AAA vs Farmers: Which is Better for You?

Read on to see which company is best for you.

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Ross Martin

Insurance Writer

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  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

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  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

AAA or Farmers: Which company is best for you?

As some of the larger insurers in the country, both AAA and Farmers have a number of coverages to choose from. Farmers has long been one of the most popular insurance carriers, offering a number of great options. While AAA may be better known for its roadside assistance program and membership benefits, its insurance offerings are also substantial. Dive into our comparison to see which company may be a better fit for you.

AAA car insurance

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Motorists probably know of AAA primarily for its roadside assistance programs, though the company also offers a wide range of car insurance options to its members. In most cases, coverage is not provided by AAA themselves, but through partner companies. AAA simply acts as an intermediary, meaning that coverage options and experiences can be vastly different based on location. Also of note, customers must first be AAA members to be eligible for coverage.

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Pros Cons
  • Many bundling options
  • Additional membership benefits
  • Numerous discount opportunities
  • Lack of robust coverage options
  • Customer satisfaction scores are low

Farmers car insurance

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Farmers offers customers a number of discount opportunities as well as a wide selection of highly-customizable coverage types. In general, the company receives fewer customer complaints than average. However, overall customer satisfaction may suffer. Farmers allows customers to combine car insurance with homeowners, renters and life insurance policies, which adds convenience and may lead to savings. Read more about Farmers car insurance below.

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Pros Cons
  • Customizable coverage options
  • Bundling opportunities
  • Lots of discount options
  • Overall customer satisfaction scores are poor
  • Higher than average rates                          

Which company comes out on top?

Farmers


Farmers is the winner due to its customer satisfaction scores, coverage options and overall pricing.


AAA vs. Farmers: car insurance rate comparison

Choosing the right auto insurance policy can be tough: rates vary based on your location, vehicle and driving record. To aid in your search, we've gathered average rates from Farmers and AAA. These take into consideration a variety of rating factors, including credit history, driving record, and age. Examine these tables below to help guide you to a policy that's right for you.

Cheapest average rates
Cheapest average rates

The insurer with the cheapest rates is Farmers at $131 per month on average. AAA averages $151 per month, only slightly more expensive.


AAA vs. Farmers: pricing by credit score

If you have very poor credit, Farmers will be the best option for you. Typically, Farmers offers better rates than AAA across all credit tiers. Drivers with exceptional credit — a score of 800-plus — should also lean toward Farmers, which typically beats AAA by nearly $1,500 annually. View typical insurance rates by credit level for Farmers and AAA below.

 

RATES BY CREDIT LEVEL: FARMERS VS. AAA
Credit level AAA avg. annual premium Farmers 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

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

AAA vs. Farmers: rates for high-risk drivers

If you've got an at-fault crash, speeding ticket, reckless driving violation or DWI on your driving record, Farmers is likely to be a better choice than AAA. Each auto insurance company prices policies differently after a violation, so don't be afraid to shop for multiple quotes to see which insurer suits you.

 

RATES BY CITATION: FARMERS VS. AAA
Citation 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
DUI/DWI $5,530 $3,239
Reckless driving $5,530 $4,636
Speeding ticket $4,078 $2,045

AAA vs. Farmers: rates by age

Auto insurance companies use a driver's age to help determine risk, pricing premiums accordingly. An auto insurance policy is commonly far more expensive for teen drivers — thanks primarily to their inexperience behind the wheel — and most affordable for middle-aged drivers. Because every car insurance company places a different weight on driver age, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should probably avoid AAA: Farmers offers average yearly savings of $3,738 versus AAA.

 

RATES BY AGE: FARMERS VS. AAA
Age tier AAA avg. annual premium Farmers avg. annual premium
Teens $10,256 $6,518
20s $4,644 $2,020
30s $4,644 $2,020
40s $3,195 $1,511
50s $3,083 $1,507
60s $2,887 $1,402

Costs aside, AAA and Farmers each have pros and cons ranging from their customer satisfaction ratings to their discount programs. In order to make an informed insurance decision, get quotes and compare rates before buying a policy.

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Ratings comparison: AAA vs. Farmers

Being among the largest insurance companies in the country, AAA and Farmers have numerous reviews and ratings from both customers and third-party organizations. We've compiled a list of some of the most recent ratings to help you determine each company's customer satisfaction level, complaint ratio and fiscal security scores.

