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

How do AAA and Germania compare when it comes to insurance premiums and discounts? If you want to find out which company has the best prices for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Germania offers significantly cheaper rates than AAA
  • AAA offers more discounts than Germania Insurance
  • Germania tends to be a much more affordable option for residents of rural areas

AAA vs. Germania: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to AAA or Germania, but which company will offer you less expensive premiums?

AAA Germania

Looking at the national average rates for both companies, AAA has average rates that are about 55% per month more expensive than those from Germania.

However, that doesn't necessarily mean Germania will be the more affordable option for each driver. Auto insurance carriers vary their rates depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and a variety of other factors, so prices could change drastically from person to person.

Luckily, we've broken down average rates from both AAA and Germania by a range of different rate factors, so read on to find out which carrier is the best for you.

AAA or Germania: Average Car Insurance Rates by State

State AAA Germania

AAA and Germania only compete against each other in Texas, where Germania offers the cheaper average prices. For Texas residents, Germania offers car insurance for $142 per month on average. AAA's average premiums come out to be over 20% more expensive, at $179 a month.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your rates. Read on to learn more.

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Which is the Best Company For Young Drivers?

AAA Germania
18-year-old drivers$689$277
25-year-old drivers$276$137

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $400 less a month by choosing Germania over AAA.

Even so, with both carriers, you'll see your premiums decrease significantly once you turn 25. Germania offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. AAA's average prices lower nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

AAA Germania
65+-year-old drivers$238$108

Once you approach retirement age, you'll generally enjoy the cheapest car insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

So, which company offers the best prices to retired drivers? Germania gets the edge, with rates for drivers 65 and older $130 less expensive than the national average for AAA.

Which is the Best Company for Married Drivers?

AAA Germania

You may not be aware, but insurance premiums tend to be cheaper for married couples than they are for single drivers. This usually boils down to married policyholders having several cars on their policy -- something lots of auto insurance companies will reward with discounts.

When it comes to relationship status, Germania is the clear winner for single policyholders, with prices around $206 per month more affordable than AAA, on average. The advantage for married drivers with Germania is also obvious, where drivers save over 50% a month.

AAA vs. Germania: Average Rates by Gender

AAA Germania

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

On average, women see rates more than 10% per month less with AAA, and about 8% less with Germania.

When it comes to the lowest premiums for each gender, Germania comes out as the most affordable option for both genders. On average, women save about $161 a month and men save around $183 with Germania compared to the average AAA policyholder.

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AAA or Germania: Compare State Minimum vs. Full Coverage Rates

AAA Germania
State Minimum*$169$90
Full Coverage**$459$194

*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.

Insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum liability insurance, Germania generally offers significantly less expensive prices of $90 compared to AAA's $169. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies about $250 per month cheaper than AAA, on average.

Is AAA or Germania Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that tickets and collisions lead to higher prices, but which carrier -- AAA or Germania -- has the cheapest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Germania
Clean Record$213$102
1 Speeding Ticket$299$102

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

But Germania tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 52% more affordable for drivers with clean records and 66% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

AAA Germania
Clean Record$213$102
1 At-Fault Accident$339$132

Both companies will increase prices pretty significantly if you get into an at-fault accident with AAA increasing by just under $150. Germania has a less extreme raise, but you can still expect to pay $30 more than you were prior to your first collision.

Overall, drivers who use Germania end up with the cheaper prices after an accident, with monthly rates averaging $132 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Germania
Clean Record$213$102
1 DUI$403$233

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than a collision or speeding ticket. For example, AAA increases average prices by nearly $200 a month -- that's over a 45% increase.

If you have a DUI on your record and are looking for more affordable premiums, Germania tends to be the much less expensive option with average rates of $233 monthly compared to $403 from AAA.

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How does Credit Score Impact AAA and Germania Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it might come into play for several policyholders.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

AAA Germania
Excellent Credit Score$185$82
Good Credit Score$247$120

If you have great credit, you'll usually find a better deal with Germania. Drivers with "excellent" credit can save more than 55% compared to AAA, and those with "good" scores can also expect to see savings -- about $127 or 51% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

AAA Germania
Fair Credit Score$304$145
Poor Credit Score$539$221

Germania typically offers lower premiums than AAA when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $159 per month less with Germania compared to AAA, and those with "poor" scores typically save an average of about $318 per month.

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

AAA Germania
6,000 Annual Miles$307$142
12,000 Annual Miles$320$142

Did you know that the amount of time you spend in your car have a big impact on your monthly rates? Normally, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Germania charges. However, there's a small difference in monthly prices for AAA, with policyholders who drive 6,000 miles every year paying around $13 less each month compared to those who drive 12,000 miles yearly. Still, Germania is the more affordable option for drivers in both categories.

AAA vs. Germania: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a pretty big impact on your monthly insurance bill. Generally, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

AAA Germania
Urban Areas$384$149
Suburban Areas$301$143
Rural Areas$256$134

When comparing these two carriers side-by-side, Germania usually comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both companies, but Germania comes out on top with average rates about $134 a month. Germania also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a $235 and $158 a month respective difference when compared to AAA drivers in similar areas.

AAA vs. Germania Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've taken a look at all of the different discounts AAA and Germania offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

AAA Germania
AAA Discount 
ABS Discount 
Academic Discount
Advance Quote Discount
Anti-Theft Discount
Claim Free Discount 
Covid-19 Relief Discount
Defensive Driver Discount
Distant Student Discount
Driver Training Discount
DriveSharp Discount 
Drug and Alcohol Awareness Discount 
EFT Discount 
Employee Discount 
Garage Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Homeowner Discount
Hybrid Vehicle Discount 

AAA knocks Germania out of the park when it comes to the sheer number of discounts available, offering 33 different discounts to Germania's 18.

Both carriers offer several of the same discounts -- like advance quote discounts, COVID-19 relief discount, discounts for being a defensive driver, and discounts for being a homeowner -- but AAA also offers AAA discounts, drivesharp discounts, EFT discounts, and more that Germania does not.

On the flip side, Germania has a couple unique discounts of its own -- ABS discounts, claim free discounts, drug and alcohol awareness discounts, and more.

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Final Thoughts: Is AAA or Germania Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which carrier is the right carrier for you and your specific profile and needs?

Germania might be best for you if....

  • You're single and purchasing auto insurance by yourself.
  • You live in an urban area.
  • You're buying insurance for a teen and looking for a wallet-friendly option.

AAA might be best for you if...

  • You're looking for discounts -- Aaa has the most.

We hope this guide helps you get a better idea of the difference between AAA and Germania and that you can now make a more informed decision when it comes to your car 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 multiple carriers, not just AAA and Germania. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

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AAA vs. Germania FAQs

Is AAA or Germania cheaper?

Looking just at the national average prices, Germania is the more affordable of the two carriers, offering average rates of $142 per month compared to $314 for AAA. Even so, Germania won't necessarily be the most affordable company for every policyholder, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, AAA or Germania?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do AAA and Germania offer me different rates?

Insurance companies take a look at quite a few different factors when determining the rates they charge policyholders. Things such as age, your driving record, gender, where your home is, and sometimes even things like your credit score can all be used. Both AAA and Germania calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be AAA or Germania at all!


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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