AAA vs. State Farm Auto Insurance in 2024 (Side-by-Side Review)

Comparing rates, coverage options, and customer service is important when looking at AAA vs. State Farm auto insurance.

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AAA vs. State Farm: Auto Insurance Rates by Age, Gender, and Driving Record

Because State Farm and the American Automobile Association (AAA) function so differently as companies, we want to ensure you know the differences between the two and the possible implications on your auto insurance service and also rate.

This comparison highlights the monthly rates for full coverage auto insurance from AAA and State Farm, segmented by age and gender. For instance, both 16-year-old females and males can expect to pay $465 with AAA, while State Farm offers a more affordable rate of $349. 

AAA vs. State Farm Full Coverage Auto Insurance Monthly Rates by Age & Gender

Entering the 30s, drivers are also just a bit more expensive with AAA at $99 for females and $103 for males and State Farm at $94 for females and $103 for males. Still competitive at age 45, AAA prices $88 for females and $86 for males — which is in the ballpark of State Farm’s price range.

By age 60, the rates decrease for both companies, with AAA at $76 for females and $77 for males, while State Farm maintains a steady rate of $76 for both genders. This analysis provides valuable insights for consumers seeking the best auto insurance rates based on demographic factors.

AAA vs Statee Farm Full Coverage Auto Insurance Monthly Rates by Driving Record

The following table compares AAA and State Farm full coverage auto insurance monthly rates by driving record. The both companies will charge $86 for drivers with clean record. But State Farm’s rate of $102 far outpaces AAA’s $133 for those with a not-at-fault accident.

Drivers with a speeding ticket see a rate of $108 with AAA and $96 with State Farm, while those with a DUI/DWI pay even more: $148 from AAA and $112 from State Farm. That way, consumers can see the impact of their driving history on insurance costs with each provider.

Having a good idea of what impacts auto insurance rates when picking coverage is important. Based on gender, age, and driving record, this comparison will help you decide if State Farm or AAA has the right premium for you.

Comparing Coverage Options: AAA vs. State Farm Auto Insurance Policies

State Farm is the more affordable car insurance company, but we want to check in on the auto coverages AAA and State Farm has to offer. This will give you the ability to tell which provider has more comprehensive policies, because price should only be one determining factor when comparing providers against each other.

Both car insurance providers give you the basic auto insurance policy features. Of course, AAA has a few add-on coverages that aren’t available in every state. This could be a dealbreaker if some of the extras are important to you and you live in a state for which AAA does not provide that coverage.

AAA Auto Insurance Coverages

AAA insurance provides various types of coverage, including standard auto insurance policies like liability, collision, and comprehensive coverage, such as:

• Accident Forgiveness: AAA does offer accident forgiveness as an add-on in certain states. This benefit ensures that your premium won’t increase after your first at-fault accident, which can be especially valuable for drivers aiming to maintain stable insurance rates.
• AAA Gap Insurance: Does AAA offer gap insurance? Of course. In the event of a total loss claim, gap car insurance covers the shortfall between your remaining loan balance and the payout you received for the full value of your vehicle.
• Non-Owners Insurance: AAA non-owner car insurance covers you when you drive someone else’s car, and is designed specifically for you if you don’t own a car but drive fairly regularly.
• Rental Car Reimbursement Insurance: AAA rental car discount and reimbursement will pay for your rental car as long as your car is being worked on in a shop during repairs and not 100% road worthy.
• Rideshare Insurance: AAA Rideshare Insurance is intended for those who drive people around for a living through Uber or Lyft. This is to be purchased alongside your standard auto insurance policy and will insure you while you are carrying passengers.

Keep in mind that these coverages may not be available in every state. For instance, you might not be able to find AAA insurance for rideshare drivers in your state.

Other states may not pick up the other add-ons, while others may only offer some, or all, of the other add-ons we listed above. Your best bet is to shop around, and talk with an agent to make sure the options you desire are available before you purchase.

State Farm Auto Insurance Coverages

Is the roadside assistance offered by State Farm? State Farm provides the same protection that AAA mentioned above, like cheap non-owner car insurance or Gap coverage. But as an example, State Farm’s coverages aren’t available only in a handful of states and so it’s easier to locate the add-on coverages with State Farm than AAA.

