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State Farm vs. AAA Car Insurance

state-farm-aaa
Here's what you need to know...
  • Both State Farm and AAA are popular in the U.S.
  • State Farm offers more insurance coverage options
  • AAA has higher customer satisfaction ratings with J.D. Power

There are so many auto insurance company advertisements online and on television, that comparing State Farm vs. AAA can become quite confusing.

If you know more about each company, it can help you choose better protection for yourself and your family.

Below is information to help you contrast the two companies.

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How did State Farm become so well-known?

State Farm is the biggest insurance provider in the United States. In 2005, they had 40 million automobile policyholders.

Most people know State Farm Mutual Insurance by its jingle, “Like a good neighbor, State Farm is there.” An American singer and songwriter, Barry Manilow, wrote this commercial jingle for State Farm in 1971.

In 1922, it first grew popular with farmers after its founder, George J. Mecherle, designed it around the belief that farmers should not have to pay as much as city drivers for their automobile insurance.

What does State Farm offer?

State Farm has expanded from being a mutual automobile insurance company, to several companies that offer:

  • Homeowners insurance
  • Life insurance
  • Banking consumer services
  • Financial products
  • Investment services
  • Fire and casualty insurance
  • Life and accident insurance

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State Farm Nationwide Rating

In 2015, J.D. Power and Associates performed a nationwide consumer survey on how State Farm service rated when compared to other companies.

On a scale of 1 being “poor” to 5 meaning “among the best,” the results showed:

  • Overall Satisfaction – 3
  • Policy Offerings – 3
  • Pricing – 3
  • Local Agent – 3
  • Call Center Representative – N/A
  • Insurer Website – 2

What is AAA?

American Automobile Association (AAA) is a nonprofit organization automobile service and lobbying group.

AAA services include:

  • Automobile insurance
  • Life insurance
  • Homeowners insurance
  • Travel insurance

On March 4, 1902, 1000 automobile enthusiasts in Chicago, Illinois, joined as charter members of the brand new AAA.
Their goal was to have new roads built and to repair the current highways and connecting roads — completed primarily for the safety of the drivers.

How does AAA rate in customer service?

The AAA automobile insurance company has attained an excellent customer service reputation.

However, service may be different in various states. For example, an affiliate of AAA, the Automobile Club of Southern California (ACSC), has a high rating for customer pricing, policies provided, and customer experiences.

Yet Auto Club Group (ACG), the main AAA insurance company, had higher ratings on the J. D. Power and Associates 2015 consumer survey than State Farm.

Using a scale from “poor” as 1 to “among the best” as 5, these were the results:

  • Overall Satisfaction – 4
  • Policy Offerings – 4
  • Pricing – 4
  • Local Agent – 3
  • Call Center Representative – 3
  • Insurer Website – N/A

Unique AAA Member Discounts

AdobeStock_76267159-1600x1600AAA offers especially big discounts to its members when they buy their life, auto, and homeowners insurance exclusively through AAA.

Also, if a policyholder experiences a car collision accident with a fellow AAA member, AAA will lower the deductible of policyholder by $250.

Before you make your decision between AAA or State Farm for car insurance, be sure to use the free tool on this page to compare quotes from many different companies.

Enter your zip to see how much you could save!

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