Updated: July 10, 2026
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At $179 per month on average, State Farm costs $7 less per month than USAA's $186, or $83 less per year.
State Farm discounts reward home upgrades like class 4 roofing and wind mitigation, while USAA's savings lean on behavior, with up to 15% off for five or more claim-free years and up to 10% for bundling home and auto policies.
State Farm and USAA both cover water backup, but USAA adds more options, including earthquake protection, Home Sharing Coverage for platforms like Airbnb and the no-cost USAA Wildfire Response program in qualifying states.
MoneyGeek scored State Farm and USAA homeowners insurance across affordability, customer satisfaction and coverage to identify where each insurer leads.
Scores below are out of 5.
| USAA | $2,234 | 4.79 | 4.71 | 5.00 | 4.75 |
| State Farm | $2,151 | 4.49 | 4.73 | 4.31 | 4.04 |
At $2,151 per year on average, State Farm costs $83 less annually than USAA's $2,234, but actual average home insurance premiums vary based on your home's location, coverage limits and credit profile.
Dwelling coverage pays to repair or rebuild your home after a covered loss, so your limit should match your home's full rebuild cost. State Farm is cheaper at four of five coverage levels, though USAA ranks first for $1 million in dwelling coverage at $6,147 per year versus State Farm's $6,292. Compare estimated home insurance costs for State Farm and USAA below, assuming a $1,000 deductible.
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,146 | 1257.03 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $2,151 | 2234.33 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $3,378 | 3603.37 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $4,769 | 4884.00 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $6,292 | 6147.09 |
Depending on where you live, one insurer can be hundreds of dollars cheaper than the other. State Farm is the better deal in Colorado ($2,349 vs. USAA's $4,314), while USAA costs less in Mississippi ($2,811 vs. State Farm's $4,349). The table below compares average annual premiums for both insurers based on $250,000 in dwelling coverage.
| Alabama | $2,698 | $3,720 |
| Alaska | $1,312 | $1,209 |
| Arizona | $1,334 | $1,655 |
| Arkansas | $3,061 | $2,491 |
| California | $986 | $1,351 |
| Colorado | $2,349 | $4,314 |
| Connecticut | $1,897 | $1,289 |
| Delaware | $994 | No Data |
| District of Columbia | $1,308 | $898 |
| Florida | $3,727 | No Data |
| Georgia | $2,656 | $1,930 |
| Hawaii | $433 | No Data |
| Idaho | $1,249 | $1,634 |
| Illinois | $1,726 | $1,766 |
| Indiana | $1,999 | $1,904 |
| Iowa | $2,215 | $1,983 |
| Kansas | $3,010 | No Data |
| Kentucky | $2,369 | No Data |
| Louisiana | $4,502 | $3,453 |
| Maine | $856 | No Data |
| Maryland | $1,537 | $1,488 |
| Massachusetts | $1,520 | $1,187 |
| Michigan | $1,956 | $1,970 |
| Minnesota | $2,682 | No Data |
| Mississippi | $4,349 | $2,811 |
| Missouri | $2,944 | $2,464 |
| Montana | $2,392 | $2,736 |
| Nebraska | $3,874 | $2,566 |
| Nevada | $1,184 | $1,499 |
| New Hampshire | $1,009 | $1,353 |
| New Jersey | $1,332 | $1,359 |
| New Mexico | $1,542 | No Data |
| New York | $980 | No Data |
| North Carolina | $1,274 | $2,644 |
| North Dakota | $2,726 | No Data |
| Ohio | $1,494 | $1,361 |
| Oklahoma | $3,220 | $4,656 |
| Oregon | $1,202 | $882 |
| Pennsylvania | $1,413 | $1,313 |
| Rhode Island | $1,181 | No Data |
| South Carolina | $2,064 | $2,448 |
| South Dakota | $2,900 | $3,734 |
| Tennessee | $2,225 | $2,041 |
| Texas | $4,455 | $4,233 |
| Utah | $1,123 | $1,238 |
| Vermont | $1,020 | $901 |
| Virginia | $1,551 | No Data |
| Washington | $1,369 | $1,592 |
| West Virginia | $1,463 | $1,241 |
| Wisconsin | $1,359 | $1,423 |
| Wyoming | $1,555 | $1,480 |
*Note: In states where there we were unable to get data for State Farm or USAA, “No Data” is shown. This is not representative of the provider's availability in the state. Contact an agent in your area to ask about quotes.
If discounts are a priority, USAA gives you more to work with. Its Claims-Free Discount saves up to 15% after five claim-free years, and it also rewards loyalty, bundling and connected home devices. State Farm's discounts are more limited, focusing on home improvements like impact-resistant roofing and wildfire prevention measures in select states.
