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 provider Founded 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.
Price Policy 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 served All 50 states All 50 states
User satisfaction* B+ N/A
J.D. Power ratings** 3/5 on overall claims satisfaction 2/5 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

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Driver discounts

State Farm

State Farm

AAA

AAA

Good student Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home.
Defensive driver
Good driver 3 years no moving violations or at-fault accidents
Pay in full discount
Multicar Up to 20% (two or more vehicles in household)
Military
Homeowner
Other discounts Driving 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 restraints Up to 40% (medical-related coverage, vehicle made in 1994 or later) N/A
Air bag
Other discounts Vehicle 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

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, 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 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
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.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
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 CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

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