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.
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 |
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 |
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 | ||
| 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 Comparison | Auto Club (AAA) | Safe Auto |
|---|---|---|
| Financial Strength | Superior | N/A |
| JD Power Rankings | Below average | N/A |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Auto 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 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. |
| Recent Questions |
I want to get my own car insurance, but my mom won't let me.
Because your mother has an umbrella policy through AAA, she is likely required to have you rated as a driver on her policy. This is a common requirement with insurance carriers who offer umbrella insurance.
Can 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.
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Do I pay a deductible for a liability claim?
You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
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