AAA vs Safe Auto: Which is Better for You?

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

Picking an auto insurance company can be tough: rates can vary based on your driving record, location, and age, and every company's discounts vary. Auto Club (AAA) and Safe Auto are two of America's most popular auto insurance companies, offering high-quality policies across large swaths of the US.

In an effort to simplify the process of comparing insurance companies, we collected average rates from Safe Auto and Auto Club (AAA). These rates cover a variety of rating factors, chief among which are credit rating, driving infractions, and age. Check out the below rates and find an affordable policy today.

Go in-depth: Read our comprehensive reviews of AAA and Safe Auto.


Auto Club (AAA) vs. Safe Auto: by credit level

If you have very poor credit, Safe Auto could be preferable to Auto Club (AAA). On average, Safe Auto offers cheaper rates than Auto Club (AAA) for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward Check out typical insurance rates by credit level for Safe Auto and Auto Club (AAA) below.

Credit level Auto Club (AAA) avg. annual premium Safe Auto avg. annual premium
Very Poor (300-579) $6,569 $3,799
Fair (580-669) $4,023 $2,483
Good (670-739) $3,723 $3,358
Very Good (740-799) $3,004 $1,937
Exceptional (800-850) $2,814 $1,921

Auto Club (AAA) vs. Safe Auto: by citation

If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI offense in your rear view mirror, Safe Auto could be a better choice than Auto Club (AAA). Every insurer enacts rate penalties differently, so it's worth comparing quotes to understand which insurer suits you.

Violation Auto Club (AAA) avg. annual premium Safe Auto avg. annual premium
At-fault accident (damage < $1,000) $4,078 $2,867
At-fault accident (damage > $1,000) $4,002 $2,837
DUI/DWI $5,530 $2,867
Reckless driving $5,530 $2,867
Speeding ticket $4,078 $2,738

Auto Club (AAA) vs. Safe Auto: by age

Insurers use age to estimate risk, assigning rates accordingly. A car insurance policy is usually more expensive for teens — because of their inexperience — and more affordable for middle-aged drivers. Since every insurance company evaluates age brackets uniquely, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Safe Auto over Auto Club (AAA): the former's average annual rates are $1,994 less than the latter's..

Age tier Auto Club (AAA) avg. annual premium Safe Auto avg. annual premium
Teens $10,256 $8,262
20s $4,644 $2,764
30s $3,248 $2,764
40s $3,195 $2,053
50s $3,083 $1,862
60s $2,887 $1,707

Setting aside cost, there are myriad pros and cons of both Auto Club (AAA) and Safe Auto, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison Auto Club (AAA) Safe Auto
Good Student supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported
Student Away at School supported
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase supported
Pay in Full supported supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage supported
Ratings Comparison Auto Club (AAA) Safe Auto
Financial Strength Question mark icon Superior N/A
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Auto Club (AAA) Safe Auto
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance
Renters Insurance supported
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Auto Club (AAA) Safe Auto
About Auto Club provides its customers with customizable payment options, competitive rates and excellent features. Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
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. Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional Discounts AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members. Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
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