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 per year for state minimum coverage, while State Farm costs $502 annually.

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

It's always smart to compare quotes because prices and required coverage can change depending on your state and individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) 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 teens – 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 affects insurance rates greatly. Companies consider factors like speeding, accidents, and distracted driving. They see teen drivers as high-risk, making them one of the most expensive groups to insure. Rates usually drop as you get older.

For example, adults pay an average of $1,607 with The Auto Club Group, while State Farm costs $1,985 for an adult, on average.

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 offers the lowest rates for high-risk drivers. A high-risk driver has multiple speeding tickets, accidents, or a serious offense like a DUI, making affordable car insurance harder to get.

For drivers with a DUI, State Farm offers more affordable rates, averaging $3,179.

Check the table below to compare The Auto Club Group and State Farm 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 are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where The Auto Club Group and State Farm offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.

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

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
Payment type	8%	N/A
Electronic funds transfer	7%	N/A
Daily commute	6%	2%
Safety devices	3%	4%
Profession	4%	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	16%	18%
Multi policy	14%	10%
Days advanced purchase	13%	N/A
Telematics	N/A	13%
Marital status	11%	N/A

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

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: