State Farm vs. AAA: Which car insurance is better? | finder.com

State Farm vs. AAA: Which provider is better?

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State Farm vs. AAA

State Farm and AAA are well-known companies. But not everyone is aware that AAA also provides auto insurance, not just travel discounts and roadside assistance.

State Farm is the largest insurance company in the country, and it’s good at what it does. It is well-liked by its customers, earning a B+ from the Better Business bureau and an A++ rating from A.M. Best.

You’ll need to be a member to get insurance through AAA, which isn’t free. Memberships range from $57 to $100 annually. But with that membership you’ll get perks like emergency check cashing, 24 hour concierge services, entertainment discounts and more.

If you’re trying to decide between State Farm and AAA, check out our head-to-head comparison of the two below. You’ll find what you need to make your decision.

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State Farm

State Farm

AAA

AAA

About the providerFounded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list.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.
PricePolicy costs depend your personal situation. Visit State Farm 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 servedAll 50 statesAll 50 states
User satisfaction*B+N/A
J.D. Power ratings**3/5 on overall claims satisfaction2/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts


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

Driver discounts

State Farm

State Farm

AAA

AAA

Good studentUp to 25% (under 25). Additional discount if student is away from home and only using the car when back home.
Defensive driver
Good driver3 years no moving violations or at-fault accidents
Pay in full discount
MulticarUp to 20% (two or more vehicles in household)
Military
Homeowner
Other discountsDriving training – Varies (all operators under 21 complete approved drivers education)

Drive Safe & Safe – Enroll in the State Farm app

Low annual mileage

Purchase in advanced

Vehicle discounts

State Farm

State Farm

AAA

AAA

Anti-theft device
Anti-lock brake
Passive restraintsUp to 40% (medical-related coverage, vehicle made in 1994 or later)N/A
Air bag
Other discountsVehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)New vehicle discount

Bottom line

If you want the perks that come with a AAA membership and you’re prepared to pay the annual fee, then AAA is a great option. But if you’re not interested in paying an annual membership fee, then State Farm is the way to go.

Compare alternatives to State Farm and AAA

Roadside assistance New car protection
Liberty Mutual Included free
Yes, cars under 1 year old & 15,000 miles Go to site
More Info
Esurance Optional
Yes, cars under 1 year old & 15,000 miles Go to site
More Info
Allstate Included free
Yes, cars under 2 years old Go to site
More Info

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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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