Compare AAA vs. State Farm Insurance

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AAA and State Farm are among the best-known auto insurers in the US. State Farm has an especially high profile because of its witty TV ads and catchy jingle: “Like a good neighbor, State Farm is there!” AAA was founded in 1902, followed by State Farm in 1922. Both companies have been around for quite some time, but they’ve developed unique strengths and weaknesses over the years.

Compared to AAA, State Farm has superior financial strength and higher J.D. Power rankings. State Farm beats AAA’s A.M. Best rating of A+ with an A++, the firm’s highest-possible ranking. State Farm also has not one, but seven mobile apps to help manage your policy more easily.

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 State Farm
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
State Farm
  • You want mechanical breakdown coverage

Special Car Insurance Discounts

AAA State Farm
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
State Farm

Commercial Auto Insurance
If you’re a small business owner and have vehicles that you need to keep your business in operation (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you in the event an employee driving one of your business vehicles gets into an accident while making deliveries or running errands.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy basically ensures that should any of your employees use their own cars for business purposes, you personally won’t suffer any financial losses if they have an incident or cause any damage. 

Classic Car Insurance

State Farm provides coverage specifically for customers who own classic or antique vehicles. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The available coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA State Farm
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA State Farm
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 State Farm
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA State Farm
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA State Farm
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA State Farm
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance State Farm Car Insurance
2016 105
2015 155
2014 178
2013 135

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance State Farm Car Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Above average
Pricing Average Average
Local Agent Average Among the best
Call Center Representative Above average --
Insurer Website Average Average

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

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

Financial Strength Ratings

AAA Car Insurance State Farm Car Insurance
A.M. Best A+ A++
Moody's -- Aa1
S&P's A AA

Mobile Apps

AAA State Farm
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.

State Farm

State Farm has not only one, but seven mobile apps for your smartphone or web browser that can be used to manage your insurance policies.

Pocket Agent lets you view your insurance card, file or view a claim, access Roadside Assistance, and connect with your local agent. You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture is powered by Edmunds.com, a reliable car shopping website. The app recognizes any vehicle you take a picture of from the back and then provides all the information and details you want to know about it. From there, you can determine its market value and even locate a nearby dealership, all while getting a State Farm auto insurance quote.

Steer Clear encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback is an app for drivers of all ages looking to improve some of their driving habits that tend to be a bit dangerous. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. From there, the app uses your phone’s accelerometer to measure and score these areas and then provide you with tips based on your results.

Driver Feedback Instructor Edition was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools makes the moving process that much easier. Aside from actually packing your belongings when you move, you can use MoveTools to virtually pack them as well. The app has organization features that let you label your boxes and write down each one’s contents so you can keep track of them during the move.

For more information and to download any of these State Farm mobile apps, click here

 

Roadside Assistance

AAA State Farm
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
State Farm

State Farm Emergency Road Service

This service can help if you need: mechanical labor, towing, delivery of gas, tire change, battery jump-start, locksmith services, or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.