AAA vs Allied: Which is Better for You?

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Auto Club (AAA) or Allied: Which company is best for you?

Selecting an auto insurance company is difficult: rates may vary based on your driving history, location, and age, and companies offer an array of discounts. Auto Club (AAA) and Allied are two of America's most popular insurers, providing competitively priced coverage in most regions.

In an effort to simplify the process of comparing insurance companies, we've collected average costs from Allied and Auto Club (AAA). These rates cover a variety of rating factors, including credit history, driving history, and age. Compare rates and find the perfect policy for you.

Looking for additional insights? Read full-length reviews of AAA and Allied.


Auto Club (AAA) vs. Allied: by credit level

If you have very bad credit, Allied could be a better option for you. On average, Allied offers cheaper prices than Auto Club (AAA) for prospective clients with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should consider View average insurance costs by credit score for Allied and Auto Club (AAA) below.

Credit score Auto Club (AAA) avg. annual premium Allied avg. annual premium
Very Poor (300-579) $6,569 $1,483
Fair (580-669) $4,023 $1,097
Good (670-739) $3,723 $1,104
Very Good (740-799) $3,004 $920
Exceptional (800-850) $2,814 $857

Auto Club (AAA) vs. Allied: by citation

If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your driving résumé, Allied could be a better choice than Auto Club (AAA). Every car insurance company has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurer suits you.

Violation Auto Club (AAA) avg. annual premium Allied avg. annual premium
At-fault accident (damage < $1,000) $4,078 $1,662
At-fault accident (damage > $1,000) $4,002 $1,221
DUI/DWI $5,530 $2,708
Reckless driving $5,530 $2,708
Speeding ticket $4,078 $1,232

Auto Club (AAA) vs. Allied: by age

Insurance companies use a driver's age as an indicator of potential risk, assigning rates accordingly. An auto insurance policy is usually most expensive for teens — due to their inexperience — and most affordable for middle-aged drivers. Because every car insurance company prices age brackets in a different way, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose Allied over Auto Club (AAA): the former's average annual rates are $6,730 less than the latter's..

Age Auto Club (AAA) avg. annual premium Allied avg. annual premium
Teens $10,256 $3,526
20s $4,644 $1,392
30s $3,248 $1,392
40s $3,195 $959
50s $3,083 $915
60s $2,887 $832

Affordability aside, Auto Club (AAA) and Allied come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison Auto Club (AAA) Allied
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver supported
Defensive Driver
Student Away at School supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported
Home Owner
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage supported
Ratings Comparison Auto Club (AAA) Allied
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Auto Club (AAA) Allied
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance
Other Features Auto Club (AAA) Allied
About Auto Club provides its customers with customizable payment options, competitive rates and excellent features. Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right 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. Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional Discounts AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members. Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
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