AAA vs Allied: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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.
INSURER RATES BY CREDIT SCORE: ALLIED VS. AAA
| 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.
INSURER RATES BY VIOLATION: ALLIED VS. AAA
| 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..
INSURER RATES BY AGE: ALLIED VS. AAA
| 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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver |
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| Defensive Driver | ||
| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| Home Owner | ||
| eSign or ePay | ||
| Telematics |
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| New Vehicle |
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| Annual Mileage |
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| 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 |
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| Boat Insurance |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| 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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