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.
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.
|Credit level||Auto Club (AAA) avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$6,569||$3,117|
|Very Good (740-799)||$3,004||$1,820|
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.
|Violation||Auto Club (AAA) avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$4,078||$3,006|
|At-fault accident (damage > $1,000)||$4,002||$2,290|
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..
|Age tier||Auto Club (AAA) avg. annual premium||Allstate avg. annual premium|
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 Comparison||Auto Club (AAA)||Allstate|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||Allstate|
|JD Power Rankings||2 out of 5||3 out of 5|
|Other Products||Auto Club (AAA)||Allstate|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Auto Club (AAA)||Allstate|
|About||Auto 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 Assistance||AAA 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 Discounts||AAA 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.|
|Recent Questions||Does roadside assistance cover people not on your policy|
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|Compare More||Auto 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. USAA||Allstate 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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