AAA vs Farmers

Compare car insurance for AAA vs Farmers by looking at rates and coverage offered. AAA offers more comprehensive coverage while Farmers generally offers lower rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • Both AAA and Farmers are established, reputable insurance providers
  • AAA offers extensive auto coverage options
  • Your location and needs will determine which company is best for you

There are certainly a lot of car insurance companies out there, and it’s often hard to find the right one. When you’ve narrowed down your choices, it’s time to start looking at the fine print which can reveal major differences between your final options.

Use our FREE comparison tool to enter your ZIP code and get insurance quotes now!

AAA and Farmers are both reputable and well-established, but what are the major differences between the two providers?

When looking for the best insurer for your home, business, or car, you need to not only examine the price differences of the policies but also the extra benefits that each company offers.

AAA: Famous for Roadside Assistance


AAA is a member club famous for their roadside assistance program, which solidified their relationship with the last few generations in America.

The children and grandchildren of these previous generations assumed the opinion that AAA was the best insurance company chiefly based upon the fact that their roadside assistance program performed higher compared to their competitors.

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Farmers: Famous for Inexpensive Rates

A direct competitor with the AAA, Farmers remains one of the most trusted insurance companies in America. Their cheaper rates and flat premiums are impressive.

Perhaps the cheaper prices are a result of Farmers having a significant number of customers. They too passed on their influence from grandparents to grandchildren.

Farmers remains one of the few companies with low-priced premiums in America, especially in the southern states.

The great battle between Farmers and AAA is over roadside assistance.

AAA offers a better roadside assistance program and has a generally higher customer satisfaction rating.

Farmers is often cheaper than AAA but lacks some of the comprehensive benefits that make AAA worth the price.

In the end, your choice will be determined by whether you want the extra bells and whistles that AAA provides or if you’d rather pay less for fewer features with Farmers.

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AAA or Farmers Car Insurance

In terms of policies, AAA is more well-known for their car insurance, while Farmers provides more comprehensive life and home insurance plans.

If you’re looking for car insurance, AAA is probably your best bet. If you’re in the business for a life or home insurance deal, then Farmers is probably going to be your best choice.

Both providers will give you a localized quote on their website, which is determined by a number of factors such as your location and income.

Comparatively, Farmers has more offices in the south than AAA.

Clearly the advantages of AAA and Farmers will depend on your needs as well as your location in the United States. 

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