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AAA vs. Farmers: Which provider is better?

AAA vs. Farmers

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Roslyn McKenna
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AAA and Farmers are both well-known brands in the US. AAA was establish more than 100 years ago, while Farmers has been around since 1928. If you’re considering these two providers for car insurance, we’e got the information you need to make your decision.

In addition to roadside assistance, AAA also offers its members car insurance. Because you have to be a member to get coverage through AAA, this will increase the cost of your insurance. But with that membership come rewards like travel planning, home lockout services, 24 hour concierge service and more.

Farmers’ reputation for good customer service earns it an A- from the Better Business Bureau. It also offers both driver and vehicle discounts, which help to make car insurance more affordable.

Still not sure which one to choose? Check out our detailed head-to-head comparison of Farmers and AAA below.

AAA

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Farmers

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OVERVIEW

 OVERVIEW
About the provider
About the brand Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY. Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
States served
States served AK, AZ, CA, MT, NV, UT and WY All 50 states

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Included free Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods online
email
phone
 Online
Phone
Payment schedule
Payment schedule 12 months
6 months
monthly
 12 months
custom
Monthly

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes, up to 37% Yes
Military discount
Military discount No Yes
Multi car discount
Multi car discount Yes, up 27% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes, up to 20% Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes, up to 14% Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more
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Bottom line

If you’re looking for the perks that come with a AAA membership, getting car insurance through AAA might be the best option for you. But if cost is the most important factor, then Farmers might be the way to go. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to AAA and Farmers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Progressive
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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The AARP Auto Insurance Program from the Hartford
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
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Clearcover
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Get quotes
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Root
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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