AAA vs. Allstate

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Choosing between AAA vs. Allstate for car insurance can be a challenge. Both carriers have long-standing reputations as top car insurance companies in the industry. AAA was founded in 1902 and offers car insurance through several regional divisions, including AAA Northern California, Nevada & Utah (AAA NCNU) that merged with AAA Arizona and AAA MountainWest representing Alaska, Montana & Wyoming and California State Automobile Association (CSAA). Although membership to the Auto Club may be required before you can buy car insurance, membership could also provide discounts elsewhere.

Allstate was founded in Northbrook, Illinois in 1931 by the chairman of Sears, Roebuck & Co. and is one of the nation’s largest insurance companies. Coverage is available to nearly everyone nationwide and in Canada through over 12,200 local, dedicated Allstate agencies and representatives.

AAA vs. Allstate: car insurance rates comparison

AAA’s average cost of car insurance is lower for minimum coverage than Allstate. For vehicle owners in search of full car insurance which includes liability, comprehensive and collision insurance, Allstate is cheaper on average than AAA.

Car insurance company Bankrate Score AM Best J.D. Power Average annual premium for minimum coverage Average annual premium for full coverage
AAA 3.8 A- 858/1,000 $602 $2,003
Allstate 3.6 A+ 876/1,000 $697 $1,921

Rates by credit score

Your credit score can affect the cost of your car insurance unless you are a resident in the state of Massachusetts, California or Hawaii, where carriers are barred from setting car insurance premiums based on credit history. AAA Insurance generally has the best rates for vehicle owners with excellent credit scores. Allstate may offer more forgiving rates to individuals with poor credit, beating AAA’s average cost of coverage for someone with a poor credit score.

Car insurance company Poor Average Good Excellent
AAA $3,706 $2,146 $2,003 $1,645
Allstate $3,157 $2,312 $1,921 $1,989

Rates by age

Younger drivers tend to pay the highest car insurance premiums of all age ranges. Allstate’s average rates are lowest when parents add a young adult to their coverage. Otherwise, AAA’s average rates are cheaper for younger drivers.

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
AAA $3,210 $5,446 $2,317 $2,034 $2,003 $1,808
Allstate $2,459 $6,152 $2,629 $2,317 $1,921 $1,986

*16 year old cost when added to parents’ policy, 18-year-old renter

Rates by driving record

Safe drivers often benefit from the cheapest car insurance rates regardless of the carrier. A single speeding ticket could raise your car insurance premiums as much as 40% on average. Although Allstate’s rates jump for someone with a DUI conviction, premiums could more than double if you are with AAA. However, exact rate increases will be different depending on the state as well as the provider.

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
AAA $2,003 $2,817 $2,819 $5,131
Allstate $1,921 $2,519 $2,752 $3,763

AAA vs. Allstate: discounts

All carriers offer discounts to current and prospective customers. AAA and Allstate are no exception and each offer several unique ways to save.

AAA

  • teenSmart — Teen drivers have an opportunity to sign up for an online driver-training program that helps young drivers learn more about defensive driving, pass an online course and save on car insurance.
  • Good student — Students with a 3.0 GPA or higher could earn a discount.
  • Advanced shopping — Drivers who purchase an AAA at least seven days before the policy’s start date could earn a discount.

Allstate

  • Bundling — Buying home or renters insurance with car coverage is a good way to get a discount for both.
  • EZ pay plan — Setting up your premiums to pay with an automatic withdrawal from your account ensures you will not forget to make your payment and could save you money on your premiums.
  • eSmart — When you opt for a full digital insurance experience with Allstate ePolicy, you could receive a discount for going paperless.

AAA vs. Allstate: online and mobile experience comparison

When comparing Allstate vs. AAA, Allstate has a stronger digital presence. AAA’s website is more limited and many of the menu options require a login to view. Allstate’s website may be easier to navigate for most users and provides plenty of helpful information about insurance and personal finance.

AAA

  • Apple Store (4.2) — Over 20,000 iOS users awarded AAA with a 4.2 out of 5. However, the app primarily focuses on AAA Club services for travel or roadside assistance.
  • Google Play (4.2) — The AAA app’s rating is a 4.2 out of 5 based on 39,000 votes. As with the Apple version, the app does not provide as much functionality for insurance-based tasks.

Allstate

  • Apple Store (4.8) — With a score of 4.8 out of 5 from 682,000 votes, the Allstate app is similar to a digital wallet for your car insurance. It holds your insurance ID cards and makes it easy to file a claim or order roadside assistance.
  • Google Play (3.1) — The Allstate app gets a score of 3.1 out of 5 for over 77,000 Google Play users. You can make payments through the app and use QuickFoto to snap pictures of damages related to a claim.

Frequently asked questions

How do I file an Allstate car insurance claim?

You can file a claim by calling the 24-hour hotline at 1-800-ALLSTATE (1-800-255-7828) or through the website or Allstate mobile app.

Does Allstate also offer roadside assistance like AAA?

Allstate also offers policyholders roadside assistance. However, AAA’s includes travel assistance and special discounts for members.

How can I get a AAA car insurance quote?

You can visit a local AAA office for a quote, or receive one online by entering a few details about yourself, where you live and the vehicle you drive.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: CA, HI, MA

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. 16-year-old rates were factored as the added cost to their parents’ policy; 18-year-old rates were calculated as drivers who rent their primary residence.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction (BAC of >= .08) and lapse in coverage.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor