AAA vs Allstate: Which is Better for You?
- The Zebra's pick: AAA
- AAA beats Allstate in both price and customer service scores.
- Your experience with Allstate and AAA will vary based on individual rating factors.
Why you can trust The Zebra
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of experience in the insurance industry
Beth Swanson is The Zebra’s Insurance Analyst and Communications Specialist, covering content, PR, and legislative insurance trends. A licensed insur…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
AAA vs. Allstate: What's the difference?
The Zebra's choice: AAA
AAA takes the top spot for pricing as well as customer service scores.
AAA:
- Cost: $101/month for full coverage
- Customer service: 3.3
- Claims handling: 3
- Digital experience: 4.8
- Trust: 4
- Overall rating: 3.9
AAA comes out on top when it comes to customer service and digital experience
Allstate:
- Cost: $124/month for full coverage
- Customer service: 2.9
- Claims handling: 2
- Digital experience: 4
- Trust: 1.8
- Overall rating: 2.9
Allstate didn't compare to AAA when reviewing scores
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.
| 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 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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.
| 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.
Compare rates and start saving today!
AAA vs. Allstate: discount comparison
Below you can see a head-to-head rundown of discount options for auto insurance.
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.
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.
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.
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).
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
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.
Allstate homeowners review
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.
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.
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.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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.
| 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.
| 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.
Related Questions
Can I get AAA roadside assistance if I don't have insurance with them?
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 editorial 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.
