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Selecting an auto insurance company is complex: companies' rates differ by driving record, age, and location, and every company provides a different set of discounts. Auto Club (AAA) and Safe Auto are among the most popular car insurance companies, selling high-quality policies in most states across the US.
In an effort to simplify the comparison process, we pulled average insurance rates from Safe Auto and Auto Club (AAA). The below cover a variety of rating factors, including credit rating, driving behavior, and age. Compare rates and find the right policy for you.
If you have very poor credit, Safe Auto could be a better option for you. On average, Safe Auto offers more affordable rates than Auto Club (AAA) for prospective clients with credit scores of less than 580. Those with excellent credit — a score of 800 or better — should lean toward Check out average insurance costs by credit level for Safe Auto and Auto Club (AAA):
|Credit level||Auto Club (AAA) avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$6,569||$3,799|
|Very Good (740-799)||$3,004||$1,937|
If you have an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving résumé, Safe Auto could be a better choice than Auto Club (AAA). Every car insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurer is best for you.
|Violation||Auto Club (AAA) avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$4,078||$2,867|
|At-fault accident (damage > $1,000)||$4,002||$2,837|
Insurance companies use age as an estimator of risk, assigning rates accordingly. A car insurance policy is usually more expensive for teen drivers — because of their inexperience — and most affordable for older drivers. Because every auto insurance company rates age brackets uniquely, it's wise to compare rates and find great coverage.
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..
|Age tier||Auto Club (AAA) avg. annual premium||Safe Auto avg. annual premium|
Costs aside, Auto Club (AAA) and Safe Auto each come with 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)||Safe Auto|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||Safe Auto|
|JD Power Rankings|
|Other Products||Auto Club (AAA)||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Auto Club (AAA)||Safe Auto|
|About||Auto 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 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.||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.|
|Additional Discounts||AAA 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 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. 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. USAA||Safe 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|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia|
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