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State Farm Roadside Assistance vs AAA

Choosing between AAA auto insurance and homeowners insurance versus State Farm involves considering several factors to determine which industry average best fits your needs and preferences.

The Importance of Emergency Road Service

Roadside emergencies can occur at any time and in any location, often leaving drivers stranded and inconvenienced. Emergency road service offers convenience by providing assistance wherever you are, whether it’s on the side of the road, in a parking lot, or at home. In the event of a breakdown or roadside emergency, emergency road service ensures the safety of drivers and passengers by providing assistance promptly. This can include services such as towing to the nearest repair facility, jump-starting a dead battery, changing a flat tire, locksmith services, or providing fuel delivery.

State Farm or AAA: Which Company is Best for You?

AAA (American Automobile Association) and State Farm are well-known insurance providers in the United States, offering a range of insurance products and services. Both AAA and State Farm have strong reputations for customer service and financial stability, and they offer competitive rates and coverage options for various insurance needs. When choosing between AAA and State Farm, consumers should consider factors such as coverage options, discounts, customer service, and additional benefits to determine which insurer best meets their needs and preferences.

Deciding between State Farm and AAA depends on your specific needs, preferences, and priorities. Both companies offer a range of insurance products and services, as well as additional benefits such as roadside assistance and discounts. Here’s a comparison to help you determine which company may be best for you:

State Farm

AAA (American Automobile Association)

Ultimately, the best choice between State Farm and AAA depends on your individual needs and preferences. If you prefer to have a personalized experience and to work with a local agent, State Farm may be a good fit and has many satisfied customers. On the other hand, if you prioritize roadside assistance with mechanical labor and membership benefits, AAA may be the better option.

It’s essential to compare quotes, insurance policies, coverage options, discounts, financial strength ratings, and customer reviews from both companies to make an informed decision based on your specific requirements.

Is State Farm or AAA Cheaper for Your Age and Driving History?

Determining whether State Farm or AAA is cheaper for your age and driving history depends on various factors, including your individual circumstances, coverage needs, and eligibility for discounts. Both companies offer competitive rates and discounts for different demographics and driving histories. Here’s how each company may impact your insurance premiums based on your age and driving history:


Insurance premiums are often higher for younger drivers due to their lack of driving experience and higher likelihood of accidents. State Farm and AAA both offer discounts for young drivers, such as good student discounts and completion of driver education courses. However, the specific discounts and rates offered may vary between the two companies.

Insurance commissioners are government officials responsible for regulating the insurance industry within their respective states or jurisdictions.

Driving History

Your driving history, including past accidents, tickets, and violations, can impact your insurance rates. State Farm and AAA both consider your driving record when determining premiums, and they may offer discounts for safe driving and an accident-free history. If you have a clean driving record, you may be eligible for lower rates from both companies.


Both State Farm and AAA offer various discounts that can help lower insurance premiums for drivers of all ages and driving histories. These discounts may include multi-policy discounts, safe driving discounts, good student discounts, and discounts for vehicle safety features. Comparing the available discounts and eligibility criteria from each company can help you determine which offers the best value for your age and driving history.

Coverage Options

The coverage options you choose can also impact your insurance premiums. State Farm and AAA offer similar coverage options, including liability, collision, comprehensive, and additional endorsements. By comparing quotes for the same coverage levels and options from both companies, you can evaluate which company offers the most affordable rates for your age and driving history.

How to Find the Right Car Insurance Company

Here are some considerations when researching car insurance companies:

Customer Satisfaction Rating

Read reviews and testimonials to see how satisfied customers are with their insurance products and services. What is the prevailing sentiment among reviewers and what do most customers have to say about the company? Most importantly, how does the company handle customer complaints?

Customer Satisfaction Rating

Claims satisfaction reflects how satisfied customers are with the process of filing and resolving insurance claims. A high level of claims satisfaction and fewer complaints indicate that customers had a positive experience with the insurance company during the claims process, including prompt and efficient handling of claims, clear communication, and fair settlement of claims.

