State Farm vs AAA: Who has better car insurance? | finder.com

Who has the best car insurance, State Farm or AAA?

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

State Farm vs AAA car insurance

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 AM Best. And 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.

  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states

Our top pick: State Farm

Get personalized, one-on-one support from your local State Farm agent.

  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states
Promoted
 

State Farm

AAA

OVERVIEW

OVERVIEW
About the provider
About the brand Get personalized, one-on-one support from your local State Farm agent. Known for travel and roadside assistance, AAA is also one of the largest auto insurance providers in the world.
States served
States served All 50 states All 50 states
User satisfaction
User satisfaction 3 stars 5 stars
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Accident forgiveness Yes No
SR-22 insurance
SR-22 insurance Yes
No
Claims methods
Claims methods online
email
phone
in-person
online
email
phone
Payment schedule
Payment schedule 6 months
monthly
12 months
6 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No Yes, up to 37%
Military discount
Military discount No No
Multi car discount
Multi car discount Yes, Up to 20% Yes, up 27%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 40% Yes
Safe driver discount
Safe driver discount Yes Yes, up to 20%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, Up to 25% Yes, up to 14%
Usage based discount
Usage based discount No No
Other discounts
Other discounts
Learn more
Learn more


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

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. If neither is right for you, compare other car insurance options to find the best deal.

Compare alternatives to State Farm 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.
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
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.

Compare up to 4 providers

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site