AAA vs State Auto Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

State Auto
76
What is this?

Insurify Composite Score

AAA VS State Auto
85
76
What is this?
User Ratings
OptionsAAA State Auto
Rating/Reviews
411 reviews
44 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA State Auto
Call Center RepresentativeThe rest--
Insurer WebsiteThe rest--
Local AgentBetter than most--
Overall SatisfactionAbout average--
Policy OfferingsAbout average--
PricingAbout average--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA State Auto
Claim ServicingAbout average--
Estimation ProcessThe rest--
First Notice of Loss (FNOL)The rest--
Overall SatisfactionAbout average--
Rental ExperienceAbout average--
Repair ProcessBetter than most--
SettlementAbout average--
J.D. Power Ratings by Region (out of 1000)
RegionAAA State Auto
California840 pt
Better than most
--
Central833 pt
Better than most
--
North Central808 pt
The rest
--
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA State Auto
Android
24,330 Reviews
1 Reviews
iOS
737 Reviews
--
Financial Ratings
OptionsAAA State Auto
A.M. BestAA-

Auto Insurance Quotes

For Married Drivers

CityAAA State Auto
Austin--$86
Philadelphia--$90

For Single Drivers

CityAAA State Auto
Austin--$98
Philadelphia--$89

For Male Drivers

CityAAA State Auto
Austin--$90
Philadelphia--$83

For Female Drivers

CityAAA State Auto
Austin--$93
Philadelphia--$96

For Drivers with Speeding Ticket

CityAAA State Auto
Austin--$128
Philadelphia--$102

For Drivers with No Speeding Ticket

CityAAA State Auto
Austin--$84
Philadelphia--$88

For Drivers Age Between 18-40

CityAAA State Auto
Austin--$101
Philadelphia--$90

For Drivers Age Between 40-65

CityAAA State Auto
Austin--$80
Philadelphia--$83

For Drivers Age of 65+

CityAAA State Auto
Austin--$102
Philadelphia--$114

For Drivers with Average Credit

CityAAA State Auto
Austin--$104
Philadelphia--$102

For Drivers with Fair Credit

CityAAA State Auto
Austin--$104
Philadelphia--$106

For Drivers with Good Credit

CityAAA State Auto
Austin--$80
Philadelphia--$83

For Drivers with Excellent Credit

CityAAA State Auto
Austin--$79
Philadelphia--$68

Quotes & Discounts

Discount typeAAA State Auto
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%--
teenSMARTUp to 24%--
Good DriverUp to 20%Varies
Anti-Theft DeviceUp to 17%Varies
Good StudentUp to 14.5%Varies
Multiple VehicleUp to 12.5%Varies
Multiple PolicyUp to 11.8%Varies
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%Varies
Current insuranceUp to 5%--
LoyaltyUp to 5%--
Affinity groupVaries--
Anti-lock BrakeVaries--
Driving trainingVariesVaries
Home OwnerVaries--
Low MileageVaries--
Original OwnerVaries--
Accident Free--Varies
Driving Habits--Varies
Early Quote--Varies

Payment Methods

Discount typeAAA State Auto
Automatic Online Payment
yesyes
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
--yes
Online Payment
yesyes
Phone Payment
--yes

Features and Services

Features and ServicesAAA State Auto
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA State Auto
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yesyes
Personal Auto Plus
--yes
Personal/Upgraded Item Coverage
--yes
Pet Coverage
yesyes
Preferred Repair Services
yes--
Rental Reimbursement
yes--
Roadside Assistance
yesyes
Umbrella Policy
yesyes

Compare Insurance Products

ProductAAA State Auto
Car InsuranceCar Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--

User Reviews

  • AAA Reviews
  • State Auto 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.