AAA vs. Allstate: Which Insurance Company Is Better in 2025?
AAA is a better choice if you want discounts or perks, while Allstate is better if you have an accident on your record.
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Written byAly J. Yale
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Edited byKatie Powers
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Both Allstate and AAA are notable names in the insurance industry, offering extensive service networks and a wide range of products.
Allstate, the fourth-largest U.S. auto insurer by market share, is the larger of the two insurance companies.[1] Allstate has slightly more affordable car insurance rates, though its discounts and customer satisfaction ratings fall behind AAA’s in most areas.
AAA, on the other hand, is the 24th-largest insurer by market share. It offers a comprehensive list of discounts and perks and consistently ranks high in customer satisfaction across various markets. But coverage from AAA varies by region, which can make understanding offerings a bit confusing.
Here’s what you need to know about car insurance from AAA and Allstate to help you decide which insurer is best for your needs.
Quick Facts
AAA offers a wide range of discounts and perks, especially if you’re a member.
Allstate has lower average premiums, particularly for drivers with a history of accidents and poor credit.
AAA and Allstate both offer telematics programs that may help you save on car insurance premiums.
AAA vs. Allstate: Our verdict
The best car insurance company for you will depend on your unique needs as a driver.
AAA is the better choice if you’re looking for a wide range of discounts and perks, as well as strong customer satisfaction. Allstate, in comparison, is a better choice if you have a poor credit history or a past accident on your record. It also offers coverage for classic cars or a trip to Mexico.
Allstate has cheaper premiums on average, but AAA has more robust discounts. You should always get several insurance quotes before deciding which to use for your car insurance coverage.
AAA vs. Allstate
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $107/mo* |
Overall rating 0.0 | Overall rating 3.9 |
Value for money 0.0/5 | Value for money 3.5/5 |
Customer service 0.0/5 | Customer service 3.8/5 |
Claims handling 0.0/5 | Claims handling 3.8/5 |
Special highlight N/AAI-generated from 0 user reviews | Special highlight Accident forgivenessAI-generated from 3934 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
AAA: Best for discounts and perks
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $125/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $156/mo |
4.5
Best choiceBased on 2,292 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (482)
Sandra
Verified Review
I've been with them for some time now and I'm not sure if they're the best for me right
Reviewed in Minnesota on November 2025
I feel the rates really went up after we had claims that weren't our fault, but otherwise, it was alright.
Catherine
Verified Review
AAA is great
Reviewed in Pennsylvania on November 2025
Very good to deal with.
Patricia
Verified Review
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
Reviewed in Illinois on October 2025
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
AAA is the better insurer when it comes to discounts. The company offers more than a dozen different policy discounts, with savings opportunities of up to 40% off your premiums.[2]
If you become a member of AAA, you can also access roadside assistance and earn extra discounts for things like car rentals, hotels, theme park tickets, restaurants, electronics, and more. The company has above-average rankings from J.D. Power for customer and claims satisfaction in most regions where it operates.[3] [4]
Pros
More than a dozen discounts
Above-average customer satisfaction ratings in many regions
Membership includes other discounts and perks
Cons
Higher average auto insurance rates than Allstate
Low Trustpilot rating, though most complaints pertain to its roadside assistance services
Doesn’t automatically include AAA membership
Allstate: Best for drivers with accidents and low credit scores
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
3.9
A solid optionBased on 7,721 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,934)
Terry
Verified Review
My Allstate
Reviewed in Minnesota on December 2025
I think it's too expensive.
Kyle
Verified Review
Poor
Reviewed in South Carolina on December 2025
They keep increasing my premium even though I have not caused any accidents.
Randall
Verified Review
Overpriced and Constantly Increasing
Reviewed in Florida on December 2025
The rates are constantly increasing for no reason. We barely drive 1000 miles.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate has fairly low average premiums compared to other auto insurers, especially for drivers with incidents on their records or a poor credit history. It also offers a variety of optional add-on coverages, including accident forgiveness, which ensures your premium won’t increase if you have an accident. Allstate also has electric car, rideshare, classic car, and Mexico car insurance.[5]
Pros
Among the lowest premiums for drivers with accidents
Lots of niche coverage options
24/7 service available via chat, phone, and email
Cons
Below-average customer satisfaction ratings in many regions
Low Trustpilot ratings
Limited discounts
Allstate vs. AAA: Which is cheaper?
Car insurance premiums can vary significantly based on factors such as your vehicle, driving habits, location, credit history, and more.
Here’s how average nationwide monthly premiums between AAA and Allstate compare for various driver types.
