AAA vs. Cameron Mutual: Which Company is the Best Fit for You?

Want to know if AAA or Cameron Mutual is the better choice for insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Cameron Mutual offers significantly less expensive prices than AAA
  • AAA may help you save more money -- they offer more discounts than Cameron Mutual Insurance Company
  • Cameron Mutual offers more affordable rates for policyholders who drive fewer than 12,000 miles yearly

AAA or Cameron Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to AAA or Cameron Mutual as potential options, but between the two, which company will offer you cheaper prices?

AAA Cameron Mutual

Looking at nationwide averages, AAA is quite a bit more expensive than Cameron Mutual, with premiums averaging $314 a month compared to just $124 with Cameron Mutual.

Even so, that doesn't necessarily mean Cameron Mutual will be the more affordable option for every single driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things). So, at the end of the day, rates from each company will differ quite a bit from person to person.

Wanting to know if AAA or Cameron Mutual is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

AAA vs. Cameron Mutual: Average Car Insurance Rates by State

State AAA Cameron Mutual

AAA and Cameron Mutual only compete against each other in one states, with Cameron Mutual offering cheaper rates to the average driver in all of them. Arkansas has the most noticable difference, where Cameron Mutual prices are $76 more affordable than auto insurance premiums at AAA.

That being said, there are plenty of other factors that go into your car insurance payment than just where you call home. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

AAA Cameron Mutual
18-year-old drivers$689$280
25-year-old drivers$276$123

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Cameron Mutual save over 60% per month compared to those who use AAA.

However, with both companies, you'll see your prices drop significantly by the time you turn 25. For example, average rates for AAA policyholders reduce around $400 and Cameron Mutual's prices decrease more than $150 over that time.

Which is the Best Company for Retired Drivers?

AAA Cameron Mutual
65+-year-old drivers$238$79

Once you approach retirement age, you'll typically enjoy the lowest car insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best rates for retired drivers between AAA and Cameron Mutual? Cameron Mutual gets the edge here, with average premiums coming in at about $79 monthly compared to AAA's $238.

Which is the Best Company for Married Drivers?

AAA Cameron Mutual

Did you know that car insurance prices are generally more expensive for single drivers than they are for married policyholders? That's usually because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with Cameron Mutual prices coming in at around a third of AAA's. The advantage for married drivers with Cameron Mutual is also obvious, where drivers save over 60% a month.

AAA or Cameron Mutual: Average Rates by Gender

AAA Cameron Mutual

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll generally end up paying more for auto insurance than women.

With AAA, women typically pay more than 10% per month less than men, but with Cameron Mutual, the difference is closer to 10% a month.

Looking at the data for each company specifically, Cameron Mutual offers the most affordable average rates for both men and women, with average prices $200 less for men and $179 cheaper for women.

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AAA vs. Cameron Mutual: Compare State Minimum vs. Full Coverage Rates

AAA Cameron Mutual
State Minimum*$169$53
Full Coverage**$459$195

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, Cameron Mutual has the significant edge, with average monthly premiums coming in at $53. If you want a full coverage policy with the same state minimum limits, Cameron Mutual again has the edge, with policies averaging about $195 per month to AAA's $459.

Is AAA or Cameron Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and accidents lead to higher rates, but which carrier -- AAA or Cameron Mutual -- has the cheapest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Cameron Mutual
Clean Record$213$110
1 Speeding Ticket$299$110

Policyholders with Cameron Mutual auto insurance policies don't report seeing their prices increase after getting a ticket, but AAA policyholders can expect to see their monthly bill increase by around $85.

But Cameron Mutual tends to offer the best prices for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save about 48% a month with Cameron Mutual Insurance Company, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

AAA Cameron Mutual
Clean Record$213$110
1 At-Fault Accident$339$124

AAA drivers who get in an accident can expect to see their rates rise by over 35%, while those who have insurance through Cameron Mutual will see around a 10% increase.

At the end of the day, drivers who use Cameron Mutual end up with the cheaper prices after an accident, with average prices coming in at $124 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Cameron Mutual
Clean Record$213$110
1 DUI$403$152

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. For example, AAA increases average rates by nearly $200 per month -- that's more than a 45% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Cameron Mutual tends to be less expensive for the average driver, with monthly premiums coming in at about $152 to AAA's $403.

