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.
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 |
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 |
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 | ||
| 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 Comparison | Auto Club (AAA) | Allied |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Below average | N/A |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Auto Club (AAA) | Allied |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |