AAA vs. Country Financial Car Insurance [2021]

AAA car insurance and Country Financial car insurance boast different positives. As you compare AAA vs. Country Financial, you will find that AAA boasts an impressive roadside assistance program but requires a membership to qualify for insurance. Country Financial offers countless discounts and requires no membership. Learn more and compare car insurance quotes today.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Feb 2, 2021

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A Concise Overview

  • AAA boasts a one-of-a-kind roadside assistance program
  • Country Financial offers countless discounts for virtually every driver
  • Both companies have mobile apps with a variety of benefits

A company known for its roadside assistance options, AAA has its sights set on making member safety its top priority. AAA has become arguably the most popular company to contact when it comes to aiding stranded drivers.

While AAA boasts a federation of motor clubs throughout the U.S., Country Financial has more of a small-town vibe with a history that focuses on affordable car insurance.

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AAA Roadside Assistance

In order to get insurance coverage with AAA car insurance, you will need a membership. At the most basic level, a membership with AAA will provide you with up to four seven-mile tows a year and a flat tire change.

Premier members, however, have access to up to four tows of at least 100 miles per year, plus fuel services, flat tire changes, dead battery services, and much more.

AAA Membership Types and Annual Costs

AAA Membership TypeAverage Rates Per YearWhat It Includes
AAA Classic Membership-$38 to $74 (plus enrollment fees);
-$25 to $48 for each additional member (plus enrollment fees)
-Four tows per year (3-7 miles);
-Fuel, flat tire, and dead battery services;
-Vehicle lockout services (up to $50)
AAA Plus Membership-$60 to $124 (plus enrollment fees);
-$34 to $80 for each additional member (plus enrollment fees)
-Four tows per year (up to 100 miles each);
-Fuel, flat tire, and dead battery services;
-Free fuel delivery;
-Vehicle lockout services (up to $100)
AAA Premier Membership-$77 to $164 (plus enrollment fees);
-$45 to $109 for each additional member (plus enrollment fees)
-Four tows per year (one 200 mile and three up to 100 miles each);
-Fuel, flat tire, and dead battery services;
-Free fuel delivery;
-Vehicle lockout services (up to $150);
-Trip disruption coverage (up to $1,500);
-Free rental car (for one day) with tow
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Members are eligible for many other discounts and coverages with AAA, and they can also purchase car insurance.

AAA offers a limited variety of coverage options and includes standard discounts such as those for safe drivers and bundled policies. Insurance options often vary between the different clubs, so you will have to check with your local motor club for specific details.

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Country Financial Discounts

Getting Country Financial insurance does not require a prior membership like AAA. The company focuses on several different coverage plans, including physical damage, liability, medical payments, and uninsured/underinsured motorist.

In addition, Country Financial offers a vast array of discounts, including:

  • Engaged couple
  • Legacy
  • Occupation
  • Multi-policy
  • Defensive driver
  • Anti-theft

Country Financial also offers emergency road service. Road service coverage typically reimburses drivers up to $100 when they are stranded.

How do AAA vs. Country Financial mobile apps compare?

Both AAA and Country Financial offer mobile apps to their customers. The apps allow customers certain conveniences, though they do differ in what they offer.

Using an AAA login with the mobile app will give customers the ability to request roadside assistance straight from a smartphone. AAA also offers their eTourBook Guides, which provide travel information on various destinations.

In comparison, using a Country Financial login for the mobile app is a bit more limited. The app allows customers to make payments, view the status of one or more claims, and contact customer service with questions or concerns.

Which car insurance is best?

When deciding on car insurance, the most helpful way to know which company is best for you is by exploring the options.

If speedy and consistent roadside service is your top priority, AAA might make more sense. But if you want a broader spectrum of coverage options to choose from, you might prefer Country Financial.

You may find that AAA discounts are not as beneficial as those offered through Country Financial Insurance, but your best bet is to shop around to find the best company for your unique needs.

Before you commit to Country Financial or AAA auto insurance, you should always shop around and compare prices to ensure you are getting the coverage you need.

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