Overview
USAA offers the absolute lowest rates and highest satisfaction for military families. State Farm is the best alternative for non-military consumers with the largest agent network. Both companies are major players in the U.S. insurance market with strong financial ratings and nationwide availability.
Rate Comparison
USAA offers an average auto rate of $1,150/yr while State Farm averages $1,480/yr. For home insurance, USAA averages $1,380/yr vs State Farm at $1,520/yr.
Customer Satisfaction
In customer satisfaction surveys, USAA scores 891/1000 while State Farm scores 825/1000. For claims handling specifically, USAA rates as Excellent and State Farm rates as Good.
Who Should Choose Which?
USAA is best for: Military families (best in class).
State Farm is best for: General public, agent support.
Our Recommendation
Our winner is USAA (if eligible). However, insurance is highly personal — the best company for you depends on your specific profile, location, and coverage needs. We always recommend comparing quotes from both companies (and at least 3-4 others) to find your best rate.