Driver Type  | AAA | Allstate |
|---|---|---|
| Adult drivers | $161 | $135 |
| Liability-only coverage | $125 | $74 |
| Full coverage | $156 | $139 |
| Drivers with a speeding ticket | $195 | $182 |
| Drivers with a DUI | $230 | $205 |
| Drivers with an at-fault accident | $231 | $182 |
| Poor credit drivers | $178 | $169 |
| Good credit drivers | $128 | $121 |
| Teen drivers | $247 | $296 |
| Senior drivers | $109 | $108 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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AAA vs. Allstate car insurance discounts
AAA has more policy discounts, which may help offset the company’s slightly higher average auto insurance rates. Its discounts can save you anywhere from 5% to 40% if you enroll in the AAA OnBoard telematics program. AAA also offers discounts for other services and products if you become a member, so that’s an additional perk to consider.
Allstate offers fairly standard discounts, such as savings for bundling your auto insurance with a renters insurance or home insurance policy. You can also save for having anti-theft devices on your vehicle, maintaining good grades, and being a good driver.[6]
Compare discounts from AAA and Allstate below.
Discount | AAA | Allstate |
|---|---|---|
| Safe driver | ✖ | ✖ |
| Defensive driving course | ✔ | ✖ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✖ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✖ |
| Anti-theft device | ✖ | ✔ |
| New car | ✖ | ✖ |
| Military/affiliation | ✖ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✖ |
| Auto pay | ✖ | ✖ |
| Student away at school | ✖ | ✖ |
| Homeowner | ✖ | ✖ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✖ |
| Original owner | ✔ | ✖ |
| Garaging | ✔ | ✖ |
| Verified mileage | ✔ | ✖ |
| Anti-lock brakes | ✖ | ✔ |
| Responsible payer | ✖ | ✔ |
Compare customer satisfaction and financial strength
Both AAA and Allstate have strong financial ratings, but AAA has higher satisfaction ratings from J.D. Power. The companies have similar customer review ratings on the Better Business Bureau (BBB) website.
Allstate has fewer customer complaints filed with the National Association of Insurance Commissioners (NAIC) Index. For Allstate, customer complaints tend to revolve around long wait times and unclear cancellation policies, while AAA’s complaints tend to focus more on the company’s separate roadside assistance services.
Here’s how customer satisfaction and financial strength rankings from AAA and Allstate compare.
Score | AAA | Allstate |
|---|---|---|
| IQ Score | 8.5 | 8.9 |
| Customer reviews | 4.5/5 (2,290 reviews) | 3.9/5 (7,574 reviews) |
| J.D. Power | 664/1,000 | 635/1,000 |
| AM Best rating | A+ (Excellent) | A+ (Excellent) |
| NAIC Complaint Index | 1.35 (Above average) | 0.70 (Below average) |
| BBB customer reviews | 1.32 out of 5 stars | 1.12 out of 5 stars |
Recent customer reviews of AAA car insurance
Reading customer reviews and ratings can help you understand the type of service an insurer provides and determine whether it’ll effectively meet your insurance needs. Here’s a look at recent verified reviews we’ve collected from actual AAA customers.
Sandra
Verified Review
I've been with them for some time now and I'm not sure if they're the best for me right
Reviewed in Minnesota on November 2025
I feel the rates really went up after we had claims that weren't our fault, but otherwise, it was alright.
Catherine
Verified Review
AAA is great
Reviewed in Pennsylvania on November 2025
Very good to deal with.
Patricia
Verified Review
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
Reviewed in Illinois on October 2025
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
David
Verified Review
Best I've had in 55 years.
Reviewed in Florida on October 2025
Get a direct number for your agent.
…
Recent customer reviews of Allstate car insurance
To assess Allstate’s customer service and gauge whether the company will work for your insurance needs, take a look at the verified customer reviews we collected below.
Terry
Verified Review
My Allstate
Reviewed in Minnesota on December 2025
I think it's too expensive.
Kyle
Verified Review
Poor
Reviewed in South Carolina on December 2025
They keep increasing my premium even though I have not caused any accidents.
Randall
Verified Review
Overpriced and Constantly Increasing
Reviewed in Florida on December 2025
The rates are constantly increasing for no reason. We barely drive 1000 miles.
Lorina
Verified Review
The office is great, but it's the people you deal with when there is an accident that matter. In my opinion, the office where I pay should follow up with the customer while the claim is in process.
Reviewed in Ohio on December 2025
The office is great, but it's the people you deal with when there is an accident that matter. In my opinion, the office where I pay should follow up with the customer while the claim is in process.
…
AAADrive vs. AAA OnBoard vs. Allstate Drivewise
Telematics programs use a mobile app or plug-in device to track your driving activities. They typically monitor how frequently you drive, the distances you drive, how often you interact with your phone, and your braking and acceleration habits over an extended period of time. This allows insurers to more accurately assess your mileage and your risk as a policyholder.
