Auto Club (AAA) vs. American Family insurance

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Auto Club (AAA) or American Family:
Which Company is Best for You?

AAA vs. American Family insurance

Average monthly car insurance rate
Driver ProfileAAAAmerican Family
At-Fault Accident (past 12 months)$261$170Save $91
Good Credit (670-739)$152$113Save $39
Bad Credit (300-579)$326$190Save $136
Low-Mileage Driver (<7,500 miles/year)$148$110Save $38

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: premium comparison


AAA vs. American Family: pricing by credit score

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:


RATES BY CREDIT SCORE: AMERICAN FAMILY VS. AAA
Credit scoreAAA avg. annual premiumAmerican 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: costs for high-risk drivers

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.


RATES BY CITATION: AMERICAN FAMILY VS. AAA
InfractionAAA avg. annual premiumAmerican 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: rates 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..


RATES BY AGE: AMERICAN FAMILY VS. AAA
Age tierAAA avg. annual premiumAmerican 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 ComparisonAuto Club (AAA)American Family
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 ComparisonAuto Club (AAA)American Family
Financial Strength GoodExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

N/A

A

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Other FeaturesAuto Club (AAA)American Family
AboutAuto 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 AssistanceAAA 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 DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.None Available
Recent QuestionsCan 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.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
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.
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.
See More Questions
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