State Farm vs AAA: Which is Better for You?
- The Zebra's pick: State Farm
- State Farm is cheaper but rated similarly to AAA.
- Your experience with State Farm and AAA will vary based on individual rating factors.
Learn more about how State Farm and AAA compare based on your credit score, age and driving history below.
State Farm vs. AAA: What's the difference?
The Zebra’s choice: State Farm
While scores for both companies are similar, State Farm offers cheaper average rates.
State Farm:
- Cost: $98/month for full coverage
- Customer service: 3.6
- Claims handling: 2
- Digital experience: 4.8
- Trust: 4
- Overall rating: 3.6
State Farm is better rated in customer service and price.
AAA:
- Cost: $101/month for full coverage
- Customer service: 3.3
- Claims handling: 3
- Digital experience: 4.8
- Trust: 4
- Overall rating: 3.9
AAA is rated better for claims, but is slightly more expensive.
State Farm vs. AAA: rates for high-risk drivers
If you're carrying an at-fault accident, speeding violation, reckless driving violation or DUI on your driving record, State Farm offers lower premiums than AAA. Every car insurance company will handle driving offenses differently, so don't be afraid to shop around and get quotes to find out which insurance company suits you.
RATES BY CITATION: AAA VS. STATE FARM
| Citation | State Farm avg. annual premium | AAA avg. annual premium |
| At-fault accident (damage < $1,000) | $2,849 | $4,078 |
| At-fault accident (damage > $1,000) | $1,524 | $4,002 |
| DUI/DWI | $3,854 | $5,530 |
| Reckless driving | $2,895 | $5,530 |
| Speeding ticket | $1,983 | $4,078 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
State Farm vs. AAA: rates by age
Insurance companies use age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is typically most expensive for teen drivers — thanks to their inexperience — and more affordable for drivers aged 25 or older. Because every insurance company rates ages in a different way, it's smart to shop around and find the perfect policy for you.
In general, teen drivers should choose State Farm over AAA: State Farm offers average yearly savings of $4,436, compared to AAA.
RATES BY AGE: AAA VS. STATE FARM
| Age bracket | State Farm avg. annual premium | AAA avg. annual premium |
| Teens | $5,820 | $10,256 |
| 20s | $2,379 | $4,644 |
| 30s | $1,585 | $4,644 |
| 40s | $1,587 | $3,195 |
| 50s | $1,558 | $3,083 |
| 60s | $1,485 | $2,887 |
Affordability aside, State Farm and AAA each carry 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.
Compare rates and start saving today!
State Farm vs. AAA: discount comparison
Discounts are a great way to bring down the costs of your car insurance. See how each company's available discount options stack up below.
Due to AAA's partnerships with other car insurance companies to provide policies, some of these discount options may not be available in some locations. Always ask about what discounts you are eligible for when shopping for your policy.
Telematics options: State Farm vs. AAA
State Farm and AAA both offer telematics programs that can help to measure your driving habits and calculate the level of risk you pose. Take a look at our rundown of available options from both carriers below.
State Farm Drive Safe & Save is a good option for safe and low-mileage drivers. The company claims that it can save customers up to 50% on premiums, though these types of savings are most likely to be seen by lower-mileage drivers. The program is available in most states.
Depending on the state in which they reside, some customers may be able to sign up for OnBoard, AAA's telematics option. The company boasts savings of 15% at sign-up, with total savings of up to 30% possible for eligible drivers. However, there is no separate app at the time of writing, meaning that all participants must download the AAA mobile app.
Zebra Tip: Explore State Farm for telematics offerings
While AAA's telematics app offers a good percentage of possible savings, it is not available to everyone. State Farm's app is more widely available and best for low-mileage drivers.
Roadside assistance: State Farm vs. AAA
No one wants to be stuck on the side of the road. If you ever find yourself in that situation, you'll want a roadside assistance program that can get you back on the road quickly. Take a look at each company's roadside assistance options below.
State Farm
State Farm's Emergency Road Service offers the following:
- Mechanical labor at the place of breakdown
- Towing of your vehicle to a repair facility,
- Removal of a stuck vehicle
- Delivery of gas or oil
- Assistance with changing a tire or a jumpstart
- Locksmith services
AAA
Perhaps no other company is more closely associated with roadside assistance than AAA. For that reason, it's no surprise that the company has an expansive selection of options available to both members and policyholders. Below is a list of options available:
- Jumpstarts
- Towing
- Fuel delivery
- Vehicle lockout
- flat tire service
- Stuck vehicle services
AAA offers different levels of membership that apply to roadside assistance. Those in higher tiers are often reimbursed for larger amounts or eligible for towing for longer distances. The highest tier even offers trip interruption coverage.