This can often result in premium savings for safe and low-mileage drivers. Conversely, it may also result in higher premiums for drivers who operate their vehicles in a risky manner or who drive more than expected.[7]
Good to Know
Telematics programs are different from pay-per-mile car insurance policies. While telematics programs do track your mileage and allow auto insurance companies to factor that data into your policy premiums, they also monitor driving habits.
With pay-per-mile insurance, your insurer will track your mileage with a device or an odometer reading. But your monthly premium will depend on your mileage, rather than your other driving habits.
Both AAA and Allstate have proprietary telematics programs. AAA offers the AAADrive and OnBoard programs, depending on your location, and Allstate has a program called Drivewise.
Here’s how these three telematics programs compare based on availability, functionality, savings potential, features, and more.
Feature | AAADrive | AAA OnBoard | Allstate Drivewise |
|---|---|---|---|
| Best for | Drivers in the Midwest and Southeast | Drivers who plan to continue using AAA upon renewal | Drivers who want additional safety features and insights into their driving habits |
| Savings potential | Up to 25% | Up to 40% on next renewal | N/A |
| How it works | Uses a mobile app and your phone’s location tracking and sensors to track driving and phone habits | Uses a mobile app and your phone’s location tracking and sensors to track driving and phone habits | Uses a mobile app and your phone’s location tracking and sensors to track driving and phone habits |
| Availability | 9 states (depends on the auto club) | 15 states (depends on the auto club) | 49 states (not available in California) |
| Data tracked | Mobile phone distraction, smooth driving, speed, driver fatigue, and time of day | Distracted driving, high-risk drive times, trip regularity, hard braking, and speeding | Braking, speeding, and time of day |
| App rating (App Store/Google Play) | 4.3/5 stars 2.3/5 stars | 4.8/5 stars 4.8/5 stars | 4.8/5 stars 4/5 stars |
| Driver feedback tools | Driver score and real-time driver feedback | Driver score | Driving insights, performance ratings, crash detection, savings dashboard, parking location tracking |
| Gamified rewards | ✖ | ✖ | ✔ (safe-driving challenges) |
| Compatibility | Apple and Android devices | Apple and Android devices | Apple and Android devices |
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Compare coverages: AAA vs. Allstate
Both AAA and Allstate have standard coverage, including liability, collision, comprehensive, medical payments, and personal injury protection, as well as some specialty coverages.
Allstate offers add-on coverage for drivers traveling to Mexico, and AAA provides new-car insurance.
Compare coverage offerings from AAA and Allstate below.
Coverage | AAA | Allstate |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist (UM/UIM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap | ✔ | ✔ |
| Classic car | ✖ | ✔ |
| Rideshare | ✖ | ✔ |
| Mexico trip | ✖ | ✔ |
| Accidental death | ✔ | ✖ |
| New car | ✔ | ✖ |
AAA vs. Allstate FAQs
The following information can help you compare AAA and Allstate as car insurance companies to consider.
Which is cheaper: AAA or Allstate?
Allstate has cheaper average premiums nationally than AAA, but AAA has more potential discounts. Keep in mind that premiums vary widely by location, vehicle, driving records, and other factors.
Do you need to be a member of AAA to get insurance?
No. You don’t need to be a member of AAA to get insurance through the company, though you may want to be. Becoming a member can reduce your premium by 5%, increase available coverages, and provide additional benefits, like accident forgiveness or identity theft protection.
How do each company’s digital tools compare?
Both AAA and Allstate allow you to file and manage claims via their mobile apps. The insurers have similar mobile app ratings for Apple devices, but AAA’s mobile apps for Android have slightly higher ratings.
Is AAA’s roadside assistance better than other insurers’?
AAA offers nationwide roadside assistance services, providing more comprehensive coverage than some add-on options from other insurers. You can use AAA for any vehicle you’re in that needs assistance for jump-starts, lockouts, fuel delivery, flat tire changes, and more. The right roadside assistance plan for you depends on your budget and coverage needs.
Is AAA available in all 50 states?
AAA insurance is available through different AAA clubs in all 50 states. But availability depends on the presence of a club in your region. You can visit AAA’s website to see if the company has eligible coverage in your ZIP code.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- National Association of Insurance Commissioners. "2024 Top 25 Groups and Companies by Countrywide Premium."
- AAA. "Insurance discounts."
- J.D. Power. "It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds."
- J.D. Power. "Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds."
- Allstate. "Understanding auto insurance coverages."
- Allstate. "Car insurance discounts."
- Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
)
Aly J. Yale
Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Aly has been a contributor at Insurify since September 2023.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.