USAA is a strong choice for military members and their families seeking affordable and comprehensive insurance options with high customer satisfaction. State Farm is a reliable option for those who prefer personalized service from local agents and a wide range of insurance products, including health-related coverage. The choice depends on individual needs and preferences regarding eligibility, service channels, and specific coverage requirements.
| Attribute | USAA | State Farm |
|---|---|---|
| Customer Satisfaction Ratings | Ranks high in customer satisfaction surveys. Ranked #1 in customer satisfaction in the 2024 J.D. Power Individual Annuity Study. Scored 780 on a 1000-point scale in the annuity study. Ranked 1st overall among large car insurers with a score of 8.95/10 in The Zebra's Customer Satisfaction Survey. Ranked 1st for customer service satisfaction (8.98/10) in The Zebra's survey. Ranked first with a customer satisfaction (CSAT) score of 83.7 in Verint Experience Index Report in 2021. Eligibility for official J.D. Power rankings can be affected by its membership practices. | Generally high customer satisfaction ratings. 92% of customers satisfied. The Zebra Customer Satisfaction Survey: 8.71/10. Insure.com: 4.35 stars out of 5. |
| Policy Coverage Options | Offers a comprehensive range of insurance products, including auto, home, life, health, travel, and valuable personal property insurance. Auto insurance includes options for customizing policies, such as liability, collision, comprehensive, and uninsured motorist protection. Add-ons like accident forgiveness and rideshare insurance are available. Home insurance includes policies for homeowners, renters, and condo owners, protecting against damage from fire, storms, vandalism, or theft. Full coverage typically includes collision and comprehensive coverage, along with the minimum liability coverage required by most states and lenders. | Liability, Collision, Comprehensive, Medical Payments, Uninsured/Underinsured Motor Vehicle, Emergency Road Service, Car Rental Reimbursement and Travel Expenses. |
| Premium Costs | Car insurance rates are often cheaper than many other companies. The average annual cost for full coverage car insurance from USAA is $1,670, compared to the national average of $2,571 (according to NerdWallet's July 2025 analysis). Full coverage car insurance from USAA averages $117 monthly ($1,407 annually). Minimum coverage averages $35 monthly ($417 annually). With a clean driving record, full coverage with USAA averages $99 monthly, compared to $171 monthly with Progressive. Liability-only coverage with USAA averages $50 monthly, while Progressive averages $105 monthly. Premiums can vary depending on driving history, car model, and location. | Average full coverage: $212/month. Minimum coverage: $72/month. Full coverage is $39/month less than Progressive. |
| Financial Stability Rating | USAA Life Insurance Company has high ratings from A.M. Best (A++ Superior), Moody's Investors Service (Aa1 Excellent), and S&P Global Ratings (AA Very Strong). AM Best has affirmed USAA's Financial Strength Rating (FSR) as A++ (Superior). S&P Global Ratings lowered its financial strength and counterparty credit ratings on USAA and its core insurance subsidiaries to 'AA' from 'AA+' in May 2025, citing issues with the banking business. Moody's also downgraded USAA's financial strength rating to Aa1 from Aaa. | AM Best: A++ (Superior). |
| Claim Processing Speed | The time to process a claim varies depending on the complexity of the damage and injuries involved. Some claims may take a few business days, while more complex claims can take several weeks. On average, it takes around 7-10 business days for USAA to process a car insurance claim. USAA aims to pay and close claims as quickly as possible after determining what is owed based on coverage. Cases that don't need a formal lawsuit are often resolved in 3 to 9 months, while those requiring a lawsuit can take 6 to 18 months. | Varies; some claims resolved in 30-45 days, complex cases take longer. Settlement offer within a few weeks after review is finalized. |
| Digital Accessibility (Mobile App & Website) | Allows you to file and track claims, get estimates, and contact adjusters through its website and mobile app. The quickest way to start a claim is through the USAA website or mobile app. | Mobile app and website available for managing insurance and banking accounts, requesting roadside service, filing/tracking claims, and paying bills. |
| Discounts and Savings Opportunities | Offers various discounts, including safe driver, good student, defensive driving, and new vehicle discounts. Military-specific discounts are available, such as savings for garaging your car on base while deployed. USAA Perks program provides savings on everyday needs, with new retailers and brands continuously added. SafePilot and SafePilot Miles programs can lower car insurance rates based on safe driving habits. | Safe Driver, Multiple Policy (bundling), Good Student, Drive Safe & Save program, Multi-car, Vehicle safety discounts. |
| Availability of Local Agents | While USAA has offices in several U.S. cities and overseas locations, it primarily serves members through phone and digital channels. | Large network of local agents; approximately 48,000 agents serving 83 million policies and accounts throughout the U.S. |
| Range of Insurance Products Offered | Provides a diverse portfolio of products, including property/casualty and life/health insurance, as well as financial services through USAA Federal Savings Bank. They offer auto, home, renters, life, health, pet, and travel insurance. | Auto, Homeowners, Life, Health (including supplemental and Medicare Supplement plans), Disability, Pet, Personal Liability, Watercraft, Farm and Small Business Insurance. |
| Underwriting Flexibility | Details on USAA's underwriting flexibility are limited in the search results. | Not available |
| Community Involvement | Supports causes that promote military family resilience and strengthen local communities. Focuses on mental health and well-being, economic mobility, and basic needs. Empowers employees to give their time and talent to causes they are passionate about. In 2023, USAA employees donated over $13 million to nonprofits and volunteered 267,000 hours. USAA and its members donated nearly $3 million to assist in the recovery from Hurricanes Helene and Milton in 2024. Committed to racial equality and has donated to organizations that address employment, educational, and economic disparities. | Community grants, support for underserved students, Matching Gift, Volunteer, and Scholarship programs, partnerships, disaster preparedness, sponsorships. |
| Reputation and Brand Recognition | Has a strong reputation and is often recognized for excellent customer experience. USAA's brand is ranked #70 in the list of Global Top 100 Brands. They have been recognized as one of the World's Most Ethical Companies and one of FORTUNE World's Most Admired Companies. USAA's Net Promoter Score (NPS) is a 7, with 49% Promoters, 9% Passives, and 42% Detractors. | Well-known and reputable; largest property and casualty insurer in the U.S. |