Overall verdict
USAA wins 5–3 categories
USAA leads on more rate factors. Farmers may still win for specific profiles — see the table below.
Side-by-side comparison
| 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 | — |
Who wins by driver profile
Good credit · clean record
USAA
saves ~$336/yr
Fair / poor credit
USAA
saves ~$519/yr
Young driver · 18–24
USAA
saves ~$432/yr
Drivers 55+
USAA
saves ~$326/yr
Homeowner bundle
USAA
saves ~$330/yr
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.
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