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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|
|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||Can 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
|Do I have to list my spouse as a driver?|
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. Because of your age, you might have some difficulty finding car insurance, so here is our guide to shopping for car insurance for 22-year-olds.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.See More Questions
|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. 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. 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. Farm Bureau Mutual 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. North Star Mutual Allstate vs. Progressive Allstate vs. Root Insurance Allstate vs. Safe Auto Allstate vs. Safeco 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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