Deciding on an auto insurer can be hard: rates can vary based on your driving history, location, and age, and every company's discounts vary. State Farm and AAA are two of the most popular insurance companies, offering competitively priced insurance policies in most American states.
To make shopping for car insurance easier, we gathered average rates from AAA and State Farm. The below cover a number of rating factors, including credit rating, driving history, and age. Check out the below rates and find an affordable policy today.
If you have very poor credit, State Farm could be the best option for you. On average, State Farm offers lower prices than AAA for prospective clients with credit scores of 579 or less. Insurance shoppers with extraordinary credit — a score of 800 or better — should lean toward State Farm, which typically beats AAA by $1,554 per year. View common insurance costs by credit level for AAA and State Farm below.
|Credit level||State Farm avg. annual premium||AAA avg. annual premium|
|Very Poor (300-579)||$3,522||$6,569|
|Very Good (740-799)||$1,451||$3,004|
If you have an at-fault accident, speeding ticket, reckless driving violation, or DUI offense on your record, State Farm could be a better choice than AAA. Every auto insurance company has different post-violation pricing structures, so don't be afraid to shop around to figure out which insurer is best for you.
|Violation||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|
Insurance companies rely on a driver's age as an estimator of risk, assigning rates accordingly. A car insurance policy is commonly expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company evaluates age tiers differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose State Farm over AAA: STATE FARM offers average yearly savings of $4,436, compared to AAA.
|Age tier||State Farm avg. annual premium||AAA avg. annual premium|
Finances aside, State Farm and AAA each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||State Farm||Auto Club (AAA)|
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|Ratings Comparison||State Farm||Auto Club (AAA)|
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|Other Products||State Farm||Auto Club (AAA)|
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|Other Features||State Farm||Auto Club (AAA)|
|About||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.|
|Roadside Assistance||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the 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, and locksmith services.||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.|
|Additional Discounts||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.|
|Recent Questions||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.See More Questions
|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.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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