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Deciding on a car insurance company can be hard: companies' rates may vary by location, vehicle, and driving record, and every company's discounts vary. State Farm and Auto Club (AAA) are among the most popular insurance companies, providing competitively priced coverage in many states.
In an effort to simplify the insurance-shopping process, we gathered average insurance premiums from Auto Club (AAA) and State Farm. These take into consideration a variety of rating factors, including credit rating, driving history, and age. Examine these rates and find the right policy for you.
If you have very poor credit, State Farm could be a better option for you. Typically, State Farm offers lower rates than Auto Club (AAA) for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should favor State Farm, which typically beats Auto Club (AAA) by $1,554 annually. View common insurance rates by credit tier for Auto Club (AAA) and State Farm:
|Credit level||State Farm avg. annual premium||Auto Club (AAA) avg. annual premium|
|Very Poor (300-579)||$3,522||$6,569|
|Very Good (740-799)||$1,451||$3,004|
If you're saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI offense on your driving résumé, State Farm could be a better choice than Auto Club (AAA). Every insurer prices policies differently after a violation, so it's worth comparing quotes to understand which insurer suits you.
|Violation||State Farm avg. annual premium||Auto Club (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 use age to outline risk potential, assigning rates accordingly. Auto insurance is often most expensive for teens — thanks to their inexperience — and most affordable for drivers aged 25 or older. Since every insurance company prices age brackets in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose State Farm over Auto Club (AAA): State Farm offers average yearly savings of $4,436, compared to Auto Club (AAA).
|Age bracket||State Farm avg. annual premium||Auto Club (AAA) avg. annual premium|
Cost aside, State Farm and Auto Club (AAA) each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
|Discount Comparison||State Farm||Auto Club (AAA)|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Auto Club (AAA)|
|JD Power Rankings||3 out of 5||2 out of 5|
|Other Products||State Farm||Auto Club (AAA)|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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||What could be the reason State Farm increased my premium?|
I started a claim but canceled it with no payout. Why is it on my CLUE report?
No accident, no ticket, no changes on my side. It is not normal for a premium to increase for no ...
Does State Farm match auto insurance quotes with other companies?
As I stated, nothing at all was done on a claim I started, just conversation. But when I bought coverage ...
Should I choose a company that is cheaper for my auto insurance or my home?
In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...
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I’m shopping for my home and auto insurance. I got competitive quotes from Travelers and State Farm. Which company is ...
|Does roadside assistance cover people not on your policy|
Customer service for AAA roadside assistance only versus AAA auto insurance?
How can I get roadside insurance coverage that covers anyone who drives my car? Cover the car, any driver, not ...
What do I do if my vehicle was totaled while parked?
Is someone who has AAA Roadside assistance with AAA as valuable to AAA as someone who has automobile insurance through ...
What steps do I need to take to gift a car to my son in Texas?
My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...
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I am in the process of giving my son a 1999 Lincoln Towncar. What do we need to do to ...
|Compare More||State Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. North Star Mutual State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA||Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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