Multi-Policy/Bundle | Saves money by combining home and auto with one insurer | ✓ | ✓ |
Protective Device | Cuts costs for installing smoke detectors, fire alarms or security systems | ✓ | ✓ |
Roofing | Available for homes with impact-resistant or class 4 roofing materials | ✓ | ✗ |
Wind Mitigation | Savings for homes meeting FORTIFIED or other approved building standards | ✓ | ✗ |
Wildfire Mitigation | Available in California for taking wildfire prevention measures | ✓ | ✗ |
Connected Home | Saves up to 8% for devices that detect water leaks, smoke or security threats | ✗ | ✓ |
Claims-Free | Saves up to 15% after five or more years without filing a claim | ✗ | ✓ |
Loyalty | Saves up to 5% after three continuous years with USAA | ✗ | ✓ |
Multi-Product | Saves up to 9% for bundling home, life and other USAA products | ✗ | ✓ |
*Discounts reflect provider websites at publication and vary by state. Confirm eligibility with your agent.
Customer service quality is as important as price, especially when you're filing a claim after something goes wrong. USAA scores higher than State Farm on both measures: 5 out of 5 in MoneyGeek's customer experience scoring and 757 out of 1,000 in the J.D. Power 2026 U.S. Property Claims Satisfaction Study, above State Farm's 690 and the study average of 702.
If you want more ways to build out your policy, USAA gives you more to work with. Its eight add-ons include earthquake protection, a free wildfire response program that sends certified firefighters to your home in qualifying states and special coverage for military gear with no deductible. State Farm's five options are simpler, covering things like Home Systems Protection and Scheduled Personal Property for high-value items.
Water Backup | Covers damage from water or sewage backing up through drains or plumbing | ✓ | ✓ |
Home Systems Protection | Covers repair or replacement of systems and appliances that break down | ✓ | ✗ |
Identity Theft | Covers recovery costs related to identity fraud for $25 per year | ✓ | ✗ |
Scheduled Personal Property | Replacement cost coverage for high-value items like jewelry or sports equipment | ✓ | ✗ |
Umbrella Insurance | Extra liability protection beyond standard policy limits | ✓ | ✗ |
Earthquake | Covers home and belongings damaged by earthquakes or tremors | ✗ | ✓ |
Home Sharing Coverage | Raises liability and personal property limits when renting your home short-term | ✗ | ✓ |
Home Protector | Adds 25% more dwelling coverage when a covered loss exceeds your limit | ✗ | ✓ |
Personal Injury | Covers accusations of libel, slander or defamation | ✗ | ✓ |
Replacement Cost Coverage | Pays to replace belongings at current value with no depreciation | ✗ | ✓ |
Special Coverage for Military | Active-duty members pay no deductible on covered losses for military gear | ✗ | ✓ |
Wildfire Response Program | Sends certified firefighters to help protect your home at no extra cost in qualifying states | ✗ | ✓ |
*Note: List of coverages is based on what’s available on the provider’s website at the time of writing. Actual availability of coverages varies by state. Speak with your agent to see what coverage is offered in your state.
State Farm is the more affordable option at $2,151 per year versus USAA's $2,234, but USAA earns the higher overall score: 4.8 out of 5 to State Farm's 4.5. USAA's edge comes from its perfect customer experience score and a coverage score of 4.75, backed by add-ons like earthquake protection, Home Sharing Coverage and a free wildfire response program.
State Farm keeps things simpler with Home Systems Protection, Identity Theft coverage and Scheduled Personal Property for high-value items. At the end of the day, the best home insurance is the one that fits your budget, your home and how much coverage you actually need.
State Farm costs less at most coverage levels. At $250K dwelling coverage, it averages $2,151 per year versus USAA's $2,234. State Farm holds the price advantage at four of five coverage tiers, with USAA only pulling ahead at the $1MM dwelling level ($6,147 vs. $6,292).
No. USAA is only available to active-duty military members, veterans and their immediate family. If you don't qualify, State Farm is the more widely available option and still comes in well below the national average.
USAA has the clear edge. It earns a perfect 5 out of 5 in MoneyGeek's customer experience scoring and a 757 out of 1,000 in the J.D. Power 2026 U.S. Property Claims Satisfaction Study. State Farm scores 4.31 with MoneyGeek and 690 with J.D. Power, putting it below the study average of 702.
To compare USAA and State Farm, we used a consistent profile: a 40-year-old homeowner, a 2,500-square-foot single-family home, $250,000 in dwelling coverage and good credit with no recent claims. We weighted affordability at 55%, customer experience at 35% and coverage options at 10%, pulling J.D. Power data to measure claims and service quality. The same scoring system applied to both insurers so the results are a direct apples-to-apples comparison. See our full home insurance methodology for more detail.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
