AAA vs. The General Car Insurance [2021]

AAA and The General are midsized car insurance companies with "A" ratings from A.M. Best. When stacked up, AAA vs. The General car insurance is a $90 difference per month. However, your rates are determined by personal factors. Therefore, comparing AAA vs. The General car insurance can help you secure the best rates.

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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: Jun 7, 2021

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Here's what you need to know...

  • AAA car insurance rates are more transparent online
  • The General is financially stable, but it’s more expensive than AAA
  • Both companies provide 24-hour roadside assistance

Have you had trouble comparing AAA vs. The General car insurance? A lot of factors go into whether affordable AAA vs. The General car insurance is available to you.

This car insurance guide explains everything you need to know about AAA vs. The General car insurance rates, discounts, insurance products, and third-party ratings.

Before jumping into this AAA vs. The General car insurance review, enter your ZIP code in the free online quote tool to compare the best car insurance companies in your local area.

AAA vs. The General Car Insurance: Which car insurance company is the cheapest?

AAA auto insurance has a few sample rates out there to give customers a road map on monthly payments. However, The General has private car insurance quotes, so it may be challenging to find sample rates.

If you had a hard time locating The General auto insurance rates, you’re not alone.

We marched across the web and targeted some sample rates. First, let’s see how The General compares to AAA car insurance.

AAA vs. The General Car Insurance by Age Group
Age GroupMonthly AAA Car Insurance RatesMonthly The General Car Insurance Rates
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AAA auto insurance is more affordable, especially for middle-aged drivers. However, The General auto insurance rates are more expensive even for seniors.

If you want a closer look at AAA and The General car insurance, visit our AAA car insurance review and The General car insurance review.

What other factors affect AAA and The General car insurance quotes?

Although The General car insurance rates are classified, your rates are determined by personal factors. Those factors include:

  • Gender (outlawed in some states)
  • Credit Score
  • Age
  • Driving History
  • Coverage Level
  • Location
  • Deductible
  • Vehicle
  • Marital Status
  • Company
  • Commute Mileage

Under specific circumstances, you can qualify for auto insurance discounts. Read on to learn more about AAA and The General car insurance discounts.

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AAA vs. The General Car Insurance: Which car insurance company has more discounts?

We checked out AAA’s and The General’s websites, but we only found discounts listed on AAA. The General doesn’t list its deals on the website.

However, it doesn’t mean The General doesn’t have any discounts. We identified several AAA and The General auto insurance discounts and created a list of available deals.

AAA vs. The General Car Insurance Discounts
DiscountsAAA Discount AvailabilityThe General Discount Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakesxx
Daytime Running Lightsx
Electronic Stability Control
Utility Vehicle
Vehicle Recoveryxx
VIN Etching
Lane Departure Warning
Newer Vehiclex
Green Vehicle
Forward Collision Warning
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appx
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Paymentxx
Further Education
Good Credit
Good Studentxx
Life Insurance
Low Mileagexx
Military Garaging
Multiple Drivers
Multiple Policiesxx
Multiple Vehiclesxx
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Occasional Operator
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billingx
Passive Restraintxx
Recent Retirees
Roadside Assistance
Safe Driverxx
Seat Belt Use
Senior Driverx
Stable Residence
Students & Alumni
Switching Providerx
Young Driver
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The General has fewer discounts than AAA. The value of each discount is unclear at AAA, but you can save up to 20% on car insurance. The General’s overall discount value is between five and 15%.

Stacking more than one discount can save you hundreds of dollars per year.

Comparing AAA vs. The General Car Insurance Coverage Options

AAA and The General provide car insurance essentials which are:

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments (MedPay)
  • Uninsured/Underinsured Motorist Coverage
  • Collision Coverage
  • Comprehensive Coverage

MedPay, collision, and comprehensive coverage are optional auto insurance options, but you can find both at The General and AAA.

Rental car reimbursement is available at both companies, but the cost for the coverage isn’t shared with the public.

The General and AAA provide SR-22 car insurance.

AAA roadside assistance comes with a few perks, such as refueling your gas tank for emergencies, rental car benefits, and up to $150 for lockout service.

The General roadside assistance is an optional service. Although it doesn’t provide the same coverage as AAA, The General’s 24-hour roadside assistance can help you when you’re in a tight spot.

Bundling Other Insurance Products with AAA or The General Car Insurance

If you need more insurance coverage outside of auto insurance, you can bundle other products into your policy. Let’s look at available AAA and The General insurance products.

AAA vs. The General Insurance Products
Other Insurance ProductsAAA AvailabilityThe General Availability
Boat Insurancexx
Condo Insurancex
Life Insurancexx
Homeowners Insurancexx
Travel Trailer Insurancex
Renters Insurancexx
RV Insurancex
Motorcycle Insurancex
Mobile Home Insurance
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When it comes to AAA vs. The General car insurance quotes, The General may be more expensive, but it gives you more bundling opportunities than AAA. When you bundle, you can save a few dollars on monthly payments.

AAA vs. The General Car Insurance: Financial strength and Customer Review Ratings

Car insurance cost is half the battle. Before you decide whether to buy AAA vs. The General car insurance, check out the financial strength and customer review ratings.

We’ve researched some of the ratings for you and compiled them in a table. Let’s compare ratings to see which company is better.

Comparing AAA and The General Ratings
Agency SummaryAAA RatingsThe General Ratings
NAIC Consumer Complaint Data0.005.03
A.M. BestA+ (Superior)A (Excellent)
2020 J.D. Power Rating858N/A
Better Business Bureau (BBB)A+A+
BBB Customer Review Rating4.66 stars1 star
Google Play Store Ratings4.2 stars4.8 stars
Apple App Store Ratings4.2 stars4.7 stars
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AAA Insurance has a much better A.M. Best rating. However, The General Insurance has a better customer review rating at the BBB.

The General isn’t featured in the J.D. Power Auto Claims Study, but AAA did appear in the study. AAA’s current ratings stand at 858 out of 1,000, which is a few points below the industry average.

The National Association of Insurance Commissioners (NAIC) complaint rating is the opposite of The General’s BBB rating. In 2020, The General had a 5.03 complaint index, which is four points higher than the national average index.

Meanwhile, The General’s current mobile app ratings are slightly higher than AAA’s mobile app ratings.

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AAA vs. The General Car Insurance: What’s the bottom line?

The General and AAA are midsize car insurance companies, but they have the ratings that contend with more prominent companies. AAA car insurance provides cheaper rates, but The General has more options to bundle insurance products.

Hopefully, we have helped you decide whether to buy AAA vs. The General car insurance. Use our free comparison tool to compare multiple companies near you and secure the best rates.

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