Allstate vs. AAA Car Insurance Comparison [2023]
Allstate's average car insurance rates are $160/mo while AAA's are only $86/mo. Check out our Allstate vs. AAA car insurance comparison to uncover significant differences and learn how to find the best policy for you. Get an unbiased head-to-head review of Allstate and AAA's roadside assistance and more.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Allstate and AAA offer auto insurance, along with many other insurance options like roadside assistance plans
- The average savings for patrons of each company are very similar
- The best way for you to decide which company is best is to compare rates based on your specific information
Which company is better for car insurance, Allstate or AAA? There are countless auto insurance companies to choose from, but you want to make sure you know all the facts about a company before you make any decisions.
Our comparison of AAA and Allstate car insurance will help you decide which company better fits your needs.
You can also check out our AAA car insurance review and our Allstate car insurance review to learn more about the companies.
Enter your zip code above for access to car insurance rates from multiple companies today!
Pros and Cons: Allstate vs. AAA Car Insurance
Allstate and AAA offer similar options, but the types of car insurance and rates vary when you look at AAA insurance vs. Allstate. AAA was founded in Chicago, Illinois in 1902. Allstate came about in 1931. Both have been around since before World War II.
They both provide services that include roadside assistance, theft protection, travel accident coverage, medical payments, collision damage waiver or loss control, uninsured motorist bodily injury liability, underinsured motorists bodily injury liability, and personal umbrella liability. They also offer most services through their mobile app.
| Allstate Pros | AAA Pros | Allstate Cons | AAA Cons |
|---|---|---|---|
| Broad range of coverage options for auto, home, renters, life, and more. | Known primarily for auto insurance but also offers home, renters, and life insurance through partner networks. | Can be pricier than some competitors, depending on location and policy details. | Membership fees for AAA in addition to insurance premiums. However, membership comes with additional benefits. |
| Variety of discounts available, including multi-policy, safe driver, and early signing. | Discounts for safe drivers, multi-policy, and vehicle safety features, among others. AAA members also get additional discounts. | Mixed reviews; some customers report issues with claims processing and customer service. | Service experience can vary depending on the regional AAA club, as AAA is a federation of multiple independent clubs. |
| Advanced digital tools, including mobile apps for policy management and claims. | Mobile apps available, with an emphasis on road service requests for AAA members. | Available as an add-on or part of certain policies. | AAA is renowned for its roadside assistance, but it comes with the membership, which is separate from insurance. |
| Established and reputable company with a wide network of agents. | Well-known for its roadside assistance; has a long-standing reputation in the auto industry. | High degree of policy customization available. | Policy offerings can vary based on the regional AAA club and partnering insurance providers. |
The Allstate Super Bowl is one of the sporting events they sponsor. They also own 15 companies in the United States and Canada.
AAA has International affiliates and 69 individual clubs that provide emergency road assistance to all of their members, along with towing services.
Allstate offers:
- Business insurance
- Homeowners insurance
- Auto insurance
- Life insurance
- Banking services
- Investment products and retirement insurance
- Fire insurance
- Emergency roadside service, including fuel delivery services, flat tire services (including flat tire changes), battery service, lockout service, and towing to the nearest repair facility
AAA offers basic roadside assistance services with a AAA membership and much more:
- Auto insurance
- Emergency roadside assistance benefit including gas delivery, flat tire repairs, battery service, and locksmith service
- Towing services
- Life insurance
- Homeowners insurance
AAA International affiliates are located in Europe, with European clubs, as well as AA United Kingdom, ANWB Netherlands, ACI Italy, RACE Spain, OAMTC Austria TCS Switzerland, and ADAC Germany.
Membership Benefits
AAA Classic Membership - 4 tows up to 5 miles
- Battery service
- Tire change
- Locked out car service up to $50
AAA Plus Membership - Classic membership benefits
- 4 tows up to 100 miles
- Out of fuel service
- Locked out car service up to $100
AAA Premier Membership - Premier membership benefits
- 4 tows up to 100 miles, 1 tow up to 200
- Locked out car service up to $150
- Locked out home service up to $150
- Identity theft protection ($10,000 insurance)
There are many factors that affect car insurance rates, such as your driving record and the type of car you drive.
Allstate and AAA will calculate insurance rates based on the same information, such as your driving record, age, vehicle type, and more, but their quoted rates will be different.
