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 state minimum coverage costs an average of $488 annually, while State Farm costs $502.

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 offers the lowest rates at $4,872 per year. State Farm is more expensive, with an average cost of $5,368 for a teen driver.

Age plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.

For example, adults pay an average of $4,872 with The Auto Club Group, while State Farm charges an average of $5,368 for an adult.

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 rates compared to 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 important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts The Auto Club Group and State Farm give 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 remember to ask about discounts when comparing insurance options to find out what you might qualify for.

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

Both The Auto Club Group and State Farm are good insurance companies, but if cheaper rates are your top priority, The Auto Club Group might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.

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 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.

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