State Farm vs USAACar insurance compared
Compared: Personal auto policy vs Personal auto policyDocuments checked: November 12, 2026
Short answer
As of November 12, 2026, from Select Your Cover's read of both insurers' documents:
USAA comes out ahead on more of the points we compared (1 of 2), but the right choice depends on you and the price you're quoted. State Farm is stronger on no single point; USAA on am best rating.
Head to head
Safe-driving discount
No clear edge
Not compared: State Farm and USAA's own sources say different things. Open the wording below.
AM Best rating
USAA
USAA: A++ vs A+
Side by side
Pick what matters to you and see which of the two fits. Tap any value to read the exact wording.
State Farm
Personal auto policy
USAA
Personal auto policy
Accident forgiveness
Your price doesn't go up after your first at-fault accident. Some insurers give it free for a clean record; others sell it.
New car replacement
If a newer car is totaled, the insurer pays for a brand-new one instead of its depreciated value.
Gap or loan payoff
Pays what you still owe on a loan or lease when that's more than the car is worth.
Shrinking deductible
Your deductible drops for every claim-free year or six months.
Rental car
Pays for a rental while your car is repaired after a covered claim.
Roadside and towing
Towing, jump starts, lockouts and flat tires. The towing distance is the main difference.
Rideshare drivers
Covers you while the Uber or Lyft app is on, before the rideshare company's own insurance applies.
Safe-driving discount
An app or device tracks your driving and can cut your price. With some insurers, risky driving can raise it.
Not ranked: State Farm and USAA, where two sources for it disagree.
AM Best rating
AM Best grades an insurer's ability to pay claims. A++ is the top grade.
Choose State Farm if…
- Its price for you comes in lower. Get quotes from both.
Choose USAA if…
- ✓ USAA: A++ vs A+
Compare all 9 car insurance insurers →
Common questions
Is State Farm better than USAA?
USAA comes out ahead on more of the points we compared (1 of 2), but the right choice depends on you and the price you're quoted. State Farm is stronger on no single point; USAA on am best rating.
State Farm vs USAA: safe-driving discount?
Not compared: State Farm and USAA's own sources say different things. Open the wording below..
State Farm vs USAA: am best rating?
USAA: A++ vs A+.
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Compares documents downloaded on 2026-11-12. Terms vary by state, and prices depend on you. Not insurance advice, and we are not an insurance agent.