State Farm vs. AAA: home insurance
Both State Farm and AAA have popular home insurance options to accompany their auto coverage. Below, we take a look at how the two companies compare.
State Farm homeowners insurance review
State Farm has a number of great options for add-on coverage, making them a great option for customers looking for flexible or with unique coverage needs. However, State Farm's average rates tend to be higher than average. Also, the company suffers from a lack of available homeowners discounts — only four discount options at present. State Farm's home insurance options enjoy good ratings from third-party agencies, and the company ranked fifth place overall in The Zebra Customer Satisfaction Survey. Still, homeowners looking for basic insurance with no bells or whistles may wish to look for an alternative.
Learn more about the company's home insurance in our detailed review below.
- The Zebra Customer Satisfaction Survey — 4.4/5: State Farm was given an above-average rating among the top 15 home insurance providers surveyed.
- Claims satisfaction (J.D. Power Rating) — Below average: J.D. Power's most recent study rated State Farm as just shy of the industry average for property claims satisfaction.
- Customer satisfaction (J.D. Power Rating) — Above average: State Farm was awarded an above-average rating for customer satisfaction in J.D. Power's Home Insurance Study.
- Financial strength — Excellent: A.M. Best rated State Farm as having excellent financial viability, signaling its ability to pay for claims.
- NAIC Rating — Average: State Farm's home insurance received an average amount of complaints as logged by the National Association of Insurance Commissioners (NAIC).
AAA homeowners review
As with AAA's car insurance offering, the company partners with a number of affiliated insurers to provide homeowners coverage. These companies include CSAA and Auto Club Indemnity Company. Ratings of AAA's home insurance offering are a composite of these companies in an effort to give a broad idea of what customers can expect.
- The Zebra Customer Satisfaction Survey — 4.2/5: AAA ranked 14th in the overall homeowners carrier category of The Zebra Customer Satisfaction Survey.
- Customer Service (J.D. Power) — Below Average: The average J.D. Power ranking of CSAA and Auto Club of Southern California Insurance group comes in just shy of the average for customer satisfaction.
- Financial Strength (AM Best) — Excellent: With a financial rating of “excellent,” you can rest assured AAA will be able to handle your claims.
- Claims Satisfaction (NAIC) — Fewer complaints than average: The average number of complaints across different branches of AAA homeowners insurance companies is fewer than average.
Which company comes out on top?
State Farm
Despite its higher-than-average rates, State Farm still comes out on top over AAA for homeowners insurance. State Farm's robust coverage options and positive third-party ratings outrank AAA's structure.
State Farm vs. AAA: home insurance rate comparison
State Farms average homeowners insurance rate is $1,356 per year. The average rates for AAA come in slightly cheaper at $1,212 annually. It's important to note that every company has its own underwriting methods, meaning that prices can vary one company to another. This is even true amongst AAA partner companies.
Home insurance rates are comprised of both individual and environmental factors. This can include things such as your claims history, area crime and your proximity to fire fighting services. For this reason, it's important to shop around when looking for home insurance quotes.
AAA has cheaper rates than State Farm on average, with annual savings of $144.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
State Farm vs. AAA: homeowners discount comparison
Discounts can be enticing to prospective insurance shoppers. See how the homeowners discount options from State Farm and AAA compare below.
| Discount comparison | State Fram | AAA |
|---|---|---|
| Claims free | ✓ | |
| Recent home buyer | ||
| Multi-policy | ✓ | |
| Early signing | ||
| Newer/more durable roof | ✓ | ✓ |
| Protective devices (smoke/burglar alarms, etc...) | ✓ | ✓ |
| Paid in full | ||
| Early signing | ||
| Auto pay | ||
| Newer home | ✓ | |
| Renovated home | ✓ | |
| Senior citizen | ✓ |
Zebra tip: Check out AAA is you are seeking home insurance discounts
AAA offers more discounts than State Farm for qualifying customers, but keep in mind this doesn't necessarily mean that they'll be cheaper for everyone.
Other insurance products and bundling options
State Farm and AAA both offer multiple lines of insurance that can be bundled together. This can streamline your insurance policies and also lead to potential savings. Along with auto and home, customers may be able to add life, pet, or even small business coverage from State Farm and AAA. Take a look at the additional coverage types available from each company below.
| Other products | State Farm | AAA |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | ✓ |
| Homeowners insurance | ✓ | ✓ |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | ✓ |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | |
| Umbrella | ✓ | ✓ |
| Offroad vehicles and ATVs | ✓ | ✓ |
| Classic car | ✓ | ✓ |
| Small business | ✓ | ✓ |
| Farm and ranch | ✓ | |
| Pet | ✓ | ✓ |
Find the best insurance policy for your needs.
Frequently asked questions: State Farm vs AAA
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.