State Farm vs Auto Club (AAA) Car Insurance

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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.
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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
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State Farm vs Auto Club (AAA)

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