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AAA vs. Farmers: Which provider is better?

AAA vs. Farmers

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Fact checked

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.

Our top pick: Farmers

Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.

  • Many savings opportunities with 13+ discounts
  • Personalized service through 50,000 local agents
  • Optional extras like accident forgiveness, custom parts or rideshare coverage

AAA

Farmers

OVERVIEW

OVERVIEW
About the provider
About the brand Member benefits extend beyond car insurance to offer discounts, bike coverage and more. 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 All 50 states 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 No 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 No
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 No
Student discount
Student discount Yes, up to 14% Yes
Usage based discount
Usage based discount No No
Learn more
Learn more

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
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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