Is State Farm roadside assistance free? No, State Farm usually does not offer free roadside assistance. Instead, it can be available as an optional coverage added to your current auto insurance policy, or pay-per-use. This depends on the coverage level and the services included.

In the case of an accident out of state, compared to only covering rental car costs at State Farm, its rental car reimbursement insurance will also cover the travel expenses.

AAA vs. State Farm Roadside Assistance Coverage

Both AAA and State Farm offer great roadside assistance coverage. Roadside assistance will get the car repaired or towed to the repair shop if the vehicle becomes disabled in a covered event.

Does auto insurance include roadside assistance? Not really but adding one is fairly inexpensive. Roadside assistance on your policy typically costs less than $20 a month, which can quickly pay for itself with just one or two covered incidents.

At State Farm, the average increase for adding this coverage to your car insurance policy is under $10. AAA also remains quite affordable and you can obtain more comprehensive roadside assistance than the basic policy add-on available for car insurance. Roadside assistance has additional benefits too, such as assistance while traveling, as provided by AAA.

The biggest differentiation compared to State Farm is that State Farm will have tires delivered. If you already don’t have one, this can be a real service. AAA the wont which means AAA will only put your tire with a spare tire so you can drive to the shop and have a new one. AAA also won’t bring you oil, but State Farm will.

The AAA, however, will tow vehicles that have become stuck in snow, mud, etc, which State Farm will not. In other words, if you are trapped at the end of your driveway since the snow is too high, you can call AAA to dig you out to the road.

AAA vs. State Farm Auto Insurance Discounts

As we already pointed out, on average State Farm offers less expensive car insurance than AAA, but auto insurance discounts can help lower your typical AAA insurance rates.

Both companies offer traditional auto insurance discounts that you can find at most insurers such as good driver and multi-policy discounts. However, more rarely offered discounts can vary from one company to the next. As an example of this, the insurance company State Farm offers a defensive driving discount and AAA does not.

AAA Auto Insurance Discounts

The biggest AAA car insurance discounts is the low-mileage discount, which rewards drivers for keeping their mileage down. Drivers will need to provide their odometer readings for mileage verification, but it can help take up to 9.1 percent off their auto insurance policy, which is a big saving.

Besides the openness for bad credit AAA additionally has a loyalty discount of as much as 10% for those prospects who have been with AAA two years or longer.

Large bundling discounts are available if you bundle home or renters insurance with auto insurance.For instance, the discount for buying AAA home insurance alongside your auto insurance can yield up to 14% off your auto policy. It can be worth checking to see how bundling savings might work when comparing AAA vs. State Farm home insurance.

State Farm Auto Insurance Discounts

We also mentioned the good discounts available to help customers lower their auto insurance rates in a State Farm auto insurance review. You can save on a number of things, including one of its largest discounts: a safe driving discount if you enroll in State Farm Drive Safe & Save. Insurance companies have a habit of offering 30% discounts on your auto insurance policy if you are a safe driver. 

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— AutoInsurance.org (@AutoInsurance) March 10, 2023

For young drivers younger than 25 years old who are three years free of at-fault accidents and moving violations, State Farm also has its Steer Clear program. Young drivers can obtain up to 15% off their policy upon successful completion of the program; a steep discount when you consider young drivers are already facing some of the highest insurance rates available.

Thus, if parents already have kids joining the family auto insurance policy, they should encourage their new drivers to take part in the program to lower their policy price.

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AAA vs. State Farm Auto Insurance Mobile Experiences

One important consideration customers sometimes overlook in judging an auto insurer is the ease of use of its mobile apps and websites. Based on this review, we found the websites for both AAA and State Farm to be fairly easy-to-navigate, providing consumers with information on several types of auto insurance, such as coverages, discounts, etc.

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AAA tests revealed that new vehicles (2024) equipped with Automatic Emergency Braking systems avoided collisions at speeds up to 35 mph 100% of the time compared to older systems (2017-2018).
Read the full report: https://t.co/9FhBevY8R8 #AAA #ADAS #SafetyWin #NextGenCars 🚗🙌 ✅

— AAA (@AAAnews) October 24, 2024

But State Farm has the upper hand in mobile app ratings, while Geico actually has better reviews in other key writer categories. We’ll discuss the mobile app ratings in more depth in the following sections.

