AAA vs. Louisiana Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• In general, Louisiana Farm Bureau offers significantly cheaper rates than AAA
• AAA offers more discounts than Louisiana Farm Bureau Insurance
• Louisiana Farm Bureau offers more affordable prices for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

AAA vs. Louisiana Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to AAA or Louisiana Farm Bureau, but which carrier has less expensive premiums for insurance?

Looking at the national average rates for both companies, AAA has average rates that are about 40% per month more expensive than those from Louisiana Farm Bureau.

However, that doesn't necessarily mean Louisiana Farm Bureau will be the more affordable option for every single driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so prices could change drastically from person to person.

So, if you want to find out which of AAA or Louisiana Farm Bureau is really the best for you, keep reading to see average rates for each carrier broken down by a variety of different rate factors.

AAA or Louisiana Farm Bureau: Average Car Insurance Rates by State

AAA and Louisiana Farm Bureau only compete against each other in Louisiana, where Louisiana Farm Bureau offers the cheaper average prices. For Louisiana residents, Louisiana Farm Bureau offers insurance for $181 per month on average. AAA's average premiums come out to be over 70% more expensive, at $644 monthly.

That being said, there are plenty of other factors that go into your auto insurance payment than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers out there on the road. It's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance rates. Just look at the table above -- where 18-year-old drivers who have Louisiana Farm Bureau for their auto insurance pay more than $350 less than those who use AAA.

But both companies will reduce premiums by the time drivers turn 25. For example, average rates for AAA policyholders drop nearly 60% and Louisiana Farm Bureau's prices decrease over 45% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you'll ever find.

So, which company offers the best rates to retired drivers? Louisiana Farm Bureau gets the edge, with prices for drivers 65 and older $85 cheaper than the national average for AAA.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance rates than married drivers. This usually boils down to married policyholders having multiple cars on their policy -- something a lot of car insurance carriers will reward with discounts.

When it comes to relationship status, Louisiana Farm Bureau is the clear winner for single drivers, with prices around $161 a month less expensive than AAA, on average. The advantage is also clear for married couples - Louisiana Farm Bureau offers the lowest average premiums.

AAA vs. Louisiana Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get speeding tickets, which means they'll typically end up paying more for auto insurance than women.

With AAA, women generally pay more than 10% per month less than men, while with Louisiana Farm Bureau, the difference is closer to 2% a month.

Looking at the data for each carrier specifically, Louisiana Farm Bureau comes out as the cheapest option for both genders, with average prices $148 less for men and $118 cheaper for women.

AAA or Louisiana Farm Bureau: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that car insurance can be a complicated subject for most people. There are a range of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability insurance, Louisiana Farm Bureau usually offers significantly more affordable premiums of $110 compared to AAA's $169. When it comes to full coverage policies with similar limits, Louisiana Farm Bureau again has the edge, with policies about $200 per month less expensive than AAA, on average.

Is AAA or Louisiana Farm Bureau Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault collisions will most likely raise your rates, but is AAA or Louisiana Farm Bureau more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

AAA policyholders can expect their premiums to go up an average of $86 a month if they get a ticket, while Louisiana Farm Bureau generally raises rates around $22 per month, on average.

That being said, Louisiana Farm Bureau has cheaper prices for drivers in both categories. Drivers with a clean record can save about $62 a month and drivers with a speeding ticket can save around $126 per month with Louisiana Farm Bureau Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through AAA can expect to see about an $126 -- or around 37% -- increase in their insurance rates. Drivers who use Louisiana Farm Bureau for their car insurance will see a monthly bill about $43 (or 22%) more expensive after reporting an accident to their insurance company.

Overall, drivers who use Louisiana Farm Bureau end up with the cheaper prices after an accident, with monthly premiums averaging $194 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than a collision or ticket. For example, AAA increases average prices by just under $200 a month -- that's over a 45% increase.

If you have a DUI on your record and are looking for more affordable rates, Louisiana Farm Bureau tends to be the much more affordable option with average prices of $205 a month compared to $403 from AAA.

How does Credit Score Impact AAA and Louisiana Farm Bureau Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for several drivers.

Car insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at AAA and Louisiana Farm Bureau specifically, which company has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Louisiana Farm Bureau. Drivers with "excellent" credit can save just under 35% compared to AAA, and those with "good" scores can also expect to see savings -- around $93 or 38% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Louisiana Farm Bureau typically offers lower rates than AAA when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $123 per month less with Louisiana Farm Bureau compared to AAA, and those with "poor" scores normally save an average of around $274 monthly.

Is AAA or Louisiana Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. That's because the fewer miles you put on your car each year, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Louisiana Farm Bureau charges. However, there's a small difference in monthly premiums for AAA, with policyholders who drive 6,000 miles annually paying about $13 less every month compared to those who drive 12,000 miles yearly. Still, Louisiana Farm Bureau is the less expensive option for drivers in both categories.

AAA vs. Louisiana Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a big role in how much you pay for auto insurance. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer cars on the roads in those areas.

When comparing these two carriers side-by-side, Louisiana Farm Bureau normally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Louisiana Farm Bureau offers prices around $191 a month compared to AAA's $384. People who live in suburban ZIP codes can expect to pay about $182 a month for Louisiana Farm Bureau and $301 for AAA. Lastly, those in rural areas tend to get the most affordable premiums from both companies, with average monthly rates coming in at $170 and $256 for Louisiana Farm Bureau and AAA respectively.

AAA vs. Louisiana Farm Bureau Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both AAA and Louisiana Farm Bureau so that you can see which one can save you the most money each month.

AAA knocks Louisiana Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 33 different discounts to Louisiana Farm Bureau's five.

Both carriers offer a lot of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and military discounts -- but AAA also offers AAA discounts, academic discounts, advance quote discounts, and more that Louisiana Farm Bureau does not.

On the flip side, Louisiana Farm Bureau has a unique discount of its own -- a vin etching discounts.

Final Thoughts: Is AAA or Louisiana Farm Bureau Best for You?

So, we've broken down the average premiums for many of the variables auto insurance companies look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, is AAA or Louisiana Farm Bureau the right company for you, your vehicle, and your wallet?

Louisiana Farm Bureau might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• Your home is in a busy urban area.
• You live in a rural area.

AAA might be best for you if...

• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between AAA and Louisiana Farm Bureau and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just AAA and Louisiana Farm Bureau. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

AAA vs. Louisiana Farm Bureau FAQs

Is AAA or Louisiana Farm Bureau cheaper?

Looking just at the national average rates, Louisiana Farm Bureau is the more affordable of the two carriers, offering average rates of $181 per month compared to $314 for AAA. But Louisiana Farm Bureau won't necessarily be the cheapest carrier for each driver, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Louisiana Farm Bureau?

Unfortunately, the real answer is "it depends.". One company is not "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do AAA and Louisiana Farm Bureau offer me different rates?

Auto insurance companies take a look at lots of different variables when calculating the prices they charge drivers. Things such as your driving record, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Louisiana Farm Bureau use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different carriers.

How do I know if AAA or Louisiana Farm Bureau is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be AAA or Louisiana Farm Bureau at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.