AAA vs Allstate: Which is Better for You?
Read on to see which company is best for you.
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
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
Allstate car insurance
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.
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.
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|
|Very Good (740-799)||$3,004||$1,820|
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|
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|
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!
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.
|Financial strength (A.M. Best)||Superior||Excellent|
|JD Power (claims satisfaction)||Below average||Average|
|JD Power (customer satisfaction)||Average||Average|
|The Zebra's editorial review score||3/5||4/5|
|The Zebra's Customer Satisfaction Survey||4.6/5||4.5/5|
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.
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
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 4,794 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 2023.
|Anti-lock brake system||✓|
|Student away at school||✓||✓|
|Affinity membership alum||✓|
|Pay in full||✓||✓|
|eSign or ePay|
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.
Roadside assistance: AAA vs. Allstate
Below you'll find a breakdown of the different types of roadside assistance available from each company.
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:
- 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 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.
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.
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.
|Recent home buyer||✓|
|Newer/more durable roof||✓|
|Protective devices (smoke/burglar alarms, etc...)||✓||✓|
|Paid in full||✓|
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.
|Travel trailer insurance||✓||✓|
|Mobile home insurance||✓|
|Offroad vehicles and ATVs||✓||✓|
Find the best insurance policy for your needs.
Other people are also asking...
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
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.