Auto Club (AAA) vs Allstate Car Insurance

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

Picking a car insurance company is difficult: companies' rates vary based on your driving history, location, and age, and insurers offer a variety of perks. Auto Club (AAA) and Allstate are two of the most popular auto insurance companies, selling competitively priced coverage across most of the US.

To take the sting out of shopping for car insurance, we have gathered average policy rates from Allstate and Auto Club (AAA). These rates cover a variety of pricing factors, including credit, driving record, and age. Examine these figures and find your next car insurance policy today.


Auto Club (AAA) vs. Allstate: rate comparison


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

If you have very poor credit, Allstate could be preferable to Auto Club (AAA). Typically, Allstate offers lower premiums than Auto Club (AAA) for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800 or higher — should lean toward View typical insurance costs by credit score for Allstate and Auto Club (AAA) below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allstate VS. Auto Club (AAA)
Credit levelAuto Club (AAA) avg. annual premiumAllstate avg. annual premium
Very Poor (300-579)$6,569$3,117
Fair (580-669)$4,023$2,162
Good (670-739)$3,723$2,021
Very Good (740-799)$3,004$1,820
Exceptional (800-850)$2,814$1,743

Auto Club (AAA) vs. Allstate: high-risk insurance rate comparison

If you're dealing with an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving record, Allstate could be a better choice than Auto Club (AAA). Every insurance company will handle driving offenses differently, so it's worth comparing quotes to understand which insurance company suits you.


RATES BY VIOLATION: Allstate VS. Auto Club (AAA)
ViolationAuto Club (AAA) avg. annual premiumAllstate avg. annual premium
At-fault accident (damage < $1,000)$4,078$3,006
At-fault accident (damage > $1,000)$4,002$2,290
DUI/DWI$5,530$3,637
Reckless driving$5,530$3,388
Speeding ticket$4,078$2,256

Auto Club (AAA) vs. Allstate: rates by age bracket

Insurance companies use age to outline potential risk, assigning rates accordingly. Auto insurance is usually priciest for teen drivers — because of their inexperience — and relatively affordable for older drivers. Because every auto insurance company prices ages uniquely, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose Allstate instead of Auto Club (AAA): the former's average annual rates are $3,814 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: Allstate VS. Auto Club (AAA)
Age tierAuto Club (AAA) avg. annual premiumAllstate avg. annual premium
Teens$10,256$6,442
20s$4,644$2,636
30s$3,248$2,636
40s$3,195$1,912
50s$3,083$1,893
60s$2,887$1,768

Affordability aside, Auto Club (AAA) and Allstate each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonAuto Club (AAA)Allstate
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)Allstate
Financial Strength GoodSuperior
JD Power Rankings
2 out of 5
3 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto Club (AAA)Allstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)Allstate
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense 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.Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.
Additional DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
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Compare MoreAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied 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. 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. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto 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. USAAAllstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate 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
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Auto Club (AAA) vs Allstate

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