When comparing AAA and State Farm car insurance, there are several key differences to consider.
While both companies offer standard auto insurance coverages, State Farm tends to have cheaper rates for most drivers, but AAA provides more comprehensive liability coverage.
| Feature | AAA | State Farm |
|---|---|---|
| Average Annual Premium | $2,916 | $1,540 |
| Liability Limits | $500,000/$500,000 | $250,000/$500,000 |
| Umbrella Coverage | $1 million | $1 million |
| Policy Term | 12 months | 6 months |
| Discounts | More opportunities | Fewer opportunities |
State Farm’s average annual premium for full coverage is around $1,540, which is significantly lower than AAA’s average of $2,916. However, AAA offers higher liability limits of $500,000 per person and $500,000 per accident, compared to State Farm’s $250,000/$500,000.
Both companies provide $1 million in umbrella coverage, but AAA policies are issued on an annual 12-month term, while State Farm uses a 6-month term. This means drivers may see their rates increase more frequently with State Farm.
In terms of discounts, AAA generally provides more opportunities to save, such as for bundling home and auto insurance, good driving records, and taking defensive driving courses.
Ultimately, the best choice between AAA and State Farm will depend on your individual needs and priorities. Drivers seeking the lowest rates may prefer State Farm, while those who value higher liability limits and more discount options may find AAA to be the better fit.
