AAA vs. Safe Auto

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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.


Comparing car insurance rates: Auto Club (AAA) vs. Safe Auto


Auto Club (AAA) vs. Safe Auto: pricing by credit score

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 levelAuto Club (AAA) avg. annual premiumSafe 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: high-risk insurance rates

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.

RATES BY CITATION: Safe Auto VS. Auto Club (AAA)
ViolationAuto Club (AAA) avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$4,078$2,867
At-fault accident (damage > $1,000)$4,002$2,837
Reckless driving$5,530$2,867
Speeding ticket$4,078$2,738

Auto Club (AAA) vs. Safe Auto: rates 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 tierAuto Club (AAA) avg. annual premiumSafe Auto avg. annual premium

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 ComparisonAuto Club (AAA)Safe Auto
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
New Vehicle
Annual Mileage
Ratings ComparisonAuto Club (AAA)Safe Auto
Financial Strength SuperiorN/A
JD Power Rankings Below averageN/A
User Satisfaction 4.2/54.2/5
Other ProductsAuto Club (AAA)Safe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)Safe Auto
AboutAuto 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 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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsAAA 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.
Recent QuestionsCan 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 AAA
The 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.
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Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Do I pay a deductible for a liability claim?
You are not responsible for a&nbsp;deductible&nbsp;unless you have&nbsp;comprehensive&nbsp;and&nbsp;collision&nbsp;coverage. Since you only have&nbsp;liability, the damages to your car will not be covered which means there is no&nbsp;deductible.
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