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AAA vs. Farmers: Which provider is better?

AAA vs. Farmers


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

Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.

  • Plenty of discounts
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents across the US
  • Get rewarded for good driving habits
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents




About the provider
About the brand Member benefits extend beyond car insurance to offer discounts, bike coverage and more. Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
States served
States served All 50 states All 50 states


Roadside assistance
Roadside assistance Included free Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance Yes
Claims methods
Claims methods online
Payment schedule
Payment schedule 12 months
6 months


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
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.

Compare up to 4 providers

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