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General rates
| Feature | State Farm | USAA | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,462/yr | ~$1,394/yr | ✓ USAA |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 0.79 — good | 1.18 — below average | ✓ State Farm |
| Credit: excellentrate change for excellent credit | -10% | -10% | — |
| Credit: fair / poorrate change for fair credit | +22% | +20% | ✓ USAA |
| Young drivers · 18–24surcharge vs 35–54 baseline | +16% | +14% | ✓ USAA |
| Drivers 55+discount vs 35–54 baseline | -9% | -8% | ✓ State Farm |
| Homeowner discount | -8% | -6% | ✓ State Farm |
| Multi-policy discount | -12% | -10% | ✓ State Farm |
| Lapsed coverage penaltysurcharge for coverage gap | +18% | +18% | — |
| How to buy | Agent only | Online / phone only | — |
| Telematics program | Drive Safe & Save | SafePilot | — |
About State Farm
Largest US auto insurer. 19,000+ agents nationwide. Best bundling discount among the majors. In this comparison, State Farm has the advantage on complaints, 55+ rate, homeowner discount. Best for: Local agent service & multi-policy bundling.
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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