance Rate is....

Car insurance from State Farm or USAA may be cheap in your area, but it's important to find out if the company's service is as good as their prices. Insurance companies put a lot of money into advertising and marketing and it's difficult for consumers to know the truth about a company BEFORE buying insurance from them.

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Survey Ratings for State Farm and USAA

  State Farm Ratings USAA Ratings
Policy Offerings State Farm Policy Offerings USAA Policy Offerings
Pricing State Farm Pricing USAA Pricing
Billing and Payment State Farm Billing USAA Billing
Contacting the Insurer State Farm Support USAA Support
Overall Satisfaction State Farm Satisfaction USAA Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

State Farm scored lower USAA on policy offerings. Policy offerings compares the different types of coverages available from each car insurance company. The more coverages you can choose from means you can get an insurance program that is more tailored to your specific needs.

State Farm and USAA Price Comparison

State Farm was rated lower than USAA on insurance prices. That doesn't mean that State Farm will always have worse prices on car insurance than USAA, however. Free car insurance quotes from State Farm and USAA will help you determine which company offers the best deal.

State Farm vs USAA - The Cheapest Car Insurance Rate is....

Car insurance is affected by many rating factors, and State Farm and USAA handle these factors differently when calculating a price. The only way to know whether USAA or State Farm has the lower rates is to get a comparison quote.

For satisfaction of billing and payment options, State Farm was rated worse than USAA. Consumers generally prefer to have more flexible payment options.

Knowing you'll be able to get in touch with your company in case of an accident or claim may give you good peace of mind. For ease of contacting the insurance company, State Farm ended up worse than USAA.

Summing it Up

Do more overall stars really mean a company is good or bad? According to the ratings results shown above, State Farm received a lower overall satisfaction rating as compared to USAA, but deciding on a car insurance company should be based on more than consumer ratings.

How to Get the Lowest Car Insurance Rates

  • If you have an independent insurance agent, have them compare rates with multiple companies
  • Better credit means lower car insurance rates
  • To reduce your annual premium, consider dropping full coverage on vehicles that no longer need it
  • Make sure you compare apples-to-apples coverages
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