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How does Credit Score Impact AAA and Cameron Mutual Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly insurance rates. Certain states and companies do not allow for credit score to be used as an insurance factor, but it will come into play for lots of policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will usually be forced to pay more.

So, which company offers the most affordable prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

AAA Cameron Mutual
Excellent Credit Score$185$84
Good Credit Score$247$107

If you have solid credit, Cameron Mutual will generally reward you the most. For drivers with "excellent" credit scores, Cameron Mutual comes in nearly 54.59 more affordable. Drivers with "good" credit scores typically save around 57% with Cameron Mutual compared to average premiums from AAA.

Which Company is Best for Drivers with Bad Credit?

AAA Cameron Mutual
Fair Credit Score$304$126
Poor Credit Score$539$179

Cameron Mutual typically offers lower prices than AAA when it comes to drivers with bad credit. Drivers with "fair" credit pay about 59% a month less with Cameron Mutual compared to AAA, and those with "poor" scores normally save an average of around 67% per month.

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Is AAA or Cameron Mutual Better for Drivers who Work from Home or Have Short Commutes?

AAA Cameron Mutual
6,000 Annual Miles$307$124
12,000 Annual Miles$320$124

How much you drive can have a considerable impact on how much insurance companies will charge for coverage. Usually, the more milage you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Cameron Mutual charges. However, there's a small difference in monthly rates for AAA, with policyholders who drive the least paying about $13 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Cameron Mutual is the less expensive carrier.

AAA or Cameron Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for auto insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

AAA Cameron Mutual
Urban Areas$384$134
Suburban Areas$301$122
Rural Areas$256$116

Cameron Mutual boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 55% with Cameron Mutual compared to AAA. People who live in suburban areas pay about 59% less with Cameron Mutual compared to AAA. For policyholders in urban ZIP codes, Cameron Mutual Insurance Company's average rates are around 65% less than AAA Insurance.

AAA vs. Cameron Mutual Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both AAA and Cameron Mutual so that you can find the carrier that has the most discounts and, therefore, the largest savings.

AAA Cameron Mutual
AAA Discount 
Academic Discount 
Advance Quote Discount 
Anti-Theft Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
DriveSharp Discount 
Education Discount 
EFT Discount 
Employee Discount 
Garage Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Mature Driver Discount 
Military Discount 

AAA blows Cameron Mutual away when it comes to the sheer amount of discounts available, offering 33 different discounts to Cameron Mutual's six.

A couple of those are overlapping for things like discounts for being a defensive driver, passive restraint discounts, and renewal discounts. AAA also offers discounts for AAA, academic, advance quote, and more.

On the other hand, Cameron Mutual has a few proprietary discounts of their own like education discounts and umbrella policy discounts.

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Final Thoughts: Is AAA or Cameron Mutual Best for You?

So, we've broken down the average premiums for many of the factors insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which insurance company is the right one for you and your specific needs?

Cameron Mutual might be best for you if....

  • You have below-average credit.
  • You want the most robust protection via a "full coverage" policy.
  • You're of retirement age and want to take advantage of lower rates.

AAA might be best for you if...

  • You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare AAA and Cameron Mutual and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just AAA and Cameron Mutual. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

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AAA vs. Cameron Mutual FAQs

Is AAA or Cameron Mutual cheaper?

Cameron Mutual is the cheaper of the two companies when looking at national average prices, with policies averaging $124 per month with Cameron Mutual and $314 for AAA. That being said, that doesn't mean Cameron Mutual will be the cheapest carrier for each driver, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, AAA or Cameron Mutual?

Unfortunately, the only answer we can give you is "it depends.". Neither company is necessarily "better" for every policyholder -- it all comes down to what your unique insurance profile looks like.

Why do AAA and Cameron Mutual offer me different rates?

Car insurance carriers use several different factors when determining the premiums they charge. Variables such as your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Cameron Mutual calculate prices using different factors, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if AAA or Cameron Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't AAA or Cameron Mutual at all, but another you hadn't even thought of!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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