Compare AAA vs. Allstate Insurance

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AAA and Allstate are similarly huge names, and have similarly long histories, in the auto insurance industry. AAA was founded in 1902, while Allstate was founded in 1931. Though AAA has been around longer than Allstate, both companies have comparable strengths and weaknesses.

For instance, Allstate has a wider variety of discounts than AAA, while AAA has a higher rating from the Better Business Bureau (A+) than Allstate (A-). Both companies have excellent roadside service coverage options, but AAA comes out as the stronger of the two because of its three-tier roadside assistance system.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Allstate
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Allstate
  • You want easy, online tools to access your account
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Allstate
  • You're looking for reasonably priced premiums

Special Car Insurance Discounts

AAA Allstate
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Allstate

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Allstate
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Allstate
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Allstate
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Allstate
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Allstate
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Allstate
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Allstate Insurance
2016 322
2015 460
2014 569
2013 530

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Allstate Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Average
Pricing Average Below average
Local Agent Average Average
Call Center Representative Above average Below average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Allstate Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Average
Service Interaction Above average Average
Appraisal Average Above average
Repair Process Among the best Below average
Rental Car Experience Above average Above average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Allstate Insurance
A.M. Best A+ A+
Moody's -- Aa3
S&P's A AA-

Mobile Apps

AAA Allstate
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

Roadside Assistance

AAA Allstate
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts