Comparing quotes is the best way to get your lowest rates from top insurers like Farmers and USAA. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Farmers and USAA are both big companies in the world of insurance. 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 discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
Farmers
|
USAA
|
| Worst If |
Farmers
|
USAA
|
|
Farmers
Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low. |
USAA |
| 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 |
| Farmers Auto Insurance | USAA Car Insurance | |
|---|---|---|
| 2016 | 167 | 245 |
| 2015 | 262 | 415 |
| 2014 | 237 | 380 |
| 2013 | 300 | 270 |
| Farmers Auto 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 |
| Farmers Auto 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 |
| Farmers Auto Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A | A++ |
| Moody's | Aa3 | Aaa |
| S&P's | A+ | AA+ |
Farmers
Farmers Insurance Mobile Apphelps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:
|
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here. |
Farmers
Farmers Towing & Roadside AssistanceCovers roadside services up to $150 Services covered:
Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150. Farmers’ Roadside Emergency Safety Contact NumberCall 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |