Auto Insurance · Head-to-head
USAA vs Farmers: Which auto insurance wins?
Side-by-side comparison of USAA and Farmers auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.
USAA
Cheapest national carrier across virtually every driver profile — but eligibility is restricted to active-duty military, veterans, and their immediate family members. Customer service consistently ranks #1 in J.D. Power surveys (2018-2025). If you qualify, USAA is almost always the right answer.
Farmers
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
In plain English
USAA runs $855 less per year on average for full coverage ($1,065 vs $1,920/yr). Farmers can still be the better fit when new car replacement matter more — see the verdicts below.
Side-by-side breakdown
| Feature | USAA | Farmers |
|---|---|---|
| Avg full-coverage premium | $1,065/yr | $1,920/yr |
| Avg liability-only premium | $420/yr | $690/yr |
| A.M. Best financial strength | — | — |
| Best for | military · good credit | new car replacement · agent service |
| Overall rating | 4.9/5 | 4.1/5 |
| Price & savings score (40%) | 4.9 | 3.9 |
| Coverage strength score (25%) | 4.8 | 4.3 |
| Quote & buy experience (20%) | 4.8 | 4.0 |
| Claims & support score (15%) | 4.9 | 4.2 |
Avg full-coverage premium
USAA
$1,065/yr
Farmers
$1,920/yr
Avg liability-only premium
USAA
$420/yr
Farmers
$690/yr
A.M. Best financial strength
USAA
—
Farmers
—
Best for
USAA
military · good credit
Farmers
new car replacement · agent service
Overall rating
USAA
4.9/5
Farmers
4.1/5
Price & savings score (40%)
USAA
4.9
Farmers
3.9
Coverage strength score (25%)
USAA
4.8
Farmers
4.3
Quote & buy experience (20%)
USAA
4.8
Farmers
4.0
Claims & support score (15%)
USAA
4.9
Farmers
4.2
Editor verdicts
Why we rate USAA 4.9/5
Cheapest national carrier across virtually every driver profile — but eligibility is restricted to active-duty military, veterans, and their immediate family members. Customer service consistently ranks #1 in J.D. Power surveys (2018-2025). If you qualify, USAA is almost always the right answer.
Read the full USAA reviewWhy we rate Farmers 4.1/5
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
Read the full Farmers reviewWho should pick which?
Pick USAA if…
- You want the lowest annual premium — USAA averages $1,065/yr for full coverage, $855 less than Farmers.
- You value claims responsiveness — USAA scores higher on claims & support.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
Pick Farmers if…
- Your driver profile leans new car replacement — Farmers's underwriting is best-in-class there.