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AAA or Allstate: Which company is best for you?

As some of the larger insurers in the country, both AAA and Allstate have a number of coverages to choose from. Dive into our comparison to see which company comes out on top.

AAA car insurance

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3 Rating from The Zebra

Perhaps best known for its roadside assistance programs, AAA also offers car insurance to its members. In most cases, coverage is not provided by AAA themselves, but through partner companies. AAA simply acts as an intermediary, meaning that coverage options and experiences can be vastly different based on location

Pros Cons
  • Many bundling options
  • Additional membership benefits
  • Numerous discount opportunities
  • Lack of robust coverage options
  • Customer satisfaction scores are low
Learn more

Allstate car insurance

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4 Rating from The Zebra

Allstate is another major insurance company with a wide array of coverage types and mostly positive ratings from third parties and customers. On the whole, Allstate's car insurance policies are often more expensive than most similarly-sized companies. While Allstate has a number of add-ons and other benefits for policyholders — including rebates for safe driving and a rewards program — drivers will want to strongly consider if these added perks are worth the higher prices. See their ratings below to see how they compare to AAA.

Pros Cons
  • Good coverage options
  • Fewer than average customer complaints
  • Perks such as checks for safe driving
  • Multiple telematics options
 
  • Higher rates than average
  • Significantly higher rates for teen drivers or those with poor driving histories
Learn more

Which company comes out on top?

Allstate


Allstate wins this one because of its more extensive list of coverage options and top customer satisfaction scores. 


AAA vs. Allstate: car insurance rate comparison

Choosing an auto insurance company can be tricky: rates may vary based on your location, vehicle, and driving record, and companies offer an array of perks. AAA and Allstate are two of the top insurers, providing high-quality insurance policies across large portions of the US.

To simplify the process of comparing insurance companies, we've gathered average rates from Allstate and AAA. These take into consideration a variety of rating factors, including credit history, driving record, and age. Examine these figures and find the right policy for you.

Want to find out more? Check out our full reviews of AAA and Allstate.

Cheapest average rates
Cheapest average rates

The insurer with the cheapest rates is AAA at $151 per month, slightly cheaper than Allstate's average of $170 a month


AAA vs. Allstate: pricing by credit score

If you have very poor credit, Allstate could be the best option for you. Typically, Allstate offers better rates than AAA for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should also lean toward Allstate, which typically beats AAA by $1,071 annually. View typical insurance rates by credit level for Allstate and AAA below.

 

RATES BY CREDIT LEVEL: ALLSTATE VS. AAA
Credit level 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

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

AAA vs. Allstate: rates for high-risk drivers

If you've got an at-fault crash, speeding ticket, reckless driving violation, or DWI in your rearview mirror, Allstate could be a better choice than AAA. Each auto insurance company prices policies differently after a violation, so don't be afraid to shop around to figure out which insurer suits you.

 

RATES BY CITATION: 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

Auto insurance companies rely on a driver's age to indicate risk, pricing premiums accordingly. An auto insurance policy is commonly more expensive for teen drivers — thanks to their inexperience — and most affordable for middle-aged drivers. Because every car insurance company rates ages differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Allstate before AAA: Allstate offers average yearly savings of $3,814 versus AAA.

 

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

Aside from finances, AAA and Allstate each carry pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

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Ratings comparison: AAA vs. Allstate

Being among the largest insurance companies in the country, AAA and Allstate have third-party ratings going back decades. We've put together a list of some of the most recent ratings to help you determine each company's customer satisfaction level, complaint ratio and fiscal security scores.

AAA vs. Allstate
Ratings comparison AAA Allstate
Financial strength (A.M. Best) Superior Excellent
JD Power (claims satisfaction) Below average Average
JD Power (customer satisfaction) Average Average
NAIC rating Poor Excellent
The Zebra's editorial review score 3/5 4/5
The Zebra's Customer Satisfaction Survey 4.6/5 4.5/5

Which company scores best?

