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 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 Auto Club (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 Auto Club (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.

Seeking additional insights? Consult our comprehensive reviews of State Farm and AAA.


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 the best option for you. On average, State Farm offers lower prices than Auto Club (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 Auto Club (AAA) by $1,554 per year. View common insurance costs by credit level for Auto Club (AAA) and State Farm below.


CREDIT SCORE INSURANCE RATE COMPARISON: 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): high-risk driver rates

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 Auto Club (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.


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

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 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 tierState 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

Finances aside, State Farm and Auto Club (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 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
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
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 QuestionsMy 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.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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
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. 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 Insurance State Farm vs. Safe Auto State Farm vs. Safeco 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. 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. Safe Auto Auto Club (AAA) vs. Safeco 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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