Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Sep 9, 2019

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When shopping for car insurance, hundreds of questions float to the surface. Among them is, which auto insurance company to choose. There are almost as many car insurance companies as the number of questions you may have insuring your automobile.

Two big names that might come up are AAA and Farmers Auto. Each is an old, well-known American company that offers a wide range of services. What are the differences? Well, there are quite a few.

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About AAA Motor Club

AAA was founded over a hundred years ago as a motorists’ advocate organization. They began offering an increasing number of services, all focused on American drivers and travelers. Today the company has over 50 million members operating through 50 individual clubs throughout the United States.

The company serves as travel agents and offer roadside assistance, among other things. They also offer insurance products, including auto, home and condo, renters, life, and recreational vehicle insurance.

In addition, like many insurance companies, they’ve begun to offer financial investment products.

Read a full AAA Car Insurance Review

About Farmers Insurance Group

Farmers was founded in 1928. Their first office specialized in automobile insurance, and was based in Los Angeles, California. It has since grown to be the 3rd largest insurer of both private passenger automobile insurance and homeowner’s insurance.

Farmers operates in 41 states across the country, with 20,000 employees servicing 15 million customers. Their products include auto, home, and life, and they also offer financial products.

Read a full Farmers Car Insurance Review

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AAA vs. Farmers Auto Insurance Review

These two companies have been in existence longer than many, and each has its strengths. With its focus on all things travel-related, AAA’s range of services far exceeds the usual bounds of an insurance company.

In fact, it’s still best termed a motor club that offers insurance. Farmers, on the other hand, has always focused on the insurance business and has insured motorists since the business’s foundation.

ACG (the way industry specialists refer to most of AAA’s insurance providers) received three out five stars in every category of the J.D. Power and Associates “2010 National Auto Insurance Study“, except for contacting the insurer, which was a two.

This might come as a surprise for those acquainted with AAA at large, given that the company generally receives extremely high marks for customer service.

On the same scale, Farmers received three out five on overall satisfaction and contacting the insurer, and twos in policy offerings, billing and payment and pricing. This puts AAA ahead by the industry standard in every category except contacting the insurer.

AAA’s insurance works differently it does with other providers. Those insured with AAA are serviced by the individual motor club of which the client is a member. This means, for instance, that those insured in southern California are insured by ACSC (Auto Club of Southern California).

The experience can vary widely, depending on the motor club. There are also a variety of perks, benefits, and discounts involved with being a motor club member.

With Farmers, the service is likely to be more consistent because they operate in a more traditional manner. All clients are insured by Farmers itself, like any other major insurance carrier.

This means that, depending on the car club involved, Farmers may be a more effective choice.

Should I choose AAA or Farmers Auto Insurance?

While the selection of an insurance provider is always tricky, this particular choice is unique. It’s a selection between a long-standing traditional provider and a federation of motor clubs that also offers insurance.

In the end, the choice is based on you. If you’re in need of several of AAA’s services, and the club in your area is a good one, it might be the right fit for you.

On the other hand, Farmers offers a kind of consistency and much wider product offerings. The best way to decide is do your research, weigh the pros and cons, and compare them with your individual needs.

Who has more car insurance discounts?

When it comes to auto insurance many drivers ask about the discounts and both AAA and Farmers offer a number of car insurance discounts available to most drivers.

Both companies reward good drivers however Farmers certainly has a much wider product line to choose from when it comes to taking advantage of the multi-policy discount.

AAA car insurance rates are also based on the chapter where you live and may or may not be on par with Farmers simply depending on the local chapter’s premiums.

Who has better car insurance rates – AAA or Farmers?

Both AAA and Farmers have very competitive rates and its hard to draw a straight line between the 2 companies and declare who has better rates. Auto insurance premiums are determined by a number of factors and your risk profile may be measured differently by one car insurance company than the next.

The best way to compare car insurance is always to request quotes from multiple providers before making a decision.

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