Auto Club vs State Auto Car Insurance for 2023
Unleash the dynamic comparison between Auto Club and State Auto Car Insurance, industry leaders offering a spectrum of policies and services tailored to diverse customer needs.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Unlocking the secrets to optimal insurance rates involves a nuanced understanding of various factors such as credit score, mileage, coverage level, and driving record. Delving into the data presented in the table below, it becomes evident that for individuals with an excellent credit score, Auto Club consistently offers competitive rates, positioning itself as the top choice. On the other hand, State Auto Car Insurance shines when it comes to accommodating high-mileage drivers, providing advantageous rates that cater to their unique needs. Whether you prioritize comprehensive coverage or maintain a pristine driving record, this data-driven exploration will guide you to the insurance provider aligning most favorably with your specific profile.
| Factor | Auto Club | State Auto |
|---|---|---|
| Clean Record | $85 | $75 |
| 1+ Ticket | $110 | $95 |
| 1+ Accident | $125 | $110 |
| DUI | $140 | $130 |
| Poor Credit | $146 | $129 |
| Discount | Auto Club | State Auto |
|---|---|---|
| Anti Theft | 5% | 7% |
| Good Student | 10% | 9% |
| Low Mileage | 10% | 8% |
| Paperless | 7% | 6% |
| Safe Driver | 15% | 12% |
| Senior Driver | 10% | 11% |
Auto Club Car Insurance
Pros:
- Established Reputation: Auto Club, also known as AAA, boasts a long-standing history since its foundation in 1902, making it one of the largest and well-established membership organizations in the United States.
- Comprehensive Membership-Based Policies: Auto Club offers membership-based insurance policies with additional benefits such as travel discounts, DMV services, and home lockout services, providing a comprehensive coverage approach.
- Positive Customer Feedback: Auto Club receives positive reviews for its efficient claims processing and roadside assistance program, contributing to above-average customer satisfaction according to J.D. Power’s 2021 U.S. Auto Insurance Study.
Cons:
- Potentially Higher Costs: While Auto Club offers a range of benefits through its membership-based policies, the cost may be relatively higher compared to some competitors.
- Limited Digital App Features: While Auto Club’s mobile app is user-friendly, it may lack some of the advanced features offered by State Auto Car Insurance.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
State Auto Car Insurance
Pros:
- Unique Coverage Options: State Auto Car Insurance provides unique coverage options like the Drive Safe and Save program, which uses telematics to offer discounts for safe driving habits. They also offer customizable policies for classic and antique vehicles.
- Competitive Rates and Discounts: State Auto Car Insurance offers competitive rates and discounts for bundling policies, good driving habits, and vehicle safety features, making it an attractive option for cost-conscious customers.
- Digital Transformation Efforts: State Auto Car Insurance embraces digital transformation with mobile apps, online account management, and digital tools like the Drive Safe and Save program, enhancing customer convenience.
Cons:
- Mixed Customer Reviews: State Auto Car Insurance receives mixed reviews, with some customers expressing concerns about longer processing times for claims and issues with customer service, contributing to below-average customer satisfaction according to J.D. Power’s 2021 U.S. Auto Insurance Study.
- Less Established History: Founded in 1921, State Auto Car Insurance may be perceived as less established compared to Auto Club, which could influence trust and confidence among customers.
Auto Club vs. State Auto Car Insurance: Best Overall Choice
When comparing Auto Club and State Auto Car Insurance, both companies offer appealing features and benefits to potential customers. However, when considering rates and what they offer in their car insurance packages, Auto Club stands out as the better option overall.
Auto Club’s Competitive Rates: Auto Club provides competitive rates for car insurance, and their long history in the industry allows them to offer attractive premiums while maintaining the quality of service. While both companies offer competitive rates, Auto Club’s extensive experience in the field gives them an edge in offering affordable yet reliable coverage.
Diverse Range of Products: Auto Club not only excels in car insurance but also provides a diverse range of insurance products, including home insurance and various membership benefits such as travel discounts and DMV services. This breadth of options makes Auto Club a one-stop solution for various insurance needs, providing additional value to their customers.
High Customer Satisfaction: Auto Club’s above-average customer satisfaction ratings, as per J.D. Power’s 2021 U.S. Auto Insurance Study, underscore their commitment to delivering quality service. Customers appreciate the efficiency of their roadside assistance program and prompt claims processing, further enhancing the overall insurance experience.
User-Friendly Mobile App: Auto Club’s mobile app receives accolades for its user-friendly interface and intuitive design. It offers a seamless digital experience for policyholders, allowing them to manage their policies and file claims with ease.
While State Auto Car Insurance offers customizable coverage and competitive rates, it faces some challenges, including mixed customer satisfaction ratings and potential limitations in its mobile app features. Some customers have reported slower claim processing times and disputes in claim settlements, which may impact overall satisfaction.
Auto Club
Auto Club, often referred to as AAA (American Automobile Association), has a rich and extensive history in the insurance industry. Founded in 1902, it has evolved to become one of the largest and most reputable membership organizations in the United States.
While Auto Club is widely recognized for its iconic roadside assistance program, it has expanded its offerings over the years to encompass a comprehensive suite of insurance products. Their mission is clear: to provide peace of mind to drivers by delivering dependable roadside assistance services and offering various insurance policies to safeguard members’ vehicles, homes, and lives.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
State Auto Car
State Auto Car Insurance, founded in 1921 and headquartered in Columbus, Ohio, has built its legacy over nearly a century of service in the insurance sector. The company’s mission is centered around being a trusted provider of property and casualty insurance. State Auto prides itself on offering personalized coverage solutions and exceptional customer service.
