Auto Club (AAA) vs Farmers Car Insurance

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Auto Club (AAA) or Farmers:
Which Company is Best for You?

Selecting a car insurance company is sometimes difficult: every company's rates differ based on your driving record, age, and location, and every company's discounts vary. Auto Club (AAA) and Farmers are two of the most popular car insurance companies, providing affordable policies across most of the US.

In an effort to simplify the comparison process, we gathered average premiums from Farmers and Auto Club (AAA). These rates cover an array of rating factors, including credit score, driving behavior, and age. Examine these rates and find an affordable policy today.

Seeking more info? Check out our comprehensive reviews of AAA and Farmers.


Compare Auto Club (AAA) vs. Farmers auto insurance rates


Auto Club (AAA) vs. Farmers: prices by credit level

If you have very poor credit, Farmers could be the way to go. On average, Farmers offers better rates than Auto Club (AAA) for prospective clients with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or higher — should favor View average insurance rates by credit level for Farmers and Auto Club (AAA):


CREDIT SCORE INSURANCE RATE COMPARISON: Farmers VS. Auto Club (AAA)
Credit scoreAuto Club (AAA) avg. annual premiumFarmers avg. annual premium
Very Poor (300-579)$6,569$2,633
Fair (580-669)$4,023$1,736
Good (670-739)$3,723$1,882
Very Good (740-799)$3,004$1,459
Exceptional (800-850)$2,814$1,354

Auto Club (AAA) vs. Farmers: high-risk driver rates

If you're dealing with an at-fault accident, speeding violation, reckless driving citation, or DWI in your recent history, Farmers could be a better choice than Auto Club (AAA). Every insurer has different post-violation pricing structures, so don't hesitate to shop around to figure out which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: Farmers VS. Auto Club (AAA)
ViolationAuto Club (AAA) avg. annual premiumFarmers avg. annual premium
At-fault accident (damage < $1,000)$4,078$2,334
At-fault accident (damage > $1,000)$4,002$1,699
DUI/DWI$5,530$3,239
Reckless driving$5,530$4,636
Speeding ticket$4,078$2,045

Auto Club (AAA) vs. Farmers: rates by age

Insurers use a driver's age to indicate risk, pricing premiums accordingly. An auto insurance policy is usually more expensive for teen drivers — because of their inexperience — and more affordable for drivers aged 25 or older. Because every auto insurance company rates age tiers uniquely, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Farmers over Auto Club (AAA): the former's average annual rates are $3,738 less than the latter's..


RATES BY AGE BRACKET: Farmers VS. Auto Club (AAA)
Age tierAuto Club (AAA) avg. annual premiumFarmers avg. annual premium
Teens$10,256$6,518
20s$4,644$2,020
30s$3,248$2,020
40s$3,195$1,511
50s$3,083$1,507
60s$2,887$1,402

Setting aside cost, Auto Club (AAA) and Farmers come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonAuto Club (AAA)Farmers
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAuto Club (AAA)Farmers
Financial Strength GoodExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

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Other FeaturesAuto Club (AAA)Farmers
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.
Roadside AssistanceAAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.
Additional DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.Farmers offers an additional discount for seniors.
Recent QuestionsCan I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
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Are some insurance providers better suited to my needs than others to get the best rate?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
See More Questions
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Auto Club (AAA) vs Farmers

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