by State Farm auto insurance is more affordable in every category we reviewed. Drivers who choose State Farm over AAA can save between 37% and 54% on average.
Most Affordable Rates for Most Drivers: State Farm
State Farm offers auto insurance rates lower than AAA for most drivers. The State Farm Minimum Coverage policy averages $585 per year, $382 less than the AAA policy and $200 less than the national average.
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State Farm’s full coverage policy is also $1,540 per year, 47% less than the AAA policy.
Minimum coverage$967$585Full coverage$2,916$1,540 Cheapest rates for drivers with prior incidents: State Farm
State Farm also offers better rates for drivers with a recent speeding ticket, accident or DUI on their record.
Drivers with a speeding ticket pay $1,925 per year for a full-coverage policy from State Farm, which is $1,871 cheaper than AAA’s rate. At $4,848 per year, AAA’s rate for drivers involved in an accident is $2,585 more expensive than the same policy from State Farm. Those with a DUI can expect to pay $2,625 more for car insurance from AAA than from State Farm.
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Drivers insured with AAA can expect a greater rate increase after receiving a traffic violation.
An average increase of 30% when caught speeding, an average of 66% when caught in a negligent accident, and an average of 83% when caught drinking. For comparison, state farms increase their rates by 25%, 47% and 76%, respectively.
Ticket $3,796 $1,925 Accident $4,848 2,263 Drunk Driving $5,341 $2,716
Drivers almost always pay higher rates after traffic violations because they are statistically more likely to cause accidents in the future. Each insurance company calculates rates differently, so you should always compare auto insurance quotes after a ticket or accident.
State Farm and AAA offer accident forgiveness programs at an additional cost.
To become eligible for the accident forgiveness program, drivers insured with State Farm must have a policy with the company for nine years and remain accident-free for the same length of time.
The details of AAA’s accident forgiveness program vary depending on where you live, and it’s not offered in every state.
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Cheapest car insurance rates for young drivers: State Farm
State Farm offers cheaper car insurance rates than AAA for young drivers across the board. A minimum-coverage policy from State Farm costs $1,032 less per year for an 18-year old driver than one from AAA, and full-coverage costs $3,535 less.
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Young drivers with a ticket or accident on their record can also find cheaper rates with State Farm. Minimum-coverage insurance for an 18-year-old with a single speeding ticket is 46% cheaper with State Farm, and a policy is 54% cheaper after an at-fault accident.
Minimum coverage$2,784$1,752Ticket$3,861$2,089Accident$4,991$2,273Full coverage$7,456$3,921
For more affordable rates, young drivers should consider joining their parents’ car insurance policy.
Even if your parents’ premiums increase, it’s generally cheaper to buy family insurance than to buy your own.
