AAA vs. Farmers Car Insurance Comparison [2025]

There are certainly a lot of car insurance companies out there, and it can often be difficult to find the right one to suit your insurance policy needs. After all, there is a wide range of insurance products offered by most companies. When you’ve narrowed down your choices, it’s time to start looking at the fine print which can reveal some major differences between your final options, and they aren’t just the cost of your insurance premiums.

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

When looking for the best provider for your home, business, or auto insurance policies, 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.

Check out our AAA car insurance review for more information.

Farmers: Famous for Inexpensive Rates

A direct competitor with the AAA, Farmers remains one of the most trusted insurance companies in America. Their cheaper, more competitive 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.

Learn more about the company by visiting our Farmers car insurance review.

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. In fact, the roadside assistance service is so well known that it is considered by most Americans to be a household name.

Policies offered by Farmers are often cheaper than AAA insurance but lack 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.

AAA or Farmers Car Insurance

In terms of policies, AAA is more well-known as an auto insurance provider, while Farmers provides more comprehensive life and home insurance plans. Considering that each company has different areas of expertise, the choice between these two long-established companies can boil down to what you are looking to insure.

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 free car insurance quotes online, which is determined by a number of factors such as your location and income.

Comparatively, Farmers has more offices in the south than AAA. While you may be more interested in one than the other, it may be more convenient for you to decide on the company that is more local to you. While in this day and age, many digital transactions are commonplace, having a physical office nearby is still reassuring to many customers, particularly when the customer has questions about their insurance coverage.

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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