Compare Farmers vs. USAA Insurance

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Farmers and USAA are both big companies in the world of insurance. Farmers was founded in 1928, just a few years after USAA was founded in 1922. Across the board, USAA has outstanding ratings for financial strength, J.D. Power, and customer satisfaction. Its only drawback is that you can’t reap its benefits unless you’re a military member or have immediate family serving in the military.

As for Farmers, they also have great customer service and a wide selection of discounts, but could improve their online tools to make their website more navigable and their policy options more detailed. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers USAA
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Farmers
  • You want slick online tools to manage your policy
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Farmers USAA
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

USAA

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers USAA
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers USAA
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers USAA
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers USAA
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers USAA
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers USAA
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance USAA Car Insurance
2016 167 245
2015 262 415
2014 237 380
2013 300 270

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance USAA Car Insurance
Overall Purchase Experience Average Among the best
Policy Offerings Average Among the best
Pricing Average Among the best
Local Agent Average --
Call Center Representative -- Among the best
Insurer Website Below average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Car Insurance USAA Car Insurance
Overall Satisfaction Average Among the best
First Notice of Loss Average Among the best
Service Interaction Above average Average
Appraisal Average Among the best
Repair Process Average Above average
Rental Car Experience Average Among the best
Settlement Average Among the best

Financial Strength Ratings

Farmers Car Insurance USAA Car Insurance
A.M. Best A A++
Moody's Aa3 Aaa
S&P's A+ AA+

Mobile Apps

Farmers USAA
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance

Farmers USAA
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.