Auto Club (AAA) vs Safe Auto Car Insurance

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

Picking an auto insurance company can be tough: rates can vary based on your driving record, location, and age, and every company's discounts vary. Auto Club (AAA) and Safe Auto are two of America's most popular auto insurance companies, offering high-quality policies across large swaths of the US.

In an effort to simplify the process of comparing insurance companies, we collected average rates from Safe Auto and Auto Club (AAA). These rates cover a variety of rating factors, chief among which are credit rating, driving infractions, and age. Check out the below rates and find an affordable policy today.

Go in-depth: Read our comprehensive reviews of AAA and Safe Auto.


Comparing car insurance rates: Auto Club (AAA) vs. Safe Auto


Auto Club (AAA) vs. Safe Auto: pricing by credit score

If you have very poor credit, Safe Auto could be preferable to Auto Club (AAA). On average, Safe Auto offers cheaper rates than Auto Club (AAA) for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward Check out typical insurance rates by credit level for Safe Auto and Auto Club (AAA) below.


CREDIT SCORE INSURANCE RATE COMPARISON: Safe Auto VS. Auto Club (AAA)
Credit levelAuto Club (AAA) avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$6,569$3,799
Fair (580-669)$4,023$2,483
Good (670-739)$3,723$3,358
Very Good (740-799)$3,004$1,937
Exceptional (800-850)$2,814$1,921

Auto Club (AAA) vs. Safe Auto: high-risk insurance rates

If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI offense in your rear view mirror, Safe Auto could be a better choice than Auto Club (AAA). Every insurer enacts rate penalties differently, so it's worth comparing quotes to understand which insurer suits you.


RATES BY CITATION: Safe Auto VS. Auto Club (AAA)
ViolationAuto Club (AAA) avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$4,078$2,867
At-fault accident (damage > $1,000)$4,002$2,837
DUI/DWI$5,530$2,867
Reckless driving$5,530$2,867
Speeding ticket$4,078$2,738

Auto Club (AAA) vs. Safe Auto: rates by age

Insurers use age to estimate risk, assigning rates accordingly. A car insurance policy is usually more expensive for teens — because of their inexperience — and more affordable for middle-aged drivers. Since every insurance company evaluates age brackets uniquely, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Safe Auto over Auto Club (AAA): the former's average annual rates are $1,994 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: Safe Auto VS. Auto Club (AAA)
Age tierAuto Club (AAA) avg. annual premiumSafe Auto avg. annual premium
Teens$10,256$8,262
20s$4,644$2,764
30s$3,248$2,764
40s$3,195$2,053
50s$3,083$1,862
60s$2,887$1,707

Setting aside cost, there are myriad pros and cons of both Auto Club (AAA) and Safe Auto, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonAuto Club (AAA)Safe Auto
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)Safe Auto
Financial Strength GoodGood
JD Power Rankings
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto Club (AAA)Safe Auto
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Homeowners Insurance
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Renters Insurance
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Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)Safe Auto
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsCan 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.
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Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.
If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.
See More Questions
Compare MoreAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate 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. 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. USAASafe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. Safeco Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA
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Auto Club (AAA) vs Safe Auto

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