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.
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 | 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 |
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.
| 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 |
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..
| 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 | Good | Superior |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| 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. | Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense 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. | 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 AAAThe 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 driveThere'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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