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Updated Feb 05, 2025
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Powered by Coverage.com (NPN: 19966249)

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

AAA

AAA
Rating: 3.9 stars out of 5
3.9
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Cost & ratings

Rating: 4.2 stars out of 5
4.2

Coverage

Rating: 3.7 stars out of 5
3.7

Support

Rating: 3.5 stars out of 5
3.5

State Farm

State Farm
Rating: 4.2 stars out of 5
4.2
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Cost & ratings

Rating: 4.3 stars out of 5
4.3

Coverage

Rating: 3.8 stars out of 5
3.8

Support

Rating: 4.5 stars out of 5
4.5
OVERVIEW
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AAA is a large insurance carrier offering affordable auto insurance options, as well as membership perks. Those who like convenience may also appreciate that some of AAA’s offices also offer services like DMV transactions, notary services and travel planning.
Policyholders who value a personalized experience through a local agent, bundling insurance policies with the same company and highly rated customer service might consider State Farm as their company of choice.
STANDOUT FEATURES
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Geographic-focused coverage
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Local agents available
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Access to additional AAA perks
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Two safe driving programs
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Banking and investment products
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Local agents available
AVG FULL COV. AUTO RATE
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$2,331 $2,883
J.D. POWER AUTO SCORE
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701/1000 710/1000
AVG HOME RATE
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$1,949 $2,002
J.D. POWER HOME SCORE
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862/1000 873/1000
AM BEST RATING
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A(Excellent) A++(Superior)
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Pros

  • Robust roadside assistance coverage
  • Access to additional membership perks, like travel discounts and identity theft monitoring
  • Banking and financial planning services
  • Free Triple Check service checks for discounts and other savings opportunities
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Cons

  • Average full and minimum coverage rates are higher than the national average
  • Paid membership may be required for many perks
  • Might be required to purchase roadside assistance
  • Customer service varies based on underwriting company
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Pros

  • Above-average J.D. Power scores for claims, customer satisfaction and digital experience for service
  • Average rates for full and minimum coverage below national average
  • Extensive network of exclusive local agents
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Cons

  • Customer service live chat not available
  • Accident forgiveness not available
  • Gap coverage only available to State Farm auto loan customers
  • Not available in Massachusetts or Rhode Island
Driver profile AAA avg. full coverage premium State Farm avg. full coverage premium
Young driver (age 25) $2,792 $3,385
Senior driver (age 70) $2,291 $2,718
Good driver, good credit $2,331 $2,883
Good driver, poor credit $4,834 $10,447
Speeding ticket with good credit $3,157 $3,309
At-fault accident with good credit $3,241 $3,652
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Bankrate's take

AAADrive State Farm Drive Safe & Save
Device Mobile app Mobile app and Bluetooth beacon
Can it raise your rate? No No
Availability Select states All states where coverage is offered except CA, MA and RI (limited availability in NC)
Discount Up to 30% (5% for enrolling) Up to 30% in most states (unspecified discount for enrolling)
What it monitors Mobile phone interactions, smooth driving, speed, time of day, trip duration, fatigue Annual mileage (in some states), acceleration, braking, cornering, phone distraction, speed
AAA State Farm
App Store 4.7 out of 5 4.8 out of 5
Google Play 4.6 out of 5 4.6 out of 5
J.D. Power Auto Club of Southern California: 706/1,000
CSAA Insurance Group: 704/1,000
Automobile Club Group: 692/1,000
710/1,000
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5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Written by
R.E. Hawley
Senior writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Edited by Editor II, Insurance