AAA vs. Farmers
Ratings comparison AAA Farmers
Financial strength (A.M. Best) Superior Excellent
JD Power (claims satisfaction) Below average Excellent
JD Power (customer satisfaction) Average Below average
NAIC rating Poor Above average
The Zebra's editorial review score 3/5 4/5
The Zebra's Customer Satisfaction Survey 4.2/5 4.3/5

Which company scores best?

Farmers


Farmers receives better scores than AAA in studies focused on claims satisfaction and customer complaints, while AAA is backed by strong financials. The Zebra's editorial reviews also place Farmers slightly higher, coming in at 4.0 to AAA's 3.0 out of five.


The Zebra's Customer Satisfaction Survey

The Zebra conducted its own survey to discover how customers view insurance companies based on a number of factors. Below you'll find how both companies performed.

ZCSS logo
AAA

Among the carriers on our survey, AAA ranked 13th (out of 15) with a score of 4.2. In general, the company placed near the bottom in almost every category.

  • Younger respondents had a more favorable view than older drivers
  • Best scores came in the trust category
survey logo
Farmers

Farmers consistently ranked near the lower third of companies included in our survey. However, the company ranked 6th overall for claims satisfaction, indicating that customers are happy overall with the process. Among respondents, Farmers did best among younger drivers.

  • Farmers auto insurance placed 10th overall
  • Millennial and Gen X respondents rated Farmers higher overall
  • Scored highest for claims satisfaction

The Zebra Customer Satisfaction Survey methodology

Methodology:

These results are based on a survey of 2,722 U.S. insurance policyholders assessing satisfaction with their car and homeowners insurance providers. The survey was conducted using Survey Monkey and designed by our in-house team. It aimed to collect detailed insights from a census-balanced sample reflecting age, gender, and region.

Questionnaire

The questionnaire included demographic questions about age and gender identification and detailed inquiries into insurance experiences. Key topics:

  • Duration with insurance provider and coverage specifics, including teen drivers.
  • Claim filing experiences and satisfaction with claims handling.
  • Customer service interactions, trust in providers, and likelihood of recommending their insurance.
  • Use and satisfaction with digital tools and usage-based insurance programs.

Respondents rated their satisfaction on a Likert scale from 1 to 10 and provided qualitative feedback.

Data Analysis

Data were analyzed focusing on descriptive and inferential statistics to identify satisfaction trends and demographic impacts. Data cleaning and weighting were applied to ensure accuracy, alongside strict confidentiality protocols to protect data security.


AAA vs. Farmers: discount comparison

Auto insurance companies often give eligible customers more opportunities to save money. Below you can see a head-to-head rundown of discount options for both AAA and Farmers.

AAA vs. Farmers: discount comparison
Discount comparison 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

Due to AAA's partnerships with other car insurance companies to provide policies, some of these discount options may not be available in some locations. Always ask about what discounts you are eligible for when shopping for your policy.


Telematics options: AAA vs. Farmers

Both AAA and Farmers offer telematics options, though AAA's is somewhat less developed. Find out more about each company's mobile app selection below. 

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AAA OnBoard

Depending on the state in which they reside, some customers may be able to sign up for OnBoard, AAA's telematics option. The company boasts savings of 15% at sign-up, with total savings of up to 30% possible for eligible drivers. However, there is no separate app at the time of writing, meaning that all participants must download the AAA mobile app.

farmers logo
Farmers Insurance Signal

Signal is Farmers' telematics option. The company touts a 5% discount for signing up, with the promise of up to 15% savings for qualifying drivers. The company also offers an additional 10% savings for drivers under the age of 25 who enroll. 

Furthermore, drivers enrolled in Farmers Signal with a driving score of at least 80% are eligible to win up to $100 in rewards each month. Be aware that Signal is not available in every state, and that further restrictions may be imposed depending on where you live. 

Zebra Tip: Explore Farmers for telematics offerings


Most customers interested in telematics insurance will find Farmers' offering to be the better option.


Roadside assistance: AAA vs. Farmers

No one wants to be broken down on the side of the road. To get you moving again, adding an optional roadside assistance package can be a great idea. Below you'll find a breakdown of the different types of roadside assistance available from each company.

AAA

Perhaps no other company is more closely associated with roadside assistance than AAA. For that reason, it's no surprise that the company has an expansive selection of options available to both members and policyholders. Below is a list of options available:

  • Jumpstarts
  • Towing
  • Fuel delivery
  • Vehicle lockout
  • flat tire service
  • Stuck vehicle services

AAA offers different levels of membership that apply to roadside assistance. Those in higher tiers are often reimbursed for larger amounts or eligible for towing for longer distances. The highest tier even offers trip interruption coverage.

