4.8out of 3,000+ reviews

AAA vs American Family Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

AAA VS American Family
85
89
What is this?
User Ratings
OptionsAAA American Family
Rating/Reviews
411 reviews
138 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA American Family
Call Center RepresentativeThe rest--
Insurer WebsiteThe rest--
Local AgentBetter than mostBetter than most
Overall SatisfactionAbout averageBetter than most
Policy OfferingsAbout averageBetter than most
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA American Family
Claim ServicingAbout averageAbout average
Estimation ProcessThe restAbout average
First Notice of Loss (FNOL)The restAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAAA American Family
California840 pt
Better than most
--
Central833 pt
Better than most
823 pt
About average
North Central808 pt
The rest
820 pt
About average
Northwest--826 pt
Better than most
Southwest--819 pt
About average
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA American Family
Android
24,330 Reviews
1,081 Reviews
iOS
737 Reviews
6,200 Reviews
Financial Ratings
OptionsAAA American Family
A.M. BestAA
Fitch--A+
Moody's--Aa3
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityAAA American Family
Chicago--$76
Phoenix--$82

For Single Drivers

CityAAA American Family
Chicago--$76
Phoenix--$82

For Male Drivers

CityAAA American Family
Chicago--$76
Phoenix--$82

For Female Drivers

CityAAA American Family
Chicago--$76
Phoenix--$82

For Drivers with Speeding Ticket

CityAAA American Family
Chicago--$102
Phoenix--$121

For Drivers with No Speeding Ticket

CityAAA American Family
Chicago--$70
Phoenix--$74

For Drivers Age Between 18-40

CityAAA American Family
Chicago--$76
Phoenix--$81

For Drivers Age Between 40-65

CityAAA American Family
Chicago--$72
Phoenix--$77

For Drivers Age of 65+

CityAAA American Family
Chicago--$89
Phoenix--$104

For Drivers with Average Credit

CityAAA American Family
Chicago--$80
Phoenix--$87

For Drivers with Fair Credit

CityAAA American Family
Chicago--$82
Phoenix--$89

For Drivers with Good Credit

CityAAA American Family
Chicago--$73
Phoenix--$80

For Drivers with Excellent Credit

CityAAA American Family
Chicago--$68
Phoenix--$72

Quotes & Discounts

Discount typeAAA American Family
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Up to 25%
teenSMARTUp to 24%Varies
Good DriverUp to 20%--
Anti-Theft DeviceUp to 17%Varies
Good StudentUp to 14.5%Up to 25%
Multiple VehicleUp to 12.5%Up to 13%
Multiple PolicyUp to 11.8%Up to 15%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%Up to 5%
Current insuranceUp to 5%--
LoyaltyUp to 5%Up to 5%
Affinity groupVaries--
Anti-lock BrakeVariesUp to 5%
Driving trainingVaries--
Home OwnerVariesUp to 5%
Low MileageVariesUp to 8%
Original OwnerVaries--
Accident Forgiveness--Varies
Accident Free--Up to 3%
Daytime Running Lights--Up to 3%
Defensive Driver--Varies
Driving Habits--Up to 5%
Early Quote--Up to 5%
Electronic Stability Control--Up to 5%
Military--Up to 25%
New Graduate--Up to 5%
Occupation--Up to 10%
Paperless documents--Up to 3%
Passive Restraint--Up to 30%
Preferred payment--Up to 5%
Provider Switch--Up to 5%
Senior Adult--Up to 25%
Sponsored Marketing--Up to 5%
Travelink--Up to 5%

Payment Methods

Discount typeAAA American Family
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
Mail Payment
--yes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Phone Payment
--yes

Features and Services

Features and ServicesAAA American Family
24/7 serviceyesyes
Enhanced towing & substitute coverageyesyes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA American Family
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yesyes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
First Aid Reimbursement
yes--
Gap Insurance
yesyes
Glass Coverage yes--
Legal Defense Costs Coverage
--yes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
--yes
Umbrella Policy
yesyes
Work Loss Coverage
--yes

Online Quoting by State

  • AAA
  • American Family
  • Both

Uber and Lyft driver insurance

  • AAA
  • American Family
  • Both

Compare Insurance Products

ProductAAA American Family
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • American Family Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.