AAA vs American Family: which car insurance is right for you?
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.
- Roadside assistance
- Member benefits
- Excellent customer service
Our top pick: AAA
Known for travel and roadside assistance, AAA is also one of the largest auto insurance providers in the world.
- Established company
- Excellent customer service
- Member benefits
- No deductible on glass
- 24-hour claims
 American Family |
 AAA |
|
|---|---|---|
| About the provider | For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers. | AAA is a non-profit that has been serving motorists for over 100 years. With nearly 55.6 million members, the elite federation of motor clubs is known for its roadside assistance, discounts and rewards, and hands on customer service. |
| Price | Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs. | Policy costs depend your personal situation. Visit AAA for a quote based on your specific needs. |
| States served | 19 | All 50 states |
| User satisfaction* | B+ | N/A |
| J.D. Power ratings** | 4/5 on overall claims satisfaction | 2/5 on overall claims satisfaction |
| Driver discounts | View driver discounts | View driver discounts |
| Vehicle discounts | View vehicle discounts | View vehicle discounts |
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
Driver discounts
Vehicle discounts
American Family |
AAA |
|
|---|---|---|
| Anti-theft device | ||
| Anti-lock brake | ||
| Passive restraints | N/A | |
| Air bag | ||
| Other discounts | Auto safety equipment – 10-30% | New vehicle discount |
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.