Daniel Walker Licensed Insurance Agent
Allstate and AAA will ask for your social security number, license number, personal address, and phone number. You will also have to go through a process where they check your driving records to see how many points are on your license through a Motor Vehicle Record (MVR) search.
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Allstate Car Insurance Rates
You can save an average of up to $396 a year if you select Allstate. Some examples of basic Allstate car insurance quotes are as follows.
| State | Monthly Rates |
|---|---|
| Alabama | $135 |
| Alaska | $108 |
| Arizona | $162 |
| Arkansas | $180 |
| California | $199 |
| Colorado | $166 |
| Connecticut | $196 |
| Delaware | $241 |
| District of Columbia | $207 |
| Florida | $183 |
| Georgia | $165 |
| Hawaii | $118 |
| Idaho | $126 |
| Illinois | $128 |
| Indiana | $176 |
| Iowa | $140 |
| Kansas | $160 |
| Kentucky | $236 |
| Louisiana | $206 |
| Maine | $143 |
| Maryland | $201 |
| Massachusetts | $108 |
| Michigan | $406 |
| Minnesota | $160 |
| Mississippi | $148 |
| Missouri | $147 |
| Montana | $154 |
| Nebraska | $169 |
| Nevada | $136 |
| New Hampshire | $125 |
| New Jersey | $128 |
| New Mexico | $157 |
| New York | $158 |
| North Carolina | $165 |
| North Dakota | $147 |
| Ohio | $120 |
| Oklahoma | $135 |
| Oregon | $153 |
| Pennsylvania | $148 |
| Rhode Island | $189 |
| South Carolina | $133 |
| South Dakota | $136 |
| Tennessee | $144 |
| Texas | $201 |
| Utah | $117 |
| Vermont | $103 |
| Virginia | $142 |
| Washington | $114 |
| West Virginia | $123 |
| Wisconsin | $162 |
| Wyoming | $155 |
Allstate insurance will be cheaper if you purchase just liability car insurance instead of full coverage insurance, but it won’t provide much protection if you get into an accident.
AAA Car Insurance Rates
AAA boasts an average of $407 in savings on auto insurance policies. Is AAA cheaper than Allstate? AAA’s basic plan is affordable in most states, as you can see from the average AAA car insurance quotes below.
AAA Classic Membership Average Rates by State
| State | Monthly Rate |
|---|---|
| Alaska | $5 |
| Alabama | $6 |
| Arkansas | $5 |
| Arizona | $6 |
| California | $7 |
| Colorado | $5 |
| Connecticut | $6 |
| District of Columbia | $6 |
| Delaware | $5 |
| Florida | $7 |
| Georgia | $6 |
| Hawaii | $5 |
| Iowa | $5 |
| Idaho | $6 |
| Illinois | $6 |
| Indiana | $5 |
| Kansas | $5 |
| Kentucky | $5 |
| Louisiana | $6 |
| Massachusetts | $6 |
| Maryland | $6 |
| Maine | $5 |
| Michigan | $7 |
| Minnesota | $6 |
| Missouri | $5 |
| Mississippi | $5 |
| Montana | $5 |
| North Carolina | $6 |
| North Dakota | $5 |
| Nebraska | $5 |
| New Hampshire | $6 |
| New Jersey | $6 |
| New Mexico | $5 |
| Nevada | $6 |
| New York | $7 |
| Ohio | $6 |
| Oklahoma | $5 |
| Oregon | $6 |
| Pennsylvania | $6 |
| Rhode Island | $6 |
| South Carolina | $6 |
| South Dakota | $5 |
| Tennessee | $6 |
| Texas | $7 |
| Utah | $6 |
| Virginia | $6 |
| Vermont | $5 |
| Washington | $6 |
| Wisconsin | $5 |
| West Virginia | $5 |
| Wyoming | $5 |
The classic AAA plan can be as little as $5 in some states.
Allstate vs. AAA Car Insurance Coverage Options
Is AAA better than Allstate for roadside assistance? When it comes to Allstate roadside assistance vs. AAA, AAA has cheaper rates for roadside assistance.
| Insurance Company | Monthly Rates |
|---|---|
| AAA | $3 |
| Allstate | $4 |
| American Family | $4 |
| Farmers | $6 |
| Geico | $5 |
| Liberty Mutual | $4 |
| Nationwide | $3 |
| Progressive | $5 |
| State Farm | $5 |
| Travelers | $6 |
While the main functions of Allstate vs. AAA roadside assistance are the same, AAA offers more perks than Allstate for roadside assistance coverage.