Allstate


Allstate receives better scores than AAA in studies focused on customer service, while AAA is backed by strong financials. The Zebra's editorial reviews place Allstate slightly higher, coming in at 4.0 to AAA's 3.0 out of five.


The Zebra's Customer Satisfaction Survey

The Zebra conducted its own survey to discover how customers view insurance companies based on a number of factors. Below you'll find how both companies performed.

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AAA

Among the carriers on our survey, AAA ranked 13th (out of 15) with a score of 4.2. In general, the company placed near the bottom in almost every category.

  • Younger respondents had a more favorable view than older drivers
  • Best scores came in the trust category
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Allstate

Allstate came in eighth place overall for car insurance with a score of 4.3. See the survey highlights below:

  • Scored sixth place for trustworthiness
  • Preferred by older drivers overall
  • Struggled with claims satisfaction

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


AAA vs. Allstate: discount comparison

Below you can see a head-to-head rundown of discount options for auto insurance.

AAA vs. Allstate: discount comparison
Discount comparison 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

In addition to the discounts listed above, Allstate offers additional discounts for utility vehicles, farm vehicles, and the newly retired. Due to AAA's partnerships with other car insurance companies to provide policies, some of these discount options may not be available in some locations. Always ask about what discounts you are eligible for when shopping for your policy.


Telematics options: AAA vs. Allstate

Both AAA and Allstate offer telematics programs. Allstate offers more options than AAA, meaning that customers may find a better choice for their personal driving needs. Find out more about each company's mobile app selection below. 

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AAA OnBoard

Depending on the state in which they reside, some customers may be able to sign up for OnBoard, AAA's telematics option. The company boasts savings of 15% at sign-up, with total savings of up to 30% possible for eligible drivers. However, there is no separate app at the time of writing, meaning that all participants must download the AAA mobile app.

allstate logo
Allstate Drivewise

This telematics program uses a mobile app to track your driving behavior, possibly leading to discounts for safe motorists. Drivers receive 3% cashback for signing up for Drivewise. The app-based program can be used by both policyholders and "non-customers" alike to view driving data and receive feedback.

Allstate logo
Allstate Milewise

Milewise is a newer program that offers pay-per-mile car insurance. This type of coverage could benefit low-mileage drivers in particular as your rates are based on the number of miles that you drive. These miles are tracked by a plug-in device. While not available in every state, Allstate has plans to continue expansion in an effort to gain more users. 

Zebra Tip: Explore Allstate for telematics offerings


Allstate has more telematics options overall. The company's dedicated pay-by-the-mile plan, Milewise, is a great option for low-mileage drivers. 


Roadside assistance: AAA vs. Allstate

Below you'll find a breakdown of the different types of roadside assistance available from each company.

AAA

Perhaps no other company is more closely associated with roadside assistance than AAA. For that reason, it's no surprise that the company has an expansive selection of options available to both members and policyholders. Below is a list of options available:

  • Jumpstarts
  • Towing
  • Fuel delivery
  • Vehicle lockout
  • flat tire service
  • Stuck vehicle services

AAA offers different levels of membership that apply to roadside assistance. Those in higher tiers are often reimbursed for larger amounts or eligible for towing for longer distances. The highest tier even offers trip interruption coverage.

 

Allstate

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).

tow truck

AAA vs. Allstate: home insurance

While both companies have a huge presence in the auto insurance industry, the same goes for homeowners coverage. Each company has unique coverage options and price points. See our comparison to find out which company might be the best fit for your home insurance needs.

AAA homeowners insurance review

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3.98 Rating from The Zebra

As with AAA's car insurance offering, the company partners with a number of affiliated insurers to provide homeowners coverage. These companies include CSAA and Auto Club Indemnity Company. Ratings of AAA's home insurance offering are a composite of these companies in an effort to give a broad idea of what customers can expect.

