AAA vs. Allstate

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

Choosing a car insurer can be hard: rates vary based on your driving history, location, and age, and companies offer an array of discounts. AAA and Allstate are two of the most popular auto insurance companies, selling competitively priced policies across most of the US.

To help simplify the process of comparing insurance companies, we've gathered average rates from Allstate and AAA. These cover myriad rating factors, including credit history, driving infractions, and age. Check out the below rates and find your next car insurance policy today.

Take a deep dive: Read full-length reviews of AAA and Allstate.

 

AAA vs. Allstate: insurance rate comparison

 

AAA vs. Allstate: by credit level

If you have very poor credit, Allstate could be preferable to AAA. On average, Allstate offers more affordable rates than AAA for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should lean toward View average insurance rates by credit score for Allstate and AAA below.

 
CREDIT SCORE INSURANCE RATE COMPARISON: ALLSTATE VS. AAA
Credit score AAA avg. annual premium Allstate avg. annual premium
Very Poor (300-579) $6,569 $3,117
Fair (580-669) $4,023 $2,162
Good (670-739) $3,723 $2,021
Very Good (740-799) $3,004 $1,820
Exceptional (800-850) $2,814 $1,743
 

AAA vs. Allstate: costs for high-risk drivers

If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DWI in your rear view mirror, Allstate could be a better choice than AAA. Every car insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to figure out which insurer suits you.

 
RATES BY VIOLATION: ALLSTATE VS. AAA
Citation AAA avg. annual premium Allstate avg. annual premium
At-fault accident (damage < $1,000) $4,078 $3,006
At-fault accident (damage > $1,000) $4,002 $2,290
DUI/DWI $5,530 $3,637
Reckless driving $5,530 $3,388
Speeding ticket $4,078 $2,256
 

AAA vs. Allstate: rates by age bracket

Insurance companies rely on a driver's age to estimate risk, pricing policies accordingly. Car insurance is typically priciest for teen drivers — thanks to their inexperience — and more affordable for older drivers. Because each insurance company prices ages differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Allstate over AAA: the former's average annual rates are $3,814 less than the latter's..

 
RATES BY AGE: ALLSTATE VS. AAA
Age AAA avg. annual premium Allstate avg. annual premium
Teens $10,256 $6,442
20s $4,644 $2,636
30s $3,248 $2,636
40s $3,195 $1,912
50s $3,083 $1,893
60s $2,887 $1,768
 

Cost aside, AAA and Allstate each come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount Comparison Auto Club (AAA) Allstate
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) Allstate
Financial Strength Superior Excellent
JD Power Rankings Below average Average
User Satisfaction 4.2/5 4.2/5
Other Products Auto Club (AAA) Allstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Auto Club (AAA) Allstate
About Auto Club provides its customers with customizable payment options, competitive rates and excellent features. Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.
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. Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).
Additional Discounts AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members. Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
Recent Questions Can a bank add insurance to my loan when I already have insurance?
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.
Can 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.
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.
See More Questions
Can you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
See More Questions
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