AAA vs. Farm Bureau Mutual Auto Insurance 2025 (Head-to-Head Review)

AAA vs. Farm Bureau Mutual auto insurance offers two very different experiences, from membership benefits to personalized agent support.

AAA vs. Farm Bureau Auto Insurance Rating

AAA scores higher for its digital tools, like the Auto Club App, identity protection through ProtectMyID, and optional programs like AAA OnBoard for safe driving rewards. See more in our AAA Insurance review.

Farm Bureau Insurance focuses more on one-on-one support through local agents and offers standout programs, like the Young Driver Safety Program and its Preferred Auto Repair network. However, coverage varies by state, where AAA auto insurance is available everywhere.

Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.

AAA vs. Farm Bureau Mutual Auto Insurance Cost Comparison

Looking at this rate comparison for AAA vs. Farm Bureau auto insurance, it’s clear that Farm Bureau consistently offers lower monthly premiums across every age and gender group. For example, a 16-year-old male pays around $269 a month with AAA but $210 monthly with Farm Bureau.

AAA vs. Farm Bureau Auto Insurance Monthly Rates

Even older drivers, who usually enjoy lower premiums, see a wide gap. A 60-year-old female pays $42 per month with AAA versus just $38 a month with Farm Bureau. If pricing is a top concern, especially for families with young drivers, compare more quotes in our Farm Bureau Financial Services review to see if it’s the more budget-friendly choice.

AAA vs. Farm Bureau Insurance Rates by Driving Record

This AAA vs. Farm Bureau Financial Services auto insurance rate comparison by violation reveal a clear price difference — even after a not-at-fault accident, Farm Bureau holds steady at $95 while AAA jumps to $189.

AAA vs. Farm Bureau Auto Insurance Monthly Rates by Driving Record

If you’ve had a speeding ticket or DUI, Farm Bureau still offers lower rates at $160 compared to AAA’s $211. These numbers make it clear that Farm Bureau is often the more affordable option among auto insurance companies for drivers with speeding tickets or other violations.

AAA vs. Farm Bureau Insurance Rates by Credit Score

Farm Bureau consistently offers lower premiums across all credit tiers. With good credit, AAA charges $110 per month while Farm Bureau charges $95 monthly. Even for fair or poor credit, Farm Bureau monthly rates remain cheaper at $115 and $142 compared to AAA’s $138 and $175 per month.

AAA vs. Farm Bureau Auto Insurance Monthly Rates by Credit Score

So, if your credit score is less than perfect, Farm Bureau may be the better option for keeping costs low without sacrificing full coverage. Learn how credit scores affect auto insurance rates because it’s essential to consider your financial profile when choosing a provider.

When compared to AAA auto insurance, Farm Bureau remains the more affordable choice across all credit tiers, especially for drivers with fair or poor credit.

AAA vs. Farm Bureau Mutual Auto Insurance Discounts

The best auto insurance discounts for Farm Bureau members are for anti-theft devices and low mileage, while AAA delivers bigger rewards for telematics and multi-vehicle policies. Farm Bureau edges ahead with bigger savings for anti-theft systems at 20% vs. AAA’s 8% and low-mileage drivers (20% vs. 10%).

AAA vs. Farm Bureau Auto Insurance Discounts

AAA auto insurance discounts win big with a 30% telematics discount and 25% off for multi-vehicle policies. Farm Bureau offers cheap farm vehicle auto insurance with additional discounts of 7%, while AAA doesn’t offer farm vehicle discounts. If you’re focused on usage-based savings, AAA has the advantage, but for rural drivers or those with short commutes, Farm Bureau might be the better fit.

Looking at market presence, some insight into the differences between AAA and Farm Bureau Financial Services auto insurance. Farm Bureau accounts for a slight 4.0% of the auto insurance market, and AAA is way behind at only 1.8%. One might be surprised at that gap, considering AAA’s far-reaching brand recognition and national reach.