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Car Insurance Discounts: Allstate vs. AAA
Discounts are a great way to save, such as with a low-mileage car insurance discount, so it is important to look at AAA vs. Allstate motor club discounts. Below, you can see what discounts Allstate offers.
| Discount | Savings Earned |
|---|---|
| Anti-lock Brakes | 10% |
| Anti-Theft | 10% |
| Claim Free | 35% |
| Daytime Lights | 2% |
| Defensive Driver | 10% |
| Distant Student | 35% |
| Driver's Ed | 10% |
| Driving Device | 20% |
| Early Signing | 10% |
| Stability Control | 2% |
| Farm Vehicle | 10% |
| Full Payment | 10% |
| Good Student | 20% |
| Green Vehicle | 10% |
| Multiple Policies | 10% |
| Newer Vehicle | 30% |
| On-Time Payments | 5% |
| Paperless Documents | 10% |
| Paperless Auto Billing | 5% |
| Passive Restraint | 30% |
| Safe Driver | 45% |
| Senior Driver | 10% |
| Utility Vehicle | 15% |
| Vehicle Recovery | 10% |
The Allstate Drivewise program is a usage-based car insurance program that is one of the best ways to save money at Allstate.
Read more: Allstate Drivewise Review
AAA auto insurance offers the following discounts.
| Lines Bundled | Savings Earned |
|---|---|
| Auto, Home, & Life | 20% |
| Auto & Home | 16% |
| Auto & Condo | 8% |
| Auto & Renters | 4% |
Both offer plenty of car insurance discounts. You can check out our guides to AAA car insurance discounts and Allstate car insurance discounts for more information about each.
Additional Coverage Options With Allstate and AAA
Aside from auto insurance coverage, Allstate offers several other products and services. And even though AAA only offers road assistance, life insurance, and their homeowners insurance policy, they also have some great membership benefits when you become a member, such as:
- Discounts on dining, entertainment, and shopping
- Discounts on vacation deals such as cruises and local events
- Umbrella insurance
- Boats and watercraft coverage
Are you searching for car insurance? Enter your zip code to start comparison shopping for car insurance now!
Deciding if Allstate or AAA Car Insurance Is Right for You
When it comes to the different factors between Allstate motor club vs. AAA, Allstate is more expensive when you compare Allstate vs. AAA car insurance rates. While Allstate does offer more variety in types of insurance, AAA offers more perks.
If you want to start comparing car insurance rates at different companies today, use our free quote comparison tool.
Frequently Asked Questions
What is the average savings on car insurance with Allstate and AAA?
You can save an average of up to $396/year with Allstate and $407/year with AAA on car insurance.
Is AAA better than Allstate?
To determine which company is better for car insurance, you can check out our AAA car insurance review and our Allstate car insurance review for more information about each.
What types of car insurance coverage do Allstate and AAA offer?
Allstate offers various types of car insurance coverage, while AAA offers roadside assistance, life insurance, and homeowners insurance.
How do Allstate and AAA car insurance costs compare?
On average, you can save up to $396 a year with Allstate and $407 a year with AAA on auto insurance policies. Both companies also offer car insurance discounts.
What other benefits do AAA and Allstate offer besides car insurance?
Besides car insurance, AAA offers membership benefits such as roadside assistance, life insurance, and homeowners insurance. Allstate offers additional products and services, including life, health, and property insurance coverage.
How is Allstate and AAA car insurance different?
Allstate offers more discounts and insurance options than AAA, but AAA tends to be the cheaper company when you compare Allstate vs. AAA car insurance rates.
How is Allstate and AAA’s customer service?
Both Allstate and AAA have similar customer service reviews.
How do I get a car insurance quote from Allstate and AAA?
You can get an AAA car insurance quote or an Allstate car insurance quote directly from the companies’ website or use a quote comparison tool.
How do I contact Allstate and AAA?
You can contact Allstate and AAA auto insurance online or over the phone.
Which is better: AAA or Allstate roadside assistance?
When you look at Allstate vs. AAA roadside assistance, AAA offers more perks that go along with its roadside assistance.
What AAA and Allstate insurance products are offered?
Both AAA and Allstate offer basic car insurance coverages, as well as home insurance, boat insurance, umbrella insurance, and more.
How do Allstate and AAA car insurance costs compare?
AAA insurance vs. Allstate insurance rates show that AAA is cheaper on average than Allstate.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.