State Farm vs USAA Renters Insurance — Which Is Better?
State Farm renters insurance starts at $15/mo (rated 4.3/5), while USAA starts at $10/mo (rated 4.8/5). Both cover personal property up to $100K.
| Feature | State Farm | USAA |
|---|---|---|
| Monthly Cost | $15–$30 | $10–$20 |
| Coverage | $15K–$100K | $15K–$100K |
| Deductible | $500, $1000 | $250, $500 |
| Rating | 4.3/5 | 4.8/5 |
| Best For | Renters who want a local agent... | Active military, veterans, and military families... |
State Farm highlights
- 19,000+ local agents nationwide
- Multi-policy discount with auto insurance
- Replacement cost coverage standard
- Identity theft restoration included
USAA highlights
- Military-exclusive membership required
- Replacement cost coverage standard
- Worldwide personal property coverage
- Uniformed Services coverage for deployment situations
The verdict
Choose State Farm if...
Renters who want a local agent and plan to bundle with auto insurance. Standout advantage: largest agent network in the us.
Choose USAA if...
Active military, veterans, and military families. Standout advantage: lowest complaint ratio of any major insurer (0.31).
More comparisons
●Frequently Asked Questions
Frequently Asked Questions
Is State Farm or USAA cheaper for renters insurance?
USAA is typically cheaper. State Farm starts at $15/mo while USAA starts at $10/mo. Actual pricing depends on your location and coverage amount.
Which is better — State Farm or USAA renters insurance?
It depends on what you need. State Farm (4.3/5) is best for renters who want a local agent and plan to bundle with auto insurance. USAA (4.8/5) is best for active military, veterans, and military families.
Does State Farm or USAA have better claims?
USAA has the higher customer satisfaction rating at 4.8/5. State Farm's key advantage: largest agent network in the us. USAA's key advantage: lowest complaint ratio of any major insurer (0.31).
Can I switch from State Farm to USAA mid-lease?
Yes. You can switch renters insurance providers at any time — there's no penalty. Cancel your current policy after the new one is active to avoid a coverage gap.
DepositHawk protects renters’ money. See what we do.
DepositHawk is not a law firm and does not provide legal advice. Information and documents are for informational purposes only. No attorney-client relationship is created. Consult a licensed attorney for advice specific to your situation.