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Car Insurance Cost Estimator

USAA vs State Farm

Numbers refreshed

USAA and State Farm compared on financial strength, market share, satisfaction and state-guide prices.

Compared directly

USAA logo
State Farm logo
USAAState Farm
US market share rank5th (6.2%)1st (18.7%)
J.D. Power satisfaction11 of 11 regions above average9 of 11 regions above average
AM Best ratingA++ (Superior)A+ (Superior)
Discounts listed on its site63
Safe-driving appSafePilotDrive Safe & Save

Source: Insurance Information Institute, Facts + Statistics: Auto insurance (NAIC data via S&P Global Market Intelligence); AM Best press release (news.ambest.com); J.D. Power 2026 U.S. Auto Insurance Study press release.

Which costs less

In 631 state rate guide profiles covering places where both sell, USAA was the cheaper choice 559 times out of 631.

The price you pay can be different, because each company weighs age, record and car in its own way.

State (adult, clean record)USAA a yearState Farm a year
Colorado$2,806$4,116
District of Columbia$734$942
Maryland$2,971$3,574
Oklahoma$1,384$3,652
South Carolina$339$786
Texas$747$999

Source: Colorado Division of Insurance (DORA): Auto Insurance Premiums Report (Ins_Survey_Reports, AUTO); DC DISB: 2024 Auto Premium Comparison 08-15-2024 (Sample Profiles, 6 month policy); Maryland Insurance Administration: Auto Insurance: A Comparison Guide to Rates (As of August 2026); Oklahoma Insurance Department: Auto Insurance Rate Comparison (Updated September 2026); South Carolina Department of Insurance: Price Comparison Tool, Sample Auto Rates (SampleRates.aspx?Id=Auto results); HelpInsure.com Auto FAQ (TDI).

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