AAA vs. Farmers: Which Is the Best? (2025)
The number of coverage and discount options from Farmers make it the better option for many drivers.
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Written byA.M. Steinbach
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Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Farmers and AAA are both large insurers that offer a wide range of coverages and discounts. While Farmers is a typical national insurer, AAA is a not-for-profit motor club with different regional insurance groups. Drivers must have a membership to purchase AAA auto insurance policies.
Different drivers have different needs. Comparing multiple companies across key characteristics, like customer reviews, coverage options, and price, can help you find the right insurer. Your age, driving history, and location will determine your car insurance rates.
Here’s what you need to know about coverage from Farmers and AAA.
Quick Facts
Farmers has more discount offerings than AAA.
Both companies offer telematics programs that reward safe driving.
Of the two insurers, only AAA offers gap insurance.
AAA vs. Farmers: The verdict
Both companies have solid coverage and discount offerings, but Farmers has more than AAA’s regional companies. AAA’s coverage options may vary based on the state you live in. Only members qualify for AAA’s insurance program, which limits access to the company’s coverage.
Farmers earned below-average customer satisfaction scores in the J.D. Power 2023 U.S. Auto Insurance Study. AAA regional companies earned mixed customer satisfaction scores in the same study, with a range of below-average and average scores.
The average cost of coverage from Farmers is slightly above the national average, while average rates from CSAA — a regional AAA company — come in below the national average. Receiving a quote from your regional AAA club will give you a better sense of how these two options stack up.
Factor  | AAA | Farmers |
|---|---|---|
| IQ Score | 8.5 | 8.5 |
| J.D. Power customer satisfaction score | 820 out of 1,000 | 802 out of 1,000 |
| Average quote: liability only | $125 | $110 |
| Number of discounts | 10 | 22 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
AAA
AAA is the 11th-largest car insurance company in the country by market share and offers coverage through different regional insurance clubs, including CSAA and Auto Club of Southern California. The company received a below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC).
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $125/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $156/mo |
4.5
Best choiceBased on 2,292 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (482)
Sandra
Verified Review
I've been with them for some time now and I'm not sure if they're the best for me right
Reviewed in Minnesota on November 2025
I feel the rates really went up after we had claims that weren't our fault, but otherwise, it was alright.
Catherine
Verified Review
AAA is great
Reviewed in Pennsylvania on November 2025
Very good to deal with.
Patricia
Verified Review
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
Reviewed in Illinois on October 2025
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
When AAA began in 1902, it was a small, members-only motor club. The organization introduced insurance coverage for members a few decades later. Other aspects of the club, like exclusive discounts, travel help, and emergency roadside assistance, have stayed the same throughout the years. Today, the company partners with regional insurance companies to offer insurance coverage for millions of members.
Pros
Unique membership perks like travel discounts and members only DMV locations
Standard extra coverage such as roadside assistance
High customer satisfaction
Cons
Limited company options
AAA membership is required to obtain coverage
Coverage varies based on location
Farmers
Farmers is the seventh-largest car insurance company in the country by market share and offers coverage in all 50 states. Farmers has an above-average number of customer complaints filed with the NAIC for a company of its size. The company sells a range of insurance products, including home, life, and business insurance.
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $110/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $213/mo |
3.8
A solid optionBased on 2,362 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,114)
Joe
Verified Review
A Bit of a Communication Issue with Farmers
Reviewed in Missouri on November 2025
It's been a bit difficult lately to directly contact the agent who initially signed me up and saved me a lot of money on my home insurance bundled with my auto insurance. The office assistant got me insurance for a new vehicle recently, but I think the rate is too high. I am going to attempt to get through to the agent I used initially. It could be just the issue of using the phone instead of a direct email to the person I am referring to.
Larry
Verified Review
Car Insurance Choices
Reviewed in Nebraska on November 2025
In my opinion, Farmer's best trait is they really do listen to what you tell them and try to do it.
Marcelo
Verified Review
The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.
Reviewed in Texas on November 2025
The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Farmers Insurance sells policies in 42 states, and its more than 30 insurance offerings include auto, home, renters, earthquake, life, business, and pet insurance. Farmers has more than 20 auto insurance discount options, providing many ways drivers can save on premiums. Drivers can qualify for discounts by bundling policies, paying in full, being accident-free for five years, installing anti-theft devices, and taking a defensive driving course, among other things. Farmers also receives fewer customer complaints than the market average with the National Association of Insurance Commissioners.
Pros
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Cons
Lower customer satisfaction scores from J.D. Power
Tends to have higher premiums than some competitors
Not available in every state
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AAA SMARTtrek vs. Farmers Signal
AAA and Farmers both offer telematics programs that use mobile apps to track driving behavior. Drivers who enroll in telematics programs and practice safe driving can lower their rates.
SMARTtrek from AAA Insurance can save drivers up to 10% on their initial policy term when they enroll in the program, then an additional 20% based on driving behavior. Drivers simply download the SMARTtrek app, which tracks driving and gives helpful feedback. The app has a high rating of 4.0 out of 5 in the Apple App Store, but some customers criticize the app’s accuracy.
