AAA vs. American Family Car Insurance [2021]

AAA and American Family both offer great car insurance and discounts. AAA has an A+ rating from the BBB while American Financial has an A rating. Learn what to look for between AAA vs American Family below.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • American Financial and AAA both rank highly for customer satisfaction.
  • AAA and American Financial offer optional coverage beyond what’s standard for many carriers.
  • Getting AAA car insurance requires first getting a membership within their organization.

If your search for reliable car insurance has narrowed down to AAA vs American Financial, keep reading to learn more about what each has to offer. American Financial and AAA are among the country’s top insurers when it comes to customer satisfaction.

The following article will examine the differences in coverage and discounts between AAA and American Financial insurance. For quality information, make sure to learn about the best car insurance companies.

Compare quotes quickly and easily by entering your ZIP code in our free tool!

Is it Hard to Get AAA or American Financial Insurance?

AAA and American Family are both large companies that have decent nationwide coverage. However, there are differences in how to get insured by each.

AAA is well-known for its roadside assistance membership. It offers insurance on top of membership, which means you must be a member of your local AAA chapter in order to get car insurance.

Each chapter operates as its own company and insurance is purchased through your regional membership club. American Family covers 19 states across the country and operates more like one large insurance agency.

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Compare Insurance Coverage Between American Financial and AAA

American Financial and AAA both offer quality coverage within their basic plans. They each have upgrades for more wide-ranging coverage, in addition to standards like bodily injury, property damage, comprehensive and collision.

Since AAA car insurance requires being a member of your regional club, you get to enjoy the roadside benefits that made AAA famous.

Being a AAA member can also get you discounts across the country on lodging, food and attractions. Additional coverage options will depend on what your chapter offers.

Choosing a policy with either AAA or American family gives you the choice to upgrade your coverage to include rideshare insurance, new car replacement and gap insurance, among other options.

For more information, please read our AAA car insurance review and our American Family car insurance review.

How Hard is it to Get American Financial or AAA Discounts?

Not hard at all. Keep reading to see just some of the discounts offered by each.

AAA Car Insurance:

  • Paid in Full– Get a discount for paying your premium in one payment
  • Electronic or Auto-Pay– Having an automatic bank draft for your policy premium gives you a discount
  • Membership Discount– Get the benefits of being a AAA member as well as a discount
  • Safe Driver– Money off your policy if you qualify as a safe driver
  • Bundling– Bundle multiple vehicles or different types of policies for maximum savings

American Family:

  • App-Based Discount– Your driving behavior is logged into an app, which rewards you for good driving
  • Volunteer Work– Drivers under 25 years old who complete 40 or more hours of volunteer work for a qualifying non-profit can save some cash
  • Family Discount– If you have a parent insured with American Family, you may qualify for a discount
  • Multi-Policy Discount– Having a policy on more than one vehicle or more than one type of policy gets you money off your premiums

American Family and AAA both have lots of discounts, there’s a good chance drivers in your family will qualify for money off your policy.

Get AAA Car Insurance and American Family Quotes Instantly

AAA and American Family both ranked highly in a 2019 study on customer satisfaction in the claims process, done by independent market research firm J.D. Power.

Both American Family and AAA are well-regarded options for insurance, and we can help you get started with a quote instantly.

Use our free quote tool and compare rates for AAA vs American Family insurance right now!

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