The Auto Club Group vs. State Farm: Which offers the cheapest auto insurance rates?

The Auto Club Group vs. State Farm: Which one is the cheapest?

The Auto Club Group costs an average of $488, while State Farm has average rates for state minimum coverage of $502.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, The Auto Club Group costs an average of $1,621. State Farm costs more at an average of $1,984.

It’s always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only car insurance
The Auto Club Group	$1,621	$488	$507
State Farm	$1,984	$502	$651

The Auto Club Group vs. State Farm: Rates by age group

For a teen – one of the most expensive age groups to insure – The Auto Club Group has the cheapest rates, coming in at $4,872 per year. State Farm costs an average of $5,368 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,607 at The Auto Club Group, while at State Farm the average rate for an adult is $1,985.

Age (group)	The Auto Club Group	State Farm
Teens	$4,872	$5,368
Young adults	$2,757	$3,179
Adults	$1,607	$1,985
Seniors	$1,548	$1,858

The Auto Club Group vs. State Farm: Rates for high-risk drivers

State Farm has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, State Farm is cheaper, with average rates of $3,179.

Take a look at the table below for The Auto Club Group’s rates compared to State Farm’s rates.

Type of violation	The Auto Club Group	State Farm
1 At-fault property damage accident over $2K	$2,557	$2,411
1 At-fault property damage accident under $2K	$2,557	$2,403
At-fault bodily injury accident	$2,557	$2,497
Careless driving	$2,904	$2,419
DUI	$4,957	$3,179
Reckless driving	$4,957	$3,037
Speeding	$3,033	$2,321

The Auto Club Group vs. State Farm: Rates in your state

Insurance rates vary from state to state. Carriers factor in data from your region and ZIP code, including weather, crime and traffic trends to calculate risk. The table below shows where you’ll find the cheapest rates for The Auto Club Group and State Farm. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

State	State Farm	The Auto Club Group
Alabama	$1,790	N/A
Alaska	$1,713	N/A
Arizona	$2,233	N/A
Arkansas	$2,060	N/A
California	$2,701	N/A
Colorado	$1,950	N/A
Connecticut	$1,733	N/A
Delaware	$2,153	N/A
Florida	$2,119	N/A
Georgia	$2,344	N/A
Hawaii	$1,938	N/A
Idaho	$1,120	N/A
Illinois	$1,633	$979
Indiana	$1,616	N/A
Iowa	$1,306	N/A
Kansas	$1,976	N/A
Kentucky	$2,753	N/A
Louisiana	$3,570	N/A
Maine	$1,262	N/A
Maryland	$2,177	N/A
Massachusetts	$689	N/A
Michigan	$3,698	$2,537
Minnesota	$1,525	$1,636
Mississippi	$1,797	N/A
Missouri	$2,072	N/A
Montana	$1,858	N/A
Nebraska	$2,344	N/A
Nevada	$1,443	N/A
New Hampshire	$1,155	N/A
New Jersey	$2,153	N/A
New Mexico	$1,669	N/A
New York	$1,951	N/A
North Carolina	$1,180	N/A
North Dakota	$1,738	N/A
Oklahoma	$1,861	N/A
Oregon	$1,502	N/A
Pennsylvania	$2,473	N/A
Rhode Island	$1,319	N/A
South Carolina	$2,106	N/A
South Dakota	$2,096	N/A
Tennessee	$1,677	N/A
Texas	$1,956	N/A
Utah	$2,175	N/A
Vermont	$1,139	N/A
Virginia	$1,479	N/A
Washington	$1,794	N/A
Washington, D.C.	$2,426	N/A
West Virginia	$1,691	N/A
Wisconsin	$2,378	N/A
Wyoming	$1,521	N/A

N/A represents data is not available.

The Auto Club Group vs. State Farm: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts The Auto Club Group and State Farm offer to their customers.

Discounts	The Auto Club Group	State Farm
Primary Use	8%	12%
Payment Type	8%	N/A
Electronic Funds Transfer	7%	N/A
Daily Commute	6%	2%
Safety Devices	3%	4%
Days Per Week Driven	13%	4%
Profession	4%	N/A
Years Insured	23%	N/A
Anti-Theft Device	2%	1%
Homeowner	N/A	2%
Air Bags	1%	2%
Paperless/Electornic Documents	2%	N/A
Lower Annual Mileage	2%	10%
Education	2%	N/A
Loyalty - Years Renewal With Company	16%	18%
Years Licensed	N/A	18%
Multi Policy	14%	10%
Days Advanced Purchase	13%	N/A
Telematics	N/A	13%
Marital Status	11%	N/A

N/A represents data is not available.

Always be sure to ask about available discounts when you’re shopping around for insurance to see what you may qualify for.

The Auto Club Group vs. State Farm: The bottom line

Both The Auto Club Group and State Farm are solid insurance companies, but if rates are what matter most to you, The Auto Club Group may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.

Helpful auto insurance tools and calculators