Auto Insurance · Head-to-head
USAA vs Farmers: Which auto insurance wins?
Side-by-side comparison of USAA and Farmers auto insurances — APR ranges, credit floors, application speed, 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
Farmers wins on both dimensions — lower APR floor (undefined% vs undefined%) AND lower credit floor (null+ vs null+ FICO). USAA can still be the better fit when application speed or loan-amount ceilings matter more — see the verdicts below.
Side-by-side breakdown
| Feature | USAA | Farmers |
|---|---|---|
| APR range | — | — |
| Min credit score | — | — |
| Loan amount | — | — |
| Term length | — | — |
| Overall rating | 4.9/5 | 4.1/5 |
| Rates & APR score (40%) | 4.9 | 3.9 |
| Loan terms score (25%) | 4.8 | 4.3 |
| Application score (20%) | 4.8 | 4.0 |
| Support score (15%) | 4.9 | 4.2 |
APR range
USAA
—
Farmers
—
Min credit score
USAA
—
Farmers
—
Loan amount
USAA
—
Farmers
—
Term length
USAA
—
Farmers
—
Overall rating
USAA
4.9/5
Farmers
4.1/5
Rates & APR score (40%)
USAA
4.9
Farmers
3.9
Loan terms score (25%)
USAA
4.8
Farmers
4.3
Application score (20%)
USAA
4.8
Farmers
4.0
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.
Why 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.
Who should pick which?
Pick USAA if…
- You prefer a fast, soft-pull-friendly online application.
- You want flexible loan terms and amount ranges.
Pick Farmers if…
- You trust Farmers's 4.1/5 editorial score.
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