AAA vs. Allstate 2024

AAA vs. Allstate comparison

To compare AAA vs. Allstate, Bankrate’s insurance editorial team looked at more than just price. We analyzed each carrier holistically by evaluating customer satisfaction scores from J.D. Power, financial strength ratings from AM Best, coverage options, available discounts, digital tools and more. Below you can see some of the key pros and cons we identified for each carrier.

AAA pros and cons

Allstate pros and cons

Is AAA cheaper than Allstate?

When evaluating whether AAA or Allstate provides cheaper rates, it's useful to compare each company’s rates directly. This approach not only offers insights into their performance across different driver profiles, but it also shows how each stacks up against the national average for car insurance. Reviewing the rate table below can help you understand the market positioning for each company and assist you in choosing the insurance company that best meets your needs.

AAA vs. Allstate: discounts

Most car insurance companies offer at least a few discounts, although the quantity and type may vary drastically between providers. Below are some of the more notable discounts from AAA and Allstate.

Discounts available from both carriers

Both AAA and Allstate offer a range of discounts that can significantly reduce insurance costs for qualifying policyholders. These discounts encourage safe driving practices, reward customer loyalty and provide financial relief for bundling policies or paying premiums in full. It can be beneficial for potential customers to understand these discounts, as they might substantially affect overall insurance expenses.

• Home and auto bundle: Allstate offers up to a 25 percent discount, while AAA provides up to 16 percent off on auto and up to 22 percent off on home insurance when bundling.
• Paid in full discount: Both carriers reward customers who pay their policy premium in full with a discount, reducing the overall cost.
• New car discount: Insuring a new car with either AAA or Allstate may qualify you for a discount, recognizing the lower risk often associated with newer, safer vehicles.

AAA discounts

• TeenSmart: Teen drivers may be able to sign up for an online driver-training program that helps young drivers learn more about defensive driving, pass an online course and save on car insurance. Qualifying teens may save up to 20 percent.
• Good student: Students with a 3.0 GPA or higher might earn a discount up to 10 percent.
• Education and occupation: Certain educational credentials or employment types may earn you a discount.

Allstate discounts

• New car: If you are the first owner of a brand new car, you may earn a discount on your insurance.
• Early signing: Policyholders who buy insurance from Allstate at least seven days before the effective date of the policy may save.
• Safe Driving Bonus: Although not technically a discount, Allstate may reward policyholders with a check for every six months without an accident.

AAA and Allstate telematics programs

Both AAA and Allstate offer usage-based car insurance options. These telematics programs use real-time data from your driving patterns to determine things like how safely and far you drive. Below, we’ve compared the AAADrive and Allstate Drivewise programs.

AAA vs. Allstate: customer experience comparison

Allstate scored above average in the 2023 J.D. Power Auto Claims Satisfaction Study, while the results for AAA were more mixed. Auto Club of Southern California placed closer to the top of the list, with CSAA and Automobile Club Group scoring below the study average. Both companies also offer well-rated mobile apps to help customers manage policies and claims. It may be important to note that policyholders’ experience with AAA may vary greatly based on the regional club they belong to. For more context, you may want to speak with a policyholder in your area.

Customer complaints

The National Association of Insurance Commissioners (NAIC) Complaint Index is a valuable tool for evaluating an insurer's customer satisfaction. It measures the number of complaints an insurance company receives relative to its size, allowing consumers to gauge how insurers compare in terms of service issues on a standardized scale. A score higher than 1.0 suggests a company receives more complaints than average, while a score lower than 1.0 indicates fewer complaints. This index provides a straightforward way for potential customers to assess an insurer's track record in handling grievances, which could influence their decision when choosing an insurance provider.

AAA auto insurance customer complaints

Analyzing customer complaints for AAA auto insurance involves considering the NAIC Complaint Index for various underwriting companies due to AAA’s structure of multiple independent clubs. We focus on three of the largest AAA insurers: Auto Club Property-Casualty Insurance Company, Automobile Club Group and CSAA General Insurance Company. Among these, CSAA General Insurance Company has consistently shown the most positive results. However, across all the mentioned entities, trends suggest a general improvement in how customer grievances are being managed and resolved.

Allstate auto insurance customer complaints

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 25-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.