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Auto Club (AAA) vs American Family
Car Insurance

Which Company is Best for You?

Auto Club (AAA) and American Family are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. Auto Club (AAA) was founded in 1902, while American Family was founded in 1927. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.
AAA Car Insurance American Family Car Insurance

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Discount Comparison Auto Club (AAA)vs. American Family
Discount Comparison Auto Club (AAA)vs. American Family
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
New Vehicle
Annual Mileage
Ratings Comparison Auto Club (AAA)vs. American Family
Financial Strength Good Excellent
JD Power Rankings

2 out of 5

4 out of 5

User Satisfaction
Other Features Auto Club (AAA)vs. American Family

Auto Club provides its customers with customizable payment options, competitive rates and excellent features.

American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.

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.

American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).

Additional Discounts
  • AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.
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States Offered

The financial strength rating, categorized from Poor to Superior, is an independent assessment of a company's financial strength and a company’s ability to meet their ongoing insurance obligations when it comes to things like paying claims.

The J.D. Power rating, scored from 2 to 5, is an independent measure of customer satisfaction around the handling of claims. A higher J.D. Power Rating is a good indicator that a carrier will treat you well should something go wrong.

The User Satisfaction rating, graded from F to A+, is the Better Business Bureau’s assessment of how well the business is likely to interact with its customers, and is based on multiple factors including customer complaints and transparent business practices.