Compare AAA vs American Family car insurance | finder.com

Compare AAA vs American Family car insurance

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

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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

American Family

AAA

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

American Family

American Family

AAA

AAA

Good student Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driver 5-10% (55+, completed defensive driving course)
Good driver
Pay in full discount
Multicar
Military
Homeowner
Other discounts Loyalty discount Early-bird discount

Steer into Savings discount

Low mileage discount – Drive less than 7,500 miles per year

Teen Safe Driver discount – Enroll teen in free program

Young volunteer discount
– Under 25, 40+ hours per year volunteering for non-profit

Generational discount – 18-24 with a parent who is an American Family customer

KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)

Low annual mileage

Purchase in advanced


Vehicle discounts

American Family

American Family

AAA

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.

Compare alternatives to AAA and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
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Optional
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AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
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It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
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Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

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