AAA vs. Farmers

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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. 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.

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

 

Compare AAA vs. Farmers auto insurance rates

 

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 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 INSURANCE RATE COMPARISON: FARMERS VS. AAA
Credit scoreAAA 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
 

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 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. AAA
ViolationAAA 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
 

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 AAA: the former's average annual rates are $3,738 less than the latter's..

 
RATES BY AGE BRACKET: FARMERS VS. AAA
Age tierAAA 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, 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 SuperiorExcellent
JD Power Rankings Below averageBelow average
User Satisfaction 4.2/54.2/5
Other ProductsAuto Club (AAA)Farmers
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
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 Original Owner Discount, and maintains a wide-ranging rewards program for AAA members.Farmers offers an additional discount for seniors.
Recent QuestionsCan 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&nbsp;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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