Drivers who enroll in the Farmers Signal program receive an initial 5% discount and can earn more discounts if they drive safely. Additionally, all drivers who receive a safe driving score higher than 80% in Signal can participate in a drawing for a reward of up to $100. The Signal by Farmers app has a 4.8 rating, with drivers praising the app’s interface and the program’s discounts.
AAA vs. Farmers: Which is the cheapest?
Policyholders with Farmers pay $110 per month for liability-only insurance and $213 for full coverage, on average. This is slightly above the national averages of $100 per month for liability and $177 for full coverage.
Average rates from AAA are lower, at $125 per month for liability-only insurance and $156 for full-coverage insurance.
Keep in Mind
Your quote will vary based on your age, driving history, vehicle choice, credit, ZIP code, and more. For example, a middle-aged driver of a Honda Civic with a clean driving record will likely pay less than a teen driver of a sports car with an accident on their record.
AAA: Cheapest for drivers with a clean driving record
Drivers who maintain a clean driving record typically pay lower rates than people with one or more incidents on their driving record. Compare liability quotes from AAA and Farmers below.
Driver Type | AAA | Farmers |
|---|---|---|
| Clean driving record | $125 | $110 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
AAA: Cheapest for drivers with a speeding ticket
Having a speeding ticket on your record will often result in increased rates. After receiving a ticket, drivers with coverage from Farmers typically pay more per month for car insurance than drivers with AAA.
Driver Type | AAA | Farmers |
|---|---|---|
| Drivers with a speeding ticket | $156 | $140 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
AAA: Cheapest for teen drivers
Teens usually pay the highest rates and may have a difficult time finding affordable premiums. Young drivers who choose AAA pay lower average rates compared to young drivers who choose Farmers. Compare average rates for 18-year-olds below.
Driver Type | AAA | Farmers |
|---|---|---|
| 18-year-old | $198 | $231 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
AAA: Cheapest for drivers with bad credit
AAA Insurance is cheaper for drivers with bad credit, on average. Compare specific rates for drivers with bad credit below.
Driver Type | AAA | Farmers |
|---|---|---|
| Drivers with bad credit | $134 | $134 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
AAA: Cheapest for senior drivers
Senior drivers with AAA pay lower average rates compared to seniors with Farmers Insurance. Compare average rates for drivers older than 60 in the table below.
Driver Type | AAA | Farmers |
|---|---|---|
| Senior drivers | $87 | $80 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: AAA vs. Farmers
AAA and Farmers both offer standard auto insurance coverages, which include bodily injury liability, property damage liability, personal injury protection, uninsured/underinsured motorist coverage, medical payments coverage, collision coverage, and comprehensive coverage.
Both companies offer a range of optional insurance products. Drivers looking for gap insurance will want to choose AAA because Farmers doesn’t offer it. Meanwhile, drivers hoping for rideshare coverage should opt for Farmers.
The table below outlines which companies offer which additional coverages.
Coverage | AAA | Farmers |
|---|---|---|
| Gap insurance | Yes | No |
| Roadside assistance | Yes | Yes |
| Rental reimbursement | Yes | Yes |
| Rideshare insurance | No | Yes |
| Collector car insurance | Yes | Yes |
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Compare discounts: AAA vs. Farmers
Farmers offers more discounts for drivers compared to AAA, though both insurers’ offerings will vary on a state-by-state basis. Choosing Farmers might be a good idea if you’re looking for safe driving discounts, a student away at school discount, and discounts for military service members.
Farmers and AAA offer bundling discounts to consumers who also purchase homeowners insurance, life insurance, or other types of insurance coverage from them. Visit each company’s official site or speak to an insurance agent to learn how much you can save.
Drivers should note that although AAA offers fewer discounts, it generally has lower rates than Farmers.
Discount | AAA | Farmers |
|---|---|---|
| Clean driving record | No | Yes |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | Yes | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | No | Yes |
| New car | No | No |
| Military affiliation | No | Yes |
| Good student | Yes | Yes |
| Loyalty | Yes | No |
| Auto pay | Yes | Yes |
| Student away at school | No | Yes |
| Homeowner | No | Yes |
| Alternative fuel | No | Yes (CA only) |
AAA vs. Farmers FAQs
To decide on the right insurance company for you, you should compare quotes from multiple auto insurers. The following information should help answer your remaining questions about insurance policies from AAA and Farmers.
Who is AAA’s biggest competitor?
As a midsize insurer with a solid national footprint, AAA is competing with similar-sized auto insurance companies, like Safeco, Erie Insurance, Mercury, American Family, and The Hartford.
Does Farmers Insurance have a good reputation?
Farmers has an A (Excellent) financial strength rating from AM Best, which underscores the company’s reputation as a legitimate insurer with the ability to pay out claims. The company has a mixed customer service reputation, with a below-average J.D. Power score and a low Trustpilot rating.
What are the pros and cons of AAA?
AAA offers affordable rates and a wide array of coverage options, including gap insurance. Unfortunately, AAA isn’t the best option for drivers who need rideshare coverage or want access to extensive car insurance discounts.
Who are the insurance competitors of Farmers?
Farmers is a large national insurer that competes with other big names in the industry, such as Allstate, State Farm, Liberty Mutual, GEICO, Progressive, and Travelers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
A.M. has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.