Allstate vs AAA: Who has the best car insurance? | finder.com

Allstate vs AAA car insurance

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Allstate vs AAA: Which insurer is right for you?

Are you trying to decide between Allstate and AAA for car insurance? We’ve got you covered.

Allstate offers a range of coverage options at affordable prices in all 50 states. The company has been insuring drivers since 1931 and has a reputation for good customer service, earning an A from the Better Business Bureau.

AAA is a well-established roadside assistance and travel discount company, but it also provides car insurance. Coverage through AAA requires a membership, which adds to the cost of your insurance. But with that membership come perks like travel planning, home lockout service, entertainment discounts and more.

Still not sure which provider to choose? Check out our head-to-head comparison of Allstate and AAA below.

  • Rewards for safe drivers
  • Basic to comprehensive
  • Your own dedicated agent

Our top pick: Allstate

Enjoy having your own dedicated agent to help you get the best discounts and coverage.

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent
Promoted
Allstate car insurance

Allstate

AAA

AAA

About the provider Allstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute. 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 Allstate 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 All 50 states All 50 states
User satisfaction* A N/A
J.D. Power ratings** 3/5 on overall claims satisfaction 3/5 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

Allstate car insurance

Allstate

AAA

AAA

Good student Up to 20% (full-time student, under 25).
Defensive driver Up to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims)
Good driver Up to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years.
Pay in full discount Up to 10%
Multicar
Military
Homeowner
Other discounts Drivewise – Up to 20% cash back (based on everyday safe driving)

EZ pay plan discount – Up to 5% (automatic withdrawal)

Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online)

Auto/life discount – Varies

Multi policy discount – Up to 10%

Early signing discount – Up to 10% (sign 7 days before policy becomes effective)

Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months)

Senior discount – Up to 10% (55+, not seeking full-time employment)

Safe drivers discount – Up to 45%

TeenSMART discount – Up to 10%

Low annual mileage

Purchase in advanced

Vehicle discounts

Allstate car insurance

Allstate

AAA

AAA

Anti-theft device Up to 10%
Anti-lock brake 10%
Passive restraints Up to 30% N/A
Air bag
Other discounts New car – Up to 30% (First owner, car under 2 years old)

Economy car – Up to 10%

Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior)

Farm vehicle – Up to 10%

New vehicle discount

Bottom line

If you’re looking for the perks that come with a AAA membership and you’re prepared to pay the annual membership fee, getting your car insurance through AAA might be a good idea for you. But if your sole concern is the price, then Allstate might be the better option. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to Allstate and AAA

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, 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. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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