AAA Mobile Experience

AAA has an app available on Google Play or Apple Store. This AAA car insurance app garnered the following AAA auto insurance ratings and reviews on those two sites:

• Google Play: 4.4 over 5 from more than 50 thousand reviews.
• Apple Store: 4.5 out of 5 stars (47,159 reviews, average rating is 4.7 out of 5)

You can do more with the app because it is not designed to service auto and home insurance customers. Instead, you could view your AAA membership and request roadside assistance. You will have to make all future edits to your auto insurance policy online at the AAA website.

State Farm Mobile Experience

You can get the State Farm auto insurance app on Google Play or the Apple store, according to the brand of Smartphone you have. A step ahead of AAA’s mobile app, as the ratings below illustrate.

• Google Play: Based on more than 130 thousand reviews — 4.7 stars out of five.
• Apple Store: 4.7 stars out of five from +619,000 reviews.

The online mobile app from State Farm gives you access to your auto insurance plan and manage your auto insurance policy, whether you have to pay a bill or monitor a claim. State Farm auto roadside assistance can also be requested through the app. So with State Farm, it’s easier to get information on the mobile app than AAA, so it is the better app for drivers.

AAA vs. State Farm Customer Service Rating

Comparing insurance business ratings and customer reviews AAA is respected at 823 out of 1,000 in the eyes of the customer, with J.D. Power scoring State Farm the highest with an average of 877 out of 1,000 among the 20 largest auto insurers. However, AAA also garnered an A for solid business practices but not as high as State Farm’s, given AAA’s C- business practices score.

Insurance Business Ratings & Consumer Reviews: AAA vs. State Farm

In customer feedback, State Farm scores 75 compared to AAA at 74 according to Consumer Reports. According to A.M. Best, the financial strength ratings for AAA comes in at an A (excellent) while State Farm has a B (fair). The following overview outlines where the two compare in terms of customer satisfaction, their way of doing business, and their financial strength.

Customer Service Another consideration when comparing two auto insurance companies is customer service. Customer service that is good means the company processes claims fast, communicative and ready to help customers with issues and questions. Customer service reviews and ratings are a good indicator of a company’s reputation.

One Redditor user recalls how frustrated they were with AAA insurance after a fender-bender, in which the other driver involved was insured by AAA. The police report stated the other driver was at fault but user reports AAA has been slow to respond, unprofessional, and has been delaying the claim filled.

They have had good experiences with the best roadside assistance plans, but this situation has made them doubt the validity of AAA auto insurance. They ask for tips on how to escalate their issues and fix the problems they experienced.

A state farm auto insurance billing confusion was posted by a user on Reddit. First, they paid $74 for non-owner’s insurance, then they failed to make a payment and were billed $328 to insure a car, then received a $353 notification and also a puzzling $573 notice reflecting premium changes and policy changes.

Lack of clarity from their agent about policy details and trouble changing from one type of policy to another also factored into their frustration. We strongly suggest that you assess any company you are going to join to see reviews and ratings.

Although you can never find an auto insurance company without negative reviews, a large number of consumers that were unhappy should be a major red flag. Good reviews mixed with bad reviews, with poor reviews being the majority are a sign that their customer service is lacking.

This side by side comparison will look at AAA and State Farm, and the market share they hold within the auto insurance market. Top providers are State Farm, AAA and others, making up a combined 81.8% of the market.

This summary presents how auto insurance is competitive and where these two major insurers rank among other competitors in the industry.

Evaluating Thoughts on AAA vs. State Farm Auto Insurance

When it comes to their average rates, State Farm is cheaper than AAA, with monthly rates of $33 less than that of AAA on average. For example, AAA is well-regarded for its incomparable roadside assistance and membership perks, but its premiums are usually higher, in part because of membership requirements.

While this may not seem like a big deal, it means that State Farm offers a much better mobile experience and competitive coverage options with no restrictions on certain states. State Farm is not only more affordable than AAA, but it also beats its rival in customer satisfaction, making it the insurance provider of choice for many drivers looking for comprehensive auto insurance.

Knowing how insurance works can feel complicated, but looking for affordable deals doesn’t have to be. Enter your ZIP code below for the flexible insurance rates available.

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