State Farm vs Auto Club (AAA) Car Insurance

Compare all car insurance companies at once.

Your information is secure.

State Farm or Auto Club (AAA):
Which Company is Best for You?

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.


Compare State Farm vs. Auto Club (AAA) auto insurance rates


State Farm vs. Auto Club (AAA): by credit level

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:


RATES BY CREDIT SCORE: Auto Club (AAA) VS. State Farm
Credit levelState Farm avg. annual premiumAuto Club (AAA) avg. annual premium
Very Poor (300-579)$3,522$6,569
Fair (580-669)$2,003$4,023
Good (670-739)$1,613$3,723
Very Good (740-799)$1,451$3,004
Exceptional (800-850)$1,260$2,814

State Farm vs. Auto Club (AAA): costs for high-risk drivers

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Auto Club (AAA) VS. State Farm
ViolationState Farm avg. annual premiumAuto 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
DUI/DWI$3,854$5,530
Reckless driving$2,895$5,530
Speeding ticket$1,983$4,078

State Farm vs. Auto Club (AAA): rates by age bracket

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).


COMPARING AUTO INSURANCE RATES BY AGE: Auto Club (AAA) VS. State Farm
Age bracketState Farm avg. annual premiumAuto Club (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

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 ComparisonState FarmAuto Club (AAA)
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 ComparisonState FarmAuto Club (AAA)
Financial Strength SuperiorGood
JD Power Rankings
3 out of 5
2 out of 5
User Satisfaction

A++

N/A

Other ProductsState FarmAuto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState FarmAuto Club (AAA)
AboutGet 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 AssistanceState 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 DiscountsState 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 QuestionsWill my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?

I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...

Does state farm require you have a police report to file a claim?

My son was driving(24 yes old/ 0 accidents) and served to miss a deer and hit a fire hydrant. No ...

One deductible for two accidents?

Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...

Are some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

See More Questions
Does roadside assistance cover people not on your policy

How can I get roadside insurance coverage that covers anyone who drives my car? Cover the car, any driver, not ...

Customer service for AAA roadside assistance only versus AAA auto insurance?

Is someone who has AAA Roadside assistance with AAA as valuable to AAA as someone who has automobile insurance through ...

What do I do if my vehicle was totaled while parked?

My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...

What steps do I need to take to gift a car to my son in Texas?

I am in the process of giving my son a 1999 Lincoln Towncar. What do we need to do to ...

See More Questions
Compare MoreState 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. 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. 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. USAAAuto 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. 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. 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

State Farm vs Auto Club (AAA)

Do Keyless Ignitions Actually Put Your Car – and Your Life – at Higher Risk?
Do Keyless Ignitions Actually Put Your Car – and Your Life – at Higher Risk?
Dec 14, 2017

No broken windows. No lengthy process of wedging the door open. No hotwiring, no alarm, no concerned passerby dialing 911....

Be Thankful for Less Traffic: How to Make Thanksgiving Travel Less Painful
Be Thankful for Less Traffic: How to Make Thanksgiving Travel Less Painful
Nov 20, 2017

Thanksgiving is almost upon us, and to celebrate, we’ll travel near and far to cook and eat and laugh and...

How to Safely Handle Unsafe Road Situations
How to Safely Handle Unsafe Road Situations
Jun 29, 2017

What should you do if you’re in a minor accident but it doesn’t feel safe to get out of your...

Disaster Safety & Assistive Technology: Protection for Seniors & the Disabled
Disaster Safety & Assistive Technology: Protection for Seniors & the Disabled
Jun 10, 2017

Emergency Preparedness: How It Differs When disaster strikes, our first instinct is to check in with our loved ones and...

Free Car Services: Where & When to Find Them
Free Car Services: Where & When to Find Them
Jun 07, 2017

According to AAA, car maintenance costs average almost $800 per year for U.S. drivers. But if your car has a...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Mexico Insurance: What Is It and What Companies Offer It?
Mexico Insurance: What Is It and What Companies Offer It?
Feb 06, 2017

Your U.S. driver’s license is valid nearly anywhere in the world you might find yourself driving. However, car insurance policies...

Can I Pay My Car Insurance with Bitcoin?
Can I Pay My Car Insurance with Bitcoin?
Jan 23, 2017

Unless you’re a whiz of the finance or technology variety, the concept of Bitcoin might still be mostly relegated to...

How the Neighborhoods You Drive through Could Soon Affect Your Car Insurance
How the Neighborhoods You Drive through Could Soon Affect Your Car Insurance
Jan 12, 2017

Ever put much thought into the series of highways and streets you take to work, school, or the grocery store?...

5 Reminders Even Seasoned Winter-Weather Drivers Need
5 Reminders Even Seasoned Winter-Weather Drivers Need
Dec 12, 2016

Winter is here, as much as many of us would like to deny the obvious. Many parts of the northern...

