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AAA and State Farm are among the well-known car insurance companies in the United States. State Farm has an exceptionally high profile because of its witty TV commercials and catchy jingle: "Like a good neighbor, State Farm is there!" Both businesses have been around for quite some time. They are a powerful company with many distinct strengths and weaknesses over time.

State Farm is better at finances and more optimistic to their clients. State Farm has a wide variety of mobile applications to help you more effectively navigate your strategy.

AAA and State Farm are both very well-known brands in the auto insurance business, each with its unique strengths. These are drastically different definitions. For instance, State Farm has a more significant media presence than its competitor, AAA.

AAA vs State Farm: Coverage and Benefits

When you compare AAA vs. State Farm, you can see that both of the two firms provided different kinds of policies. For instance, some states require personal injury coverage. In contrast, some states allow their residents to save money by buying towing and labor coverage. AAA offers this kind of content. AAA is providing personal injury coverage, which is required in some states. Towing and labor add-on that can help alleviate complications that may arise while State Farm offers traveling. After drivers spend some time in a AAA/State Farm office and pick their insurance, no contact occurs between the driver and the insurance provider. If it appears, it is usually during the claims process. This is why it is essential for measured claims processing to be used in customer satisfaction studies.

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AAA vs State Farm: Claims satisfaction

We rated the companies listed and their rivals based on some different metrics (KPIs). Most of the KPIs used to evaluate rankings pertain to the claims process and come under three super KPIs.

Both AAA and State Farm have the same ranking in terms of customer satisfaction. Both the auto insurance companies have performed well based on some main performance metrics.

AAA vs State Farm: Frequency of complaints received

The analysis of the frequency of complaints would enable an insurance provider to assess overall satisfaction among their patrons. The frequency of customers using a service will give a consumer a clear picture of that service's efficiency. Our analysis compares the number of justified complaints each organization has received in the state with their policyholders and their claims adjusters to determine the percentage of justified complaints.

State Farm reported fewer complaints than AAA as a proportion of the complaints received by AAA.

AAA vs State Farm: Financial stability

Assessing an insurance firm's financial strength isn't always the first thing we think to do when we compare companies such as AAA vs. State Farm. However, it's an important aspect to evaluate. If an organization is unable to back its policies in the case of a major catastrophe or if a high number of lawsuits are filed, they are a terrible option for disaster coverage.

A comparison of AAA's and State Farm's respective financial strength can be made by accessing a list of the five credit rating agencies: Moody's, A.M. Best, Standard & Poor's, Fitch Ratings, or Kroll Bond Rating Agency.

A+, the highest possible rating from A.M. Best, suggests a positive financial outlook for the company. State Farm's financial stability is ranked A.M.. Best is much better than the other ranking because Moody's means that the company is in superior financial condition.

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AAA vs State Farm: Price and discounts

Like the cost of insurance, premiums' price can differ based on a driver's age, gender, geographic position, driving background, and credit history. Although not all businesses give discounts to drivers, State Farm and AAA promote good driving and vehicle safety by offering a range of values. When AAA compared to State Farm, AAA offered more options than State Farm.

Here’s a rundown of each company’s discounts:

Types of discount AAA STATE FARM
Multiple Vehicle Yes Yes
Multiple Policy Yes Yes
Vehicle Safety Yes Yes
Good Student Yes Yes
Student Away from Home No Yes
Completed Driver Training Course No Yes
Completed Safe Driving Course No Yes
Safe Driver Yes Yes
Homeowner Yes No
Annual Mileage Yes No
Group, Union Organization Savings Yes No
Pay in Full Yes No
Automatic Payment Yes No
Anti-Theft Yes Yes
Accident-free Driver No Yes

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Which is better State Farm or AAA?

Throughout the years, both AAA and State Farm have established distinct strengths and weaknesses. State Farm has superior financial resources compared to AAA and therefore pays out claims on a timely basis.

Is AAA or State Farm cheaper?

For prospective customers, State Farm provides lower rates than AAA. Buyers of insurance should lean towards State Farm, which usually beats AAA by $1550 per year.

Why is AAA insurance so expensive?

Your final premium is dependent on several variables, such as your driving record, history of insurance, the type of vehicle you drive, and more, and all insurance providers will not provide the same rate. In calculating your final premium, AAA has its very own formula.

Is AAA home and auto insurance good?

The service offered by AAA is consistently well-rated by its clients. The organization received fewer complaints than the typical business of its size.

Who are the top 5 insurance companies?

The following automobile insurance firms are top-ranked for the year 2022:

Is AAA a good insurance company?

Compared to its size, AAA has the fewest complaints against state regulators. AAA was ranked above average by its clients.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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