State Farm Auto Insurance vs. USAA Auto Insurance
Side-by-side comparison · Updated 2026 · Independently reviewed
State Farm Auto Insurance
State Farm
4.4
Avg $1,789/yr. #1 J.D. Power claims satisfaction. 19,000+ local agents.
Full review →USAA Auto Insurance
USAA
4.7
Avg $1,180–$1,500/yr. Military & veterans only. Top-rated customer service.
Full review →WealthSpott Verdict
USAA Auto Insurance wins on more measurable categories. State Farm Auto Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
State Farm Auto
USAA Auto Insurance
WealthSpott Rating
4.4 / 5
4.7 / 5 Best
Coverage Type
Auto Insurance
Auto Insurance
Avg Annual Premium
~$1,789/yr
~$1,350/yr Best
AM Best Rating
—
—
J.D. Power Score
—
—
Mobile App Rating
—
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State Farm Auto Insurance
Pros
- #1 J.D. Power claims satisfaction
- #1 J.D. Power claims satisfaction
- 19,000+ local agents for in-person support
- 19,000+ local agents for in-person support
- ~17% bundling discount with home
- ~17% bundling discount with home
Cons
- Higher average rates than GEICO
- Higher average rates than GEICO
- Fewer digital self-service tools
- Fewer digital self-service tools
USAA Auto Insurance
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