AAA vs. American Family: Which provider is better?

AAA vs. American Family: Which provider is better?

AAA vs. American Family

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.

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AAAAAAAmerican FamilyAmerican Family
AboutAAA 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.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.
PricePolicy costs depend your personal situation. Visit AAA for a quote based on your specific needs.Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.
States servedAll 50 states19
User satisfaction*N/AB+
J.D. Power ratings**2/5 on overall claims satisfaction4/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

AAAAAAAmerican FamilyAmerican Family
Good studentYesVaries. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driverYes5-10% (55+, completed defensive driving course)
Good driverNoYes
Pay in full discountYesNo
Multi carYesYes
MilitaryNoNo
HomeownerYesNo
Other discounts
  • Low annual mileage
  • Purchase in advanced
  • 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)

Vehicle discounts

AAAAAAAmerican FamilyAmerican Family
Anti-theft deviceYesNo
Anti-lock brakeNoNo
Passive restraintsN/ANo
Air bagYesYes
Other discounts
  • New vehicle discount
  • Auto safety equipment – 10-30%

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 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

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