AAA vs State Farm 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
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Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

AAA VS State Farm
85
88
What is this?
User Ratings
OptionsAAA State Farm
Rating/Reviews
411 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA State Farm
Call Center RepresentativeThe rest--
Insurer WebsiteThe restThe rest
Local AgentBetter than mostAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageAbout average
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA State Farm
Claim ServicingAbout averageAbout average
Estimation ProcessThe restBetter than most
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 State Farm
California840 pt
Better than most
813 pt
About average
Central833 pt
Better than most
824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central808 pt
The rest
840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas821 pt
About average
816 pt
The rest
Mobile App Ratings
RegionAAA State Farm
Android
24,330 Reviews
12,082 Reviews
iOS
737 Reviews
288 Reviews
Financial Ratings
OptionsAAA State Farm
A.M. BestAA++
Moody's--Aa1
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

CityAAA State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityAAA State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityAAA State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityAAA State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityAAA State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityAAA State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityAAA State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityAAA State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityAAA State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityAAA State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityAAA State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityAAA State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityAAA State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeAAA State Farm
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Varies
teenSMARTUp to 24%Up to 15%
Good DriverUp to 20%Up to 25%
Anti-Theft DeviceUp to 17%Up to 15%
Good StudentUp to 14.5%Up to 25%
Multiple VehicleUp to 12.5%Up to 20%
Multiple PolicyUp to 11.8%Up to 17%
Advance shopperUp to 10%--
Good CreditUp to 10%Up to 80%
New CarUp to 10%Up to 40%
Paid in fullUp to 7.8%--
Current insuranceUp to 5%--
LoyaltyUp to 5%Varies
Affinity groupVaries--
Anti-lock BrakeVariesUp to 20%
Driving trainingVariesVaries
Home OwnerVariesVaries
Low MileageVariesUp to 10%
Original OwnerVaries--
Accident Free--Up to 15%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Up to 5%
Driving Habits--Up to 30%
Mature driver--Varies
Military--Varies
Passive Restraint--Up to 40%
Senior Adult--Varies
Travelink--Varies

Payment Methods

Discount typeAAA State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesAAA State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverageyesyes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yesyes
Antique or Collector Car Insurance
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
yesyes
New Car Replacement Coverage
yes--
Pet Coverage
yes--
Preferred Repair Services
yesyes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • AAA
  • State Farm
  • Both

Compare Insurance Products

ProductAAA State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • State Farm 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.