Compare rates
Cheapest car insurance for your ZIP
Rank every carrier by estimated price for your exact ZIP and profile — in seconds, no calls.
Coverage calculator
Not sure how much you need?
See what to buy and what to skip — and how each choice changes your price.
Help me choose my coverage options →Who wins for your profile?
General rates
| Feature | Farmers | USAA | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,768/yr | ~$1,394/yr | ✓ USAA |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 0.86 — good | 1.18 — below average | ✓ Farmers |
| Credit: excellentrate change for excellent credit | -10% | -10% | — |
| Credit: fair / poorrate change for fair credit | +24% | +20% | ✓ USAA |
| Young drivers · 18–24surcharge vs 35–54 baseline | +17% | +14% | ✓ USAA |
| Drivers 55+discount vs 35–54 baseline | -7% | -8% | ✓ USAA |
| Homeowner discount | -7% | -6% | ✓ Farmers |
| Multi-policy discount | -6% | -10% | ✓ USAA |
| Lapsed coverage penaltysurcharge for coverage gap | +14% | +18% | ✓ Farmers |
| How to buy | Agent only | Online / phone only | — |
| Telematics program | Signal | SafePilot | — |
About Farmers
Strong agent network in the West and Southwest. Above-average pricing, but solid claims satisfaction. In this comparison, Farmers has the advantage on complaints, homeowner discount, lapsed-coverage penalty. Best for: Full-service agent experience.
About USAA
Available only to military-affiliated households. Lowest rates among major carriers for eligible drivers. In this comparison, USAA has the advantage on avg rate, fair-credit rate, young driver rate. Best for: Military members, veterans, and immediate family.
Get notified when your rates change.
We'll notify you when your carrier is raising rates. We never spam or sell your information.
✓ You're on the list.