Auto Club (AAA) vs American Family Car Insurance

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

Choosing a car insurance company can be tough: companies' rates may vary based on your driving record, location, and age, and every company's discounts differ. Auto Club (AAA) and American Family are two of the top car insurance companies, offering affordable policies in most states across the US.

To help take the sting out of shopping for car insurance, we've gathered average insurance premiums from American Family and Auto Club (AAA). These take into consideration a variety of rating factors, including credit history, driving behavior, and age. Check out the below rates and find your next car insurance policy today.


Auto Club (AAA) vs. American Family: rate comparison


Auto Club (AAA) vs. American Family: by credit level

If you have extremely bad credit, American Family could be preferable to Auto Club (AAA). On average, American Family offers more affordable rates than Auto Club (AAA) for drivers with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should consider View typical insurance rates by credit level for American Family and Auto Club (AAA) below.


RATES BY CREDIT SCORE: American Family VS. Auto Club (AAA)
Credit levelAuto Club (AAA) avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$6,569$1,931
Fair (580-669)$4,023$1,294
Good (670-739)$3,723$1,220
Very Good (740-799)$3,004$1,009
Exceptional (800-850)$2,814$941

Auto Club (AAA) vs. American Family: rates for bad drivers

If you're carrying an at-fault accident, ticket, reckless driving violation, or DUI offense on your résumé, American Family could be a better choice than Auto Club (AAA). Every insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: American Family VS. Auto Club (AAA)
InfractionAuto Club (AAA) avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$4,078$1,763
At-fault accident (damage > $1,000)$4,002$990
DUI/DWI$5,530$1,857
Reckless driving$5,530$1,857
Speeding ticket$4,078$1,270

Auto Club (AAA) vs. American Family: rates by age

Car insurance companies use a driver's age to indicate risk, assigning rates on a sliding scale. An auto insurance policy is often more expensive for teens — thanks to their inexperience — and more affordable for middle-aged drivers. Since every insurance company rates age brackets differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose American Family over Auto Club (AAA): the former's average annual rates are $6,446 less than the latter's..


RATES BY AGE: American Family VS. Auto Club (AAA)
Age bracketAuto Club (AAA) avg. annual premiumAmerican Family avg. annual premium
Teens$10,256$3,810
20s$4,644$1,685
30s$3,248$1,685
40s$3,195$1,089
50s$3,083$1,089
60s$2,887$986

Cost aside, Auto Club (AAA) and American Family both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonAuto Club (AAA)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
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAuto Club (AAA)American Family
Financial Strength GoodExcellent
JD Power Rankings
2 out of 5
4 out of 5
User Satisfaction

N/A

A

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Other FeaturesAuto Club (AAA)American Family
AboutAuto 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 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.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 DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.None Available
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Compare MoreAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate 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. SAFECO Auto Club (AAA) vs. SafeAuto 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. USAAAmerican Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. SafeAuto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family 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 American Family

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