Auto Club (AAA) vs Allied Car Insurance

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Auto Club (AAA) or Allied:
Which Company is Best for You?

Choosing a car insurance company can be tough: every company's rates differ based on your driving record, age, and location, and insurers offer a variety of perks. Auto Club (AAA) and Allied are two of the nation's top insurance companies, providing competitively priced insurance policies across large swaths of the US.

In an effort to take the sting out of shopping for car insurance, we have gathered average insurance premiums from Allied and Auto Club (AAA). These cover a variety of rating factors, including credit rating, driving history, and age. Compare rates and find an affordable policy today.

 

Compare Auto Club (AAA) vs. Allied auto insurance rates

 

Auto Club (AAA) vs. Allied: prices by credit level

If you have extremely bad credit, Allied could be the best option for you. On average, Allied offers cheaper rates than Auto Club (AAA) for prospective clients with credit scores of 579 or less. Drivers with exceptional credit — a score of 800-plus — should lean toward View typical insurance rates by credit level for Allied and Auto Club (AAA) below.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allied VS. Auto Club (AAA)
Credit scoreAuto Club (AAA) avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$6,569$1,483
Fair (580-669)$4,023$1,097
Good (670-739)$3,723$1,104
Very Good (740-799)$3,004$920
Exceptional (800-850)$2,814$857

 

Auto Club (AAA) vs. Allied: costs for high-risk drivers

If you're carrying an at-fault collision, ticket, reckless driving citation, or DUI offense in your rear view mirror, Allied could be a better choice than Auto Club (AAA). Each insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to figure out which insurer suits you.

 

HIGH-RISK INSURANCE RATE COMPARISON: Allied VS. Auto Club (AAA)
ViolationAuto Club (AAA) avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$4,078$1,662
At-fault accident (damage > $1,000)$4,002$1,221
DUI/DWI$5,530$2,708
Reckless driving$5,530$2,708
Speeding ticket$4,078$1,232

 

Auto Club (AAA) vs. Allied: rates by age

Car insurance companies use age as an estimator of risk, assigning rates accordingly. Insurance is often priciest for beginning and young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company rates age brackets differently, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose Allied over Auto Club (AAA): the former's average annual rates are $6,730 less than the latter's..

 

AGE BRACKET INSURANCE RATE COMPARISON: Allied VS. Auto Club (AAA)
Age tierAuto Club (AAA) avg. annual premiumAllied avg. annual premium
Teens$10,256$3,526
20s$4,644$1,392
30s$3,248$1,392
40s$3,195$959
50s$3,083$915
60s$2,887$832

 

Costs aside, there are myriad pros and cons of both Auto Club (AAA) and Allied, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonAuto Club (AAA)Allied
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAuto Club (AAA)Allied
Financial Strength GoodSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto Club (AAA)Allied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)Allied
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside AssistanceAAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent QuestionsCan I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
See More Questions
Will my insurance company cover my vehicle if my cousin was driving my car?
Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
If I claim my injuries after an accident, will that make my rates higher?
Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.
How much do car insurance rates go up after a DUI?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
See More Questions
Compare MoreAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. Safeco Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAAAllied vs. 21st Century Allied vs. Allstate Allied vs. American Family Allied vs. Amica Mutual Insurance Allied vs. Erie Allied vs. Esurance Allied vs. Farm Bureau Mutual Allied vs. Farmers Allied vs. Foremost Allied vs. GEICO Allied vs. Infinity Allied vs. Liberty Mutual Allied vs. Mercury Allied vs. MetLife Allied vs. North Star Mutual Allied vs. Progressive Allied vs. Safe Auto Allied vs. Safeco Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers Allied vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Auto Club (AAA) vs Allied

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