Compare AAA vs. Farmers Insurance

Get affordable car insurance quotes from top companies like AAA and Farmers Compare Auto Insurance Rates

AAA and Farmers are both huge names in the auto insurance industry. Both have an A+ rating from the Better Business Bureau, and high financial ratings from A.M. Best and Standard and Poor’s.

Both offer customers a wide range of auto discount. But AAA’s tops Farmers’ thanks to options like pay-in-full, new vehicle, annual mileage, and defensive driver discounts. Both companies have good roadside service and discount options. But Farmers’ financial strength and customer satisfaction trumps those of AAA's.

Best If/Worst If

  AAA Farmers
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Worst If AAA
  • You constantly need service calls. AAA only provides four service calls per cardholder per year. Anything beyond that costs extra
Farmers
  • You want slick online tools to manage your policy

Special Car Insurance Discounts

AAA Farmers
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Farmers

Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low.

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Comparing quotes is the best way to get the lowest rates from top insurers like AAA and Farmers. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Farmers
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Farmers
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Farmers
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Farmers
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Farmers
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Farmers
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Farmers Auto Insurance
2016 167
2015 262
2014 237
2013 300

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Farmers Auto Insurance
Overall Purchase Experience Average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative Above average --
Insurer Website Average Below average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Farmers Auto Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Average
Service Interaction Above average Above average
Appraisal Average Average
Repair Process Among the best Average
Rental Car Experience Above average Average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Farmers Auto Insurance
A.M. Best A+ A
Moody's -- Aa3
S&P's A A+

Mobile Apps

AAA Farmers
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Farmers

Farmers Insurance Mobile App

helps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:

  • View the details of your coverage policy
  • Get updates from a message center
  • Have instant access with a “Keep Me Logged In” feature

Download the Farmers Insurance Mobile App.

Roadside Assistance

AAA Farmers
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150.

Farmers’ Roadside Emergency Safety Contact Number

Call 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services.