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Choosing a car insurance company is complex: the rates each insurer offers can vary widely based on your driving record, location, and age, and every company's discounts vary. Auto Club (AAA) and Farmers are counted among the US' most popular insurance companies, providing competitively priced coverage across most of the US.
To take the sting out of shopping for car insurance, we gathered typical policy rates from Farmers and Auto Club (AAA). These take into account myriad rating factors, chief among which are credit score, driving infractions, and demographics. Compare rates and find your next car insurance policy today.
If you have very poor credit, Farmers could be a better option for you. On average, Farmers offers more affordable rates than Auto Club (AAA) for drivers with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800 or better — should opt for Check out average insurance rates by credit tier for Farmers and Auto Club (AAA) below.
|Credit level||Auto Club (AAA) avg. annual premium||Farmers avg. annual premium|
|Very Poor (300-579)||$6,569||$2,633|
|Very Good (740-799)||$3,004||$1,459|
If you are carrying an at-fault accident, ticket, reckless driving citation, or DUI on your résumé, Farmers could be a better choice than Auto Club (AAA). Each insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to figure out which insurer is best for you.
|Violation||Auto Club (AAA) avg. annual premium||Farmers avg. annual premium|
|At-fault accident (damage < $1,000)||$4,078||$2,334|
|At-fault accident (damage > $1,000)||$4,002||$1,699|
Insurers use a driver's age to outline potential risk, pricing premiums accordingly. Insurance is typically expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because every auto insurance company prices age tiers uniquely, it's smart to shop around and find the perfect policy for you.
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..
|Age tier||Auto Club (AAA) avg. annual premium||Farmers avg. annual premium|
Costs aside, Auto Club (AAA) and Farmers both have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||Auto Club (AAA)||Farmers|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||Farmers|
|JD Power Rankings|
|Other Products||Auto Club (AAA)||Farmers|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Auto Club (AAA)||Farmers|
|About||Auto 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 Assistance||AAA 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 Discounts||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.||Farmers offers an additional discount for seniors.|
|Compare More||Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA||Farmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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