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Compare AAA vs American Family car insurance

AAA vs American Family: which car insurance is right for you?

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Fact checked

Considering AAA and American Family for car insurance? We’ve got the details you need on each provider to make your decision.

AAA is a well-established roadside assistance and travel discount company, but it also provides car insurance. In order to get coverage through AAA you’ll need to be a member, which costs up to $100 annually. But with that membership come perks like travel planning, home lockout service, entertainment discounts and more.

Although American Family only services 19 states, it is the 10th-largest insurance provider in the US. It also has a great reputation for customer service, earning a B+ from the Better Business Bureau.

So which one should you choose? Take a look at our side-by-side comparison below to get a better idea of which one might best suit your needs.

Our top pick: AAA

Member benefits extend beyond car insurance to offer discounts, bike coverage and more.

  • Established company
  • Excellent customer service
  • Member benefits
  • Fair estimates
  • No deductible on glass
  • 24-hour claims
  • Roadside assistance
  • Member benefits
  • Excellent customer service
 

AAA

American Family

OVERVIEW

OVERVIEW
About the provider
About the brand Member benefits extend beyond car insurance to offer discounts, bike coverage and more. American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served
States served All 50 states AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
email
phone
online
phone
Payment schedule
Payment schedule 12 months
6 months
monthly
12 months
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes, up to 37% No
Military discount
Military discount No Yes
Multi car discount
Multi car discount Yes, up 27% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes, up to 20% Yes, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, up to 14% Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Bottom line

If you’re looking for the added rewards that come with an AAA membership, then getting car insurance through AAA might work well for you. But if cost is your main concern then you’ll want to closely consider all of the discounts each provider offers to determine which one will save you the most money. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to AAA and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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