While it may not have the same level of historical prominence as Auto Club, State Auto has steadily grown and adapted to meet the evolving needs of its policyholders. This longevity in the industry demonstrates its commitment to delivering reliable insurance coverage to its customers.
Products and Services
Both Auto Club and State Auto Car Insurance offer a range of insurance products, including liability, collision, and comprehensive coverage, as well as additional options like roadside assistance, rental car coverage, and gap insurance.
Auto Club offers membership-based insurance policies, which include additional benefits like travel discounts, DMV services, and home lockout services. They also offer insurance products for homes, boats, and motorcycles.
State Auto Car Insurance offers unique coverage options like Drive Safe and Save, which uses telematics to track driving habits and provide discounts for safe driving behavior. They also offer customizable policies for classic cars, antique vehicles, and collector cars.
Costs and Discounts
The cost of car insurance varies depending on several factors, including your location, age, driving record, and type of vehicle. Auto Club and State Auto Car Insurance both offer competitive rates, and discounts are available for customers who meet certain criteria.
Auto Club offers discounts for safe driving, multiple policies, and membership. State Auto Car Insurance offers discounts for bundling policies, good driving habits, and vehicle safety features.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Case Studies: Auto Club vs. State Auto Car Insurance
Case Study 1: Young Driver With a Clean Record
Sarah, a 23-year-old college graduate, recently purchased her first car. She has a clean driving record and wants to find affordable car insurance coverage. She decides to compare quotes from Auto Club and State Auto Car Insurance to determine the better option.
Case Study 2: Family With Multiple Vehicles
The Thompson family consists of four members, each with their own car. They are looking for an insurance provider that offers competitive rates for multiple vehicles. They decide to assess the offerings of Auto Club and State Auto Car Insurance to find the most cost-effective solution.
Case Study 3: Vintage Car Owner
John is a car enthusiast and owns a classic car that he cherishes. He wants to insure his vintage vehicle with a provider that understands the unique needs of classic car owners. John explores the coverage options and specialized policies offered by Auto Club and State Auto Car Insurance.
Customer-Centric Auto Club vs. State Auto Claims Handling
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Both Auto Club and State Auto Car Insurance provide convenient options for filing insurance claims. You can file a claim with both companies online through their websites or mobile apps, ensuring a hassle-free process. Additionally, they offer the option to file claims over the phone for those who prefer a more traditional approach.
Average Claim Processing Time
When it comes to claim processing times, Auto Club is known for its efficiency. Customers often report quick and smooth claim resolutions, thanks to their extensive network and experience in the industry. On the other hand, State Auto Car Insurance has received mixed reviews, with some customers expressing concerns about longer processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is an essential aspect to consider. Auto Club generally receives positive reviews from customers who appreciate their promptness and fair settlements. In contrast, State Auto Car Insurance has faced criticism for delays and disputes in claim settlements, which has impacted overall customer satisfaction.
Auto Club vs. State Auto Embraces Digital Transformation
Mobile App Features and Functionality
Both Auto Club and State Auto Car Insurance offer mobile apps with various features to enhance customer convenience. These apps allow policyholders to manage their policies, access digital insurance cards, and file claims from their smartphones.
Auto Club’s app, in particular, is praised for its user-friendly interface and intuitive design. State Auto Car Insurance’s app also provides essential functionality but may not be as robust as Auto Club’s.
Online Account Management Capabilities
Online account management is a crucial aspect of modern insurance providers. Both Auto Club and State Auto Car Insurance offer online account management options through their websites and mobile apps. Policyholders can easily view policy details, make payments, and update their information, providing a seamless digital experience.
Digital Tools and Resources
In addition to basic account management, both companies offer digital tools and resources to assist policyholders. Auto Club provides valuable resources on safe driving, insurance education, and travel-related information. State Auto Car Insurance offers tools like the Drive Safe and Save program, which uses technology to reward safe driving habits with potential discounts.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Customer Reviews
When considering any insurance provider, it’s important to read reviews from other customers to get a sense of their experiences. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Auto Club ranks above average in overall customer satisfaction, while State Auto Car Insurance ranks below average.
Customers of Auto Club appreciate the company’s roadside assistance program and quick claims processing, while customers of State Auto Car Insurance have noted issues with slow claims processing and poor customer service.
Frequently Asked Questions
What types of insurance does Auto Club offer?
Auto Club offers a wide range of insurance products, including car insurance, home insurance, boat insurance, motorcycle insurance, and more. They also provide additional membership benefits like travel discounts and DMV services.
What sets State Auto Car Insurance apart from other providers?
State Auto Car Insurance distinguishes itself with customizable coverage options such as their Drive Safe and Save program, which rewards safe driving behavior with potential discounts. They also offer specialized policies for classic cars and collector vehicles.
How can I manage my policy with Auto Club and State Auto Car Insurance?
Both companies provide mobile apps that allow policyholders to conveniently manage their policies, access digital insurance cards, and file claims from their smartphones. Online account management options are also available through their websites and mobile apps.
Do these companies have responsive customer service?
Auto Club is known for efficient customer service, with a reputation for quick claim resolutions. State Auto Car Insurance has received mixed reviews, with some customers expressing concerns about longer processing times and customer service quality.
What discounts are available from Auto Club and State Auto Car Insurance?
Auto Club offers discounts for safe driving, multiple policies, and membership benefits. State Auto Car Insurance provides discounts for bundling policies, demonstrating good driving habits, and having vehicle safety features.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.