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. 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 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.
If you have very poor credit, Farmers could be the way to go. On average, Farmers offers better rates than 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 AAA:
|Credit score||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'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 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.
|Violation||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 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 AAA: the former's average annual rates are $3,738 less than the latter's..
|Age tier||AAA avg. annual premium||Farmers avg. annual premium|
Setting aside cost, 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 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 Original Owner Discount, and maintains a wide-ranging rewards program for AAA members.||Farmers offers an additional discount for seniors.|
|Recent Questions||Can a bank add insurance to my loan when I already have insurance?|
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.Can 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.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.See More Questions
|Should senior citizens carry collision insurance?|
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.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.See More Questions
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|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|