Personal Factors

Considering personal factors, such as customer service preference, coverage needs, and age and driving experience, makes it easier to compare the offerings of AAA and State Farm and make an informed decision that aligns with your requirements and budget for auto insurance coverage.

Factors Affecting Auto Insurance Rates

While the specific impact of each factor may vary depending on the insurance company and individual circumstances, common factors influencing car insurance policy rates include:

Driving Record

Your entire driving history, including accidents, speeding tickets, and violations, significantly influences auto insurance rates. Drivers with clean records typically receive lower premiums, while those with accidents or violations may face higher rates.

Age and Gender

Young drivers, especially teenagers, often have higher insurance rates due to a lack of driving experience and a higher likelihood of accidents. Gender can also affect rates, with young male drivers typically paying higher premiums than young female drivers.

Vehicle Type

The make, model, year, and safety features of your vehicle can impact insurance rates. High-performance vehicles, luxury cars, and sports cars tend to have higher insurance premiums due to their higher repair costs and increased risk of theft or accidents.

Coverage and Deductibles

Deductible levels and the type and amount of coverage you choose affect auto insurance premiums. Higher coverage limits and lower deductibles typically result in higher premiums, while lower coverage limits and higher deductibles lead to lower premiums.

Credit Score

In many states, insurance companies use credit scores as a factor in determining auto insurance rates. Drivers with higher credit scores may receive lower premiums, as they are considered less risky to insure.

State Farm vs. AAA: Coverage Options

State Farm and AAA (American Automobile Association) both offer auto insurance coverage, but there are differences in their coverage options and features. Here’s a comparison of coverage options for car owners offered by State Farm and AAA:

State Farm

Liability Coverage

State Farm offers liability coverage, which includes bodily injury liability and property damage liability. This coverage pays for injuries and damages to other parties if you are at fault in an accident.

Collision Coverage

State Farm provides collision coverage, which pays for damages to your vehicle in the event of a collision with another vehicle or object, regardless of fault.

Comprehensive Coverage

State Farm offers comprehensive coverage, which pays for damages to your vehicle caused by non-collision incidents such as theft, vandalism, fire, or natural disasters.

Uninsured/Underinsured Motorist Coverage

This protects you if you are involved in an accident with a driver who lacks sufficient insurance coverage.

Medical Payments Coverage

State Farm offers medical payment coverage, which pays for medical expenses for you and your passengers in the event of an accident, regardless of fault.

Personal Injury Protection (PIP)

Depending on the state, State Farm may offer personal injury protection (PIP) coverage, which provides broader coverage for medical expenses, lost wages, and other expenses resulting from an accident.

Rental Reimbursement Coverage

State Farm provides rental reimbursement coverage, which reimburses you for the cost of renting a vehicle while your car is being repaired due to a covered loss.


Basic Coverage

AAA offers basic auto insurance coverage, including liability coverage, collision coverage, and comprehensive coverage similar to State Farm.

Roadside Assistance

One significant advantage of AAA auto insurance is its roadside assistance program, which is included as part of the policy. AAA’s roadside assistance covers services such as towing, battery jump-starts, flat tire changes, fuel delivery, and locksmith services.

Discounts and Benefits

AAA members may be eligible for discounts and benefits such as multi-policy discounts, good driver discounts, loyalty discounts, and additional perks such as travel discounts and automotive services.

Additional Coverage Options

AAA offers various additional coverage options, including rental car coverage, gap insurance, personal property coverage, and pet injury coverage, among others.

Overall, both State Farm and AAA offer comprehensive auto insurance coverage options for car owners, including liability, collision, and comprehensive coverage. State Farm may be a better option for those seeking traditional auto insurance coverage with a wide range of options, while AAA may appeal to those who value roadside assistance benefits and additional perks offered to AAA members.

Get Insurance Coverage Today

Whether you’re researching sample rates, looking for insurance policies with at-fault accident forgiveness as a consideration, or simply searching for an insurance provider with a robust market share, CTI is here to provide professional guidance. Contact us for an instant quote. We are dedicated to customer satisfaction.