  • The Zebra Customer Satisfaction Survey — 4.2/5: AAA ranked 14th in the overall homeowners carrier category of The Zebra Customer Satisfaction Survey.
  • Customer Service (J.D. Power) — Below Average: The average J.D. Power ranking of CSAA and Auto Club of Southern California Insurance group comes in just shy of the average for customer satisfaction. 
  • Financial Strength (AM Best) — Excellent: With a financial rating of “excellent,” you can rest assured AAA will be able to handle your claims.
  • Claims Satisfaction (NAIC) — Fewer complaints than average: The average number of complaints across different branches of AAA homeowners insurance companies is fewer than average.
Learn more

Allstate homeowners review

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4 Rating from The Zebra

Allstate offers highly customizable home insurance policies and is generally held in high regard by customers and rating agencies alike. The company's homeowners offering came in ninth overall in The Zebra Customer Satisfaction Survey, indicating that it fell somewhere in the middle of the pack. While Allstate offers a wide array of coverage options, those looking for the cheapest policy may do better to search elsewhere.

  • The Zebra Customer Satisfaction Survey — 4.3/5: Allstate earned satisfactory marks in The Zebra's consumer survey.
  • Claims satisfaction (J.D. Power) — Average: Allstate was rated as average in claims satisfaction by J.D. Power.
  • Customer satisfaction (J.D. Power) — Above average: Allstate was among the top performers in J.D. Power's 2020 study of customer satisfaction. 
  • Financial strength — Excellent: Allstate's finances grade out at an A+, according to A.M. Best.
  • NAIC Rating — Above Average: Allstate's homeowners insurance received fewer customer complaints than the national median.
Learn more

Which company comes out on top?

Tie


In this case, both companies come out very close in terms of ratings and product offerings. As a prospective customer, you should compare quotes and coverage options from each company to see which is best for your unique coverage needs.


AAA vs. Allstate: home insurance rate comparison

The average annual home insurance rates for AAA are $1,212. Allstate comes in somewhat higher at $1,594. Allstate and AAA both differ in their underwriting methods, so it's important to remember that your quotes may not match these exactly when you are searching for home coverage. 

Similar to car insurance, homeowners insurance prices can vary based on certain personal and location factors. Companies use not only your insurance history when putting together your quotes, but also historical data for the neighborhood, including crime rates, location to fire fighting services, and the likelihood of natural disasters.

Cheapest average rates
Cheapest average rates

The insurer with the cheapest home insurance rates is AAA at around $101 per month, somewhat cheaper than Allstate's average of $132 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


AAA vs. Allstate: homeowners discount comparison

Both AAA and Allstate provide discounts to homeowners who meet certain criteria. While these discounts are not as plentiful as many competitor companies, they may still help customers find significant savings.

AAA VS. ALLSTATE: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison AAA Allstate
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Early signing
Auto pay
Newer home

Zebra tip: Check out Allstate if you are seeking home insurance discounts


Allstate offers far more discount options than AAA for qualifying customers, though this doesn't necessarily mean that they will be cheaper for everyone.


Other insurance products and bundling options

Both AAA and Allstate have many insurance products available. Many of these can be bundled together for additional savings. See how the product offerings from AAA and Allstate compare below.

AAA vs. Allstate: other insurance products
Other products AAA Allstate
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
Offroad vehicles and ATVs

Find the best insurance policy for your needs.

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RECENT QUESTIONS

Can I get AAA roadside assistance without having insurance with them?

You should be able to purchase roadside assistance with AAA without&nbsp;switching your insurance coverage to AAA. Their roadside coverage is actually offered separate from their insurance policies for this specific reason.
Feb 14, 2017 Yuba City, CA

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.
Jul 2, 2018 Belleville, Il

What do I do if my vehicle was totaled while parked?

I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
Dec 1, 2017 Fargo, North Dakota

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.
Jun 4, 2019 Chino, CA

Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.