 

Farmers

Farmers roadside assistance covers up to $150 per incident (with special limits in North Carolina, Texas and Virginia) for the following services:

  • Towing
  • Battery jump start
  • Flat-tire change
  • Winching services
  • Lock-out services

To contact Farmers Roadside Service, call 1-800-435-7764.

tow truck

AAA vs. Farmers: home insurance

To go along with their auto insurance coverage, both AAA and Farmers have a large presence in the homeowners insurance industry. Each company has unique coverage options and pricing. See our comparison to find out which company might be the best fit for your home insurance needs.

AAA homeowners insurance review

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As with AAA's car insurance offering, the company partners with a number of affiliated insurers to provide homeowners coverage. These companies include CSAA and Auto Club Indemnity Company. Ratings of AAA's home insurance offering are a composite of these companies in an effort to give a broad idea of what customers can expect.

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4 stars Rating from The Zebra
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  • The Zebra Customer Satisfaction Survey — 4.2/5: AAA ranked 14th in the overall homeowners carrier category of The Zebra Customer Satisfaction Survey.
  • Customer Service (J.D. Power) — Below Average: The average J.D. Power ranking of CSAA and Auto Club of Southern California Insurance group comes in just shy of the average for customer satisfaction. 
  • Financial Strength (AM Best) — Excellent: With a financial rating of “excellent,” you can rest assured AAA will be able to handle your claims.
  • Claims Satisfaction (NAIC) — Fewer complaints than average: The average number of complaints across different branches of AAA homeowners insurance companies is fewer than average.

Farmers homeowners review

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Farmers remains a popular option for homeowners insurance and offers flexible coverage and reasonable prices. The company earned roughly average reviews from various third-party reviewers and consumers and placed 7th overall for homeowners insurance in The Zebra's Customer Satisfaction Survey.

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  • The Zebra Customer Satisfaction Survey — 4.3/5: Farmers placed 7th overall in The Zebra's homeowners insurance customer survey. 
  • Claims satisfaction (J.D. Power) — Average: J.D. Power's property claims satisfaction study for 2021 gave Farmers an average score of 884 out of 1,000.
  • Customer satisfaction — (J.D. Power) — Average: Farmers earned an average score in J.D. Power's study of customer satisfaction. 
  • Financial strength — Excellent: AM Best rates Farmers highly, meaning the company is in good financial shape.
  • NAIC Rating — Above Average: Farmers received fewer complaints than did other major homeowners insurance companies.

Which company comes out on top?

Tie


In this case, both companies are very close in terms of ratings, customer reviews and product offerings. As a prospective customer, be sure to compare quotes and available coverage from both companies (if eligible) to see which is best for your unique coverage needs.


AAA vs. Farmers: home insurance rate comparison

The average annual home insurance rates for AAA are $1,212. Farmers' rates are somewhat higher at $1,455. Farmers and AAA, like all insurers, have different methods of underwriting and place more importance on certain factors. Because of this, it's important to remember that your quotes may not match our examples exactly as these are merely averages. 

Similar to car insurance, homeowners insurance rates can vary based on certain personal and location factors. Companies use not only your insurance history when putting together your quotes, but also historical data for the neighborhood, including crime rates, location to fire fighting services, and the likelihood of natural disasters. 

Cheapest average rates
Cheapest average rates

The insurer with the cheapest home insurance rates is AAA at around $101 per month, cheaper than Farmers' average of $121 per month.

The Zebra’s homeowners insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.


AAA vs. Farmers: homeowners discount comparison

Both AAA and Farmers provide money-saving home insurance discounts to policyholders who meet certain criteria. Compare available discounts from each company below.

AAA VS. FARMERS: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison AAA Farmers
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Auto pay
Newer home
Non-smoking
Smart home

Zebra tip: Check out Farmers if you are seeking home insurance discounts


Farmers offers more discount options than AAA for qualifying customers, including for new smart home features. Bear in mind, however, that this doesn't necessarily mean that they will be cheaper for everyone.


Other insurance products and bundling options

Both AAA and Farmers have a wide variety of insurance products available. Most of these can be bundled together for additional savings. See how the product offerings from AAA and Farmers compare below.

AAA vs. Farmers: other insurance products
Other products AAA Farmers
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
Offroad vehicles and ATVs
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.