4.8out of 3,000+ reviews

AAA vs Farmers Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

AAA VS Farmers
85
85
What is this?
User Ratings
OptionsAAA Farmers
Rating/Reviews
411 reviews
506 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA Farmers
Call Center RepresentativeThe rest--
Insurer WebsiteThe restAbout average
Local AgentBetter than mostAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageAbout average
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA Farmers
Claim ServicingAbout averageAbout average
Estimation ProcessThe restAbout average
First Notice of Loss (FNOL)The restAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAAA Farmers
California840 pt
Better than most
795 pt
The rest
Central833 pt
Better than most
821 pt
About average
Florida--820 pt
About average
Mid-Atlantic--814 pt
The rest
North Central808 pt
The rest
808 pt
The rest
Northwest--785 pt
The rest
Southwest--797 pt
The rest
Texas821 pt
About average
822 pt
About average
Mobile App Ratings
RegionAAA Farmers
Android
24,330 Reviews
2,565 Reviews
iOS
737 Reviews
538 Reviews
Financial Ratings
OptionsAAA Farmers
A.M. BestAA
Fitch--A+
Moody's--A2
Standard & Poor's--A

Auto Insurance Quotes

For Married Drivers

CityAAA Farmers
Chicago--$124
Phoenix--$126
Santa Monica--$120

For Single Drivers

CityAAA Farmers
Chicago--$117
Phoenix--$120
Santa Monica--$263

For Male Drivers

CityAAA Farmers
Chicago--$129
Phoenix--$129
Santa Monica--$269

For Female Drivers

CityAAA Farmers
Chicago--$112
Phoenix--$117
Santa Monica--$114

For Drivers with Speeding Ticket

CityAAA Farmers
Chicago--$163
Phoenix--$157
Santa Monica--$302

For Drivers with No Speeding Ticket

CityAAA Farmers
Chicago--$111
Phoenix--$116
Santa Monica--$168

For Drivers Age Between 18-40

CityAAA Farmers
Chicago--$120
Phoenix--$123
Santa Monica--$303

For Drivers Age Between 40-65

CityAAA Farmers
Chicago--$115
Phoenix--$118
Santa Monica--$104

For Drivers Age of 65+

CityAAA Farmers
Chicago--$142
Phoenix--$143
Santa Monica--$101

For Drivers with Average Credit

CityAAA Farmers
Chicago--$116
Phoenix--$123
Santa Monica--$149

For Drivers with Fair Credit

CityAAA Farmers
Chicago--$132
Phoenix--$134
Santa Monica--$134

For Drivers with Good Credit

CityAAA Farmers
Chicago--$126
Phoenix--$128
Santa Monica--$140

For Drivers with Excellent Credit

CityAAA Farmers
Chicago--$108
Phoenix--$108
Santa Monica--$343

Quotes & Discounts

Discount typeAAA Farmers
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Varies
teenSMARTUp to 24%Varies
Good DriverUp to 20%Varies
Anti-Theft DeviceUp to 17%Varies
Good StudentUp to 14.5%Varies
Multiple VehicleUp to 12.5%Varies
Multiple PolicyUp to 11.8%Up to 10%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%Varies
Current insuranceUp to 5%--
LoyaltyUp to 5%Varies
Affinity groupVariesVaries
Anti-lock BrakeVariesVaries
Driving trainingVariesVaries
Home OwnerVariesVaries
Low MileageVaries--
Original OwnerVaries--
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving Habits--Varies
E-billing--Varies
EV/Hybrid--Up to 5%
Early Quote--Varies
Electronic Stability Control--Varies
Family--Varies
Good Payer--Varies
Mature driver--Varies
Military--Varies
On Your Own--Varies
Organization--Varies
Paperless documents--Varies
Passive Restraint--Varies
Preferred payment--Varies
Prepay--Varies
Professional organization--Varies
Provider Switch--Varies
Senior Adult--Varies
VIN Etching--Varies
Youth Driving--Varies

Payment Methods

Discount typeAAA Farmers
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
--yes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Phone Payment
--yes

Features and Services

Features and ServicesAAA Farmers
24/7 serviceyes--
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA Farmers
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yesyes
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yesyes
Incident Forgiveness
--yes
Loss of Use Coverage
--yes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yesyes
No Fault Coverage
--yes
Original Equipment Manufacturer Coverage
--yes
Personal/Upgraded Item Coverage
--yes
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Small Claim Forgiveness
--yes
Umbrella Policy
yesyes
Vanishing Deductible
--yes

Uber and Lyft driver insurance

  • AAA
  • Farmers
  • Both

SR‌-22 Insurance by State

  • AAA
  • Farmers
  • Both

Compare Insurance Products

ProductAAA Farmers
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insurance--yes
Earthquake InsuranceEarthquake Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Recreational InsuranceRecreational Insurance--yes
Renters InsuranceRenters Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • Farmers Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.