Farm Bureau’s stronger share reflects its foothold in the Midwest and Western regions, where local agents and tailored usage-based programs like Driveology connect more directly with drivers.

If market presence matters in your decision, Farm Bureau clearly edges out AAA in terms of customer reach. However, to make an informed choice, it’s important to evaluate auto insurance quotes from both companies based on your location and coverage needs.

AAA vs. Farm Bureau Mutual Auto Insurance Reviews

When you compare the business ratings and customer reviews for AAA vs. Farm Bureau auto insurance, Farm Bureau pulls slightly ahead in customer satisfaction. J.D. Power gives Farm Bureau a score of 849 out of 1,000 — well above average — while AAA reflects average satisfaction with a 706 out of 1,000.

Insurance Business Ratings & Consumer Reviews: AAA vs. Farm Bureau

They don’t rank among the top auto insurance companies with the best customer service, but both providers earn high marks from the Better Business Bureau with an A+ rating. According to Consumer Reports, both Farm Bureau and AAA scored 74 out of 100, showing solid but not standout customer feedback.

Looking at complaint data from the NAIC, both providers land at a 0.58 complaint index, which is better than the national average. They also match in financial stability, each receiving an “A” rating from A.M. Best, which reflects strong claims-paying ability.

If you’re weighing customer satisfaction more heavily, Farm Bureau may give you a better experience overall. But if your priority is consistency across financials and complaints, both hold their own well.

Pros and Cons of AAA Auto Insurance

When you’re sizing up AAA auto insurance, it’s not just about the brand name. AAA shines if you want strong digital tools and dependable roadside help. Here’s what really stands out behind the wheel:

• Strong Roadside Assistance: AAA pioneered roadside assistance in 1915 and still leads with fast, reliable 24/7 service across the U.S. and Canada.
• Telematics Rewards with AAA OnBoard: Safe drivers can earn policy discounts by using the OnBoard program, which tracks habits like braking and speed.
• Digital Tools Built for Daily Use: The Auto Club App helps manage claims, policy documents, and roadside requests without calling an agent.

A Reddit reviewer also noted AAA’s helpful claims process and member perks like travel discounts and free maps, adding that while rates may vary, the overall experience was worth it.

But if personal agent support or consistent offerings are key for you, check the specifics in your region before signing up. Other things to look out for before buying AAA car insurance are:

• Coverage Varies by Club Location: Benefits and policy options aren’t consistent nationwide—what you get depends heavily on your local AAA club.
• Limited Agent Availability in Rural Areas: Some regions lack the same in-person support you’d find with more locally rooted insurers.

Remember the AAA requires an annual membership fee, so compare AAA vs. Geico auto insurance for more quotes and coverage details to see if it’s the best company for you.

Pros and Cons of Farm Bureau Mutual

Farm Bureau Insurance leans heavily on personal agent relationships and programs designed for everyday drivers in rural communities. Here’s a closer look at what works:

• Driveology Rewards Good Habits: Their usage-based Driveology program tracks speeding, braking, and phone use, offering performance-based savings and real-time feedback.
• Young Driver Safety Program: Drivers under 25 can earn a discount after completing Farm Bureau’s in-house safety course, which builds long-term habits.
• Preferred Auto Repair Network: After an accident, policyholders can use pre-screened repair shops with guaranteed work for as long as they own the car.

One Reddit user praised their experience as low-cost and hassle-free, sharing that their accident claim was handled smoothly and their premium didn’t increase afterward.

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If hands-on support and locally focused programs matter more to you than high-tech extras, Farm Bureau may be the better fit, especially for families and rural drivers. However, it falls short for some drivers in these ways:

• Limited Availability: Farm Bureau only operates in 14 states, so it’s not an option if you live outside its regional footprint.
• Few Digital Features: Compared to national carriers, tools like online claims tracking or app-based account management are more limited.

The major downside to Farm Bureau is its lack of national coverage. However, if you live in Texas, Texas Farm Bureau auto insurance reviews rank it as one of the most popular providers for farm vehicle coverage and customer service.