AAA vs American Family: Which is Better for You?

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Auto Club (AAA) or American Family: Which company is best for you?

Selecting an auto insurance company can be complicated: rates can fluctuate based on your location, age, and driving history, and every company's discounts differ. AAA and American Family are two of the US' most popular insurance companies, providing competitively priced policies across many states.

To simplify the insurance-shopping process, we've gathered average costs from American Family and AAA. The below rates cover a number of rating factors, including credit score, driving history, and age. Examine these rates and find the perfect policy for you.

Looking for more information? Check out our reviews of AAA and American Family.


AAA vs. American Family: by credit level

If you have very poor credit, American Family could be preferable to AAA. On average, American Family offers more affordable prices than AAA for prospective clients with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should favor Check out typical insurance rates by credit score for American Family and AAA:

Credit score AAA avg. annual premium American Family avg. annual premium
Very Poor (300-579) $6,569 $1,931
Fair (580-669) $4,023 $1,294
Good (670-739) $3,723 $1,220
Very Good (740-799) $3,004 $1,009
Exceptional (800-850) $2,814 $941

AAA vs. American Family: by citation

If you are saddled with an at-fault collision, speeding violation, reckless driving citation, or DUI on your driving résumé, American Family could be a better choice than AAA. Each insurer has different post-violation pricing structures, so it's worth comparing quotes to understand which insurer suits you.

Infraction AAA avg. annual premium American Family avg. annual premium
At-fault accident (damage < $1,000) $4,078 $1,763
At-fault accident (damage > $1,000) $4,002 $990
DUI/DWI $5,530 $1,857
Reckless driving $5,530 $1,857
Speeding ticket $4,078 $1,270

AAA vs. American Family: by age

Insurers use age as an estimator of risk, assigning rates accordingly. A car insurance policy is typically expensive for young drivers — because of their inexperience — and most affordable for middle-aged drivers. Because each insurance company evaluates age brackets in a different way, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose American Family over AAA: the former's average annual rates are $6,446 less than the latter's..

Age tier AAA avg. annual premium American Family avg. annual premium
Teens $10,256 $3,810
20s $4,644 $1,685
30s $3,248 $1,685
40s $3,195 $1,089
50s $3,083 $1,089
60s $2,887 $986

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

Discount Comparison Auto Club (AAA) American Family
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags supported
Good Driver supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase supported supported
Pay in Full supported
Home Owner
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison Auto Club (AAA) American Family
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Below average Above average
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Auto Club (AAA) American Family
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features Auto Club (AAA) American Family
About Auto Club provides its customers with customizable payment options, competitive rates and excellent features. American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.
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. American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).
Additional Discounts AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members. None Available
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