Should Phone Makers Take on the Texting-While-Driving Problem?
Should Phone Makers Take on the Texting-While-Driving Problem?
Dec 05, 2016

We’ve all heard it: texting and driving is dangerous. In the United States, more than eight people are killed every...

Is Your Connected Home Smart Enough to Cut Your Insurance Costs?
Is Your Connected Home Smart Enough to Cut Your Insurance Costs?
Dec 02, 2016

Google Home and Amazon Echo: voice-activated assistants making life easier and cozier for families everywhere (ahem, say those heart-warming commercials...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

So, You Think You Can Pass a Driving Test?
So, You Think You Can Pass a Driving Test?
Sep 27, 2016

Most drivers on U.S. roads took Driver’s Ed and sat for the written portion of their driver’s test as young...

Telematics: Myth Vs. Reality
Telematics: Myth Vs. Reality
Aug 01, 2016

Most drivers have at least heard of telematics — even if they have no clue what utility or benefit telematics might...

The Drones Are Coming
The Drones Are Coming
Jul 20, 2016

For the casual observer, drones still exist mostly at extreme ends of the spectrum: either they’re used for (controversial) warfare,...

Should You Buy a Rental Car?
Should You Buy a Rental Car?
Jun 30, 2016

Rental cars often get a bad rap: since drivers are only borrowing the vehicle for a short period of time,...

You Blink, You Pay? The Latest in Biometrics for Auto Insurance
You Blink, You Pay? The Latest in Biometrics for Auto Insurance
Apr 11, 2016

A once-fictional technology seemingly used by the likes of James Bond might soon be a feature in a car near...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

The Surprising Reason Auto Insurance for Classic Cars is So Low
The Surprising Reason Auto Insurance for Classic Cars is So Low
Jan 07, 2016

It’s practically a universal truth: classic car owners take excellent care of their vehicles. On a whole, they tend to...

The Best Apps for Car Crashes and Emergencies
The Best Apps for Car Crashes and Emergencies
Dec 16, 2015

If you’ve ever been involved in a car crash, you know how difficult it can be to remember each detail...

The Ultimate Guide to Getting Your Party Guests Home Safe
The Ultimate Guide to Getting Your Party Guests Home Safe
Dec 08, 2015

Company holiday parties: a way for companies to show employee appreciation by offering loads of appetizers, festive decorations and music,...

How to Plan the Perfect Road Trip
How to Plan the Perfect Road Trip
Aug 21, 2015

Part of the allure of a road trip is making spontaneous stops, and even detours. Never seen the World’s Largest...

Love Wins: Car Insurance Updates for Newly Married Same-Sex Couples
Love Wins: Car Insurance Updates for Newly Married Same-Sex Couples
Jul 09, 2015

Justice and equality scored a big win on June 26th, 2015: the Supreme Court made marriage a right for all...

4th of July Driving: How to Deal This Weekend
4th of July Driving: How to Deal This Weekend
Jul 02, 2015

Not that you need any more doom and gloom in your life, but we have to tell you some bad...

Car Insurance Policy Add-Ons: Which to Grab and Which to Ditch
Car Insurance Policy Add-Ons: Which to Grab and Which to Ditch
Jun 29, 2015

Sifting through car insurance policy add-ons can be confusing and stressful. Which ones should you say yes to? Will you...

Are Car Alarms Actually Helpful?
Are Car Alarms Actually Helpful?
Jun 26, 2015

When you hear the 125 decible jet-engine level bleating of a car alarm, do you race to the phone to...

Five Signs You’re too Tired to Drive
Five Signs You’re too Tired to Drive
Jun 10, 2015

We’ve all been there: pushing through those last few miles on a long trip, or driving home after a late...

Progressive Penalizes Aggressive Drivers
Progressive Penalizes Aggressive Drivers
Apr 22, 2015

We had a feeling it was coming. Since the introduction of programs like Progressive’s Snapshot, insurers have claimed that their...

Road Rage + Your Insurance
Road Rage + Your Insurance
Mar 19, 2015

A few weeks ago, an Oklahoma man tried to change lanes in front of what he reports as “the wrong...

Ridesharing and Car Insurance: A Little White Lie?
Ridesharing and Car Insurance: A Little White Lie?
Jan 02, 2015

When Harry Campbell first decided to supplement his 9 – 5 (as an aerospace engineer) by driving for Uber and...

The Internet of Things for Cars: What Will it Mean for Insurance?
The Internet of Things for Cars: What Will it Mean for Insurance?
Aug 12, 2014

Imagine, for a moment, a world in which vending machines restock themselves. A world in which your wallet, via a...

How to Lower Car Insurance for Young Drivers
How to Lower Car Insurance for Young Drivers
Aug 06, 2014

When I turned sixteen, my father gave me the keys to a shiny blue 1998 Isuzu Rodeo—and the news that...