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, and maintains a wide-ranging rewards program for AAA members.||Farmers offers an additional discount for seniors.|
|Recent Questions||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.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.See More Questions
|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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