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Allstate vs AAA car insurance
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
|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|
|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
|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%|
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
|Anti-theft device||Up to 10%|
|Passive restraints||Up to 30%||N/A|
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|
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.
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