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Allstate vs AAA: A beginner’s guide

It is still easier said than done to choose the right insurance carrier for your auto insurance policy. Your case is unique, and your rate depends on factors such as your location, age, history of driving, and eligibility for applicable discounts. Auto Club (AAA) and Allstate, two of the most well-established firms in the auto insurance business, are also perfect choices for your automobile insurance.

Throughout the United States, both firms are often compared to each other as they both offer affordable insurance rates for drivers. We've gathered the average prices for both Auto Club (AAA) and Allstate to make sure the process is more straightforward. These rates consider everything, including variables such as driving convictions, age, and credit history. Here's a comprehensive look at the prices for auto insurance plans.

With AAA, you can select an insurance agent that, when it comes to payment options, premiums, and features, is all about customization. Allstate is well-known for providing top-tier security while staying affordable and providing a personalized approach that works well in various situations.

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AAA vs. Allstate: Insurance premium comparison

AAA vs. Allstate: Credit Score Compare Rates

An individual with a low credit score should take a look at Allstate, specifically 580 or lower. If you have an outstanding credit score (i.e., 800+), then AAA will be the best choice.

Credit rating AAA annual premium Allstate annual premium
Very Poor $6500 $2100
Fair $4000 $1120
Good $1600 $1000
Very Good $1990 $3510
Exceptional $1390 $1500

AAA vs. Allstate: High-Risk Drivers' Prices

What about those living with a bad record of driving? What if your record contains a speeding ticket or an accident at fault? What about a violation of DUI or reckless driving? We recommend going with Allstate in these situations. Allstate appears to provide much better policies than AAA for those that do not have a good driving record. To see how they compare to your particular problems, it's always important to take a look at both businesses.

Type of Violation AAA annual premium Allstate annual premium
At-Fault Accident (❮ $1,000 Damages) $3060 $3000
At-Fault Accident (❯ $1,000 Damages) $2990 $2200
DWI/DUI $4600 $3630
Reckless Driving $6140 $3370
Speeding $3060 $2250

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AAA vs. Allstate: Age Group Rates By Age Group Rates

Your age is one of the significant factors that decide your premium on a car insurance policy. As a driver, your age helps to pinpoint your risk factor. Choosing the right form of car insurance that will match well with your age bracket is essential, especially if you are younger than 20. As an experienced driver or someone older in age, comparison rates for this variable are also wise. Each insurance provider takes a particular approach when it comes to pricing its policies based on age.

In general, since it provides lower prices across the board, we suggest teenage drivers go with Allstate. There are their respective pros and cons for AAA and Allstate, including policy add-ons, general scores, discount schemes, financial stability, and customer support.

Age AAA annual premium Allstate annual premium
Teens $10240 $5100
20s $4640 $1623
30s $4630 $3630
40s $3240 $2901
50s $3190 $1438
60s $2880 $1000

If you choose Allstate, you can save an average of up to $390 a year, while AAA has an average of $400 in savings on auto insurance.

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 Allstate or AAA?

AAA has a higher customer ranking than Allstate. Both businesses have excellent opportunities for roadside service coverage.

Is Allstate the most expensive?

For vehicle owners, Allstate provides more competitive rates than AAA.

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.

Who has the best roadside assistance program?

AAA provides the best assistance on the roadside. Roadside assistance programs from AAA are almost the same all over the world. AAA membership fees vary by country, but the standard plan typically runs about $50 per year (there are three packages in all).

Is AAA worth the money?

The short answer is Yes. AAA is worth your money

Is AAA home and auto insurance good?

The service offered by AAA is consistently well-rated by its clients.

A favorable complaint rating was achieved, meaning the company received fewer complaints than the average company of its size.

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Learn more by city and state for car insurance




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