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

You've probably seen ads offering big savings on insurance, but are AAA or Imt right for you? Which carrier offers the lowest premiums, or the most discounts? Read on to see how AAA and Imt compare, and to find out which company is the best one for you, your vehicle, and your budget.
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Quick Facts

  • Looking at the national averages for car insurance, Imt offers significantly cheaper rates than AAA
  • AAA may help you save more money -- they offer more discounts than IMT Insurance
  • Imt offers more affordable prices for policyholders whose driving record contains an at-fault collision

AAA or Imt: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to AAA or Imt as your top options, but which one will offer you more affordable rates?


As you can see, Imt is quite a bit cheaper than AAA, with prices averaging $109 a month compared to $314 with AAA when looking at the national average rates for insurance.

Even so, Imt may not be the cheapest or best option for each driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things), so premiums could vary drastically from person to person.

Luckily, we've broken down average prices from both AAA and Imt by several different rate factors, so read on to find out which carrier is the best for you.

AAA vs. Imt: Average Car Insurance Rates by State

State AAA Imt

AAA and Imt only compete against each other in two states, with Imt offering less expensive premiums to the average driver in all of them. Nebraska has the most noticable difference, where Imt rates are $203 cheaper than auto insurance premiums at AAA.

That being said, there's a lot more that goes into your insurance bill than just your home state. Continue reading to see how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

18-year-old drivers$689$201
25-year-old drivers$276$108

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. Usually, that's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 70% less per month by choosing Imt over AAA.

But with both companies, you'll see your rates drop significantly by the time drivers turn 25. For example, average premiums for AAA policyholders decrease nearly 60% and Imt's prices reduce over 45% over that time.

Which is the Best Company for Retired Drivers?

65+-year-old drivers$238$82

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever see.

So, which company offers the best prices to retired drivers? Imt gets the edge, with rates for drivers 65 and older $156 more affordable than the national average for AAA.

Which is the Best Company for Married Drivers?


Married couples tend to get slightly less expensive car insurance premiums than single policyholders. That's typically because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two carriers is significant, with Imt rates coming in at around a third of AAA's. The advantage for married drivers with Imt is also obvious, where drivers save about $150 a month.

AAA or Imt: Average Rates by Gender


Did you know men tend to pay more for auto insurance than women? This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher premiums.

With AAA, men normally pay more than 10% more per month than women., but with Imt, the difference is closer to 10% a month.

Looking at the data for each carrier specifically, Imt offers the lowest average rates for both men and women. On average, women save about $194 per month and men save around $216 with Imt compared to the average AAA policyholder.

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AAA vs. Imt: Compare State Minimum vs. Full Coverage Rates

State Minimum*$169$58
Full Coverage**$459$160

*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.

It's no secret that insurance can be pretty complicated. Everyone needs car 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 (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum liability limits, Imt has the significant edge, with average monthly premiums coming in at $58. If you want a full coverage policy with the same state minimum limits, Imt again has the edge, with policies averaging about $160 a month to AAA's $459.

Is AAA or Imt Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great prices 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 collisions and speeding tickets lead to higher rates, but which company -- AAA or Imt -- has the cheapest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Clean Record$213$76
1 Speeding Ticket$299$89

Policyholders who use AAA for their insurance can typically expect their monthly bill to go up around 29% after getting a speeding ticket. Imt policyholders can expect a less drastic increase of about 15%.

That being said, Imt tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With IMT Insurance, drivers with a clean record can save around $137 per month and drivers with a speeding ticket can save about $210 a month.

Which Company is Best for Drivers After an Accident?

Clean Record$213$76
1 At-Fault Accident$339$134

After an accident, drivers who have their auto insurance through AAA can expect to see around an $126 -- or about 37% -- rise in their car insurance prices. Drivers who use Imt for their insurance will see a monthly bill around $58 (or 43%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, Imt offers the most affordable premiums for drivers with an at-fault accident on their records, with average rates coming in at $134 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

Clean Record$213$76
1 DUI$403$135

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. AAA drivers usually see a 47% increase in their car insurance prices after a DUI charge, while Imt will generally raise premiums by about 44%.

But if you end up with a DUI charge and are looking for more affordable rates, Imt tends to be more affordable for the average driver, with monthly premiums coming in at around $135 to AAA's $403.

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How does Credit Score Impact AAA and Imt Rates?

Did you know many insurance carriers take into account your credit score when determining prices? Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it does affect a lot of drivers out there.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

Excellent Credit Score$185$86
Good Credit Score$247$102

If you have great credit, Imt will normally reward you the most. For drivers with "excellent" credit scores, Imt comes in nearly 53.51 cheaper. Drivers with "good" credit scores usually save about 59% with Imt compared to average rates from AAA.

Which Company is Best for Drivers with Bad Credit?

Fair Credit Score$304$108
Poor Credit Score$539$140

Imt typically offers lower prices than AAA when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 64% per month less with Imt compared to AAA, and those with "poor" scores typically save an average of about 74% per month.

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

6,000 Annual Miles$307$109
12,000 Annual Miles$320$109

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. Usually, those who drive less will end up with less expensive premiums since there's less of a chance of causing a collision and filing an insurance claim.

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

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

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

Urban Areas$384$136
Suburban Areas$301$100
Rural Areas$256$90

Imt tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, IMT Insurance's average rates are about 65% less than AAA Insurance. People who live in suburban areas pay around 67% less with Imt compared to AAA. Those in rural areas can expect to save about 65% with Imt compared to AAA.

AAA vs. Imt Discounts

No matter why you might be in the market for a new car 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 utilizing as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both AAA and Imt so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

AAA Discount 
Academic Discount 
Advance Quote Discount 
Anti-Theft Discount 
Commercial Product Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount
DriveSharp 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 Imt away when it comes to the sheer amount of discounts available, offering 33 different discounts to Imt's nine.

A couple of those are overlapping for things like distant student discounts, discounts for being a good student, and group discounts. AAA also offers discounts for AAA, academic, advance quote, and more.

On the other hand, Imt has a few proprietary discounts of their own like commercial product discounts and minor child discounts.

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Final Thoughts: Is AAA or Imt Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts companies offer. But, at the end of the day, which insurance company is the best company for you and your specific profile and needs?

Imt might be best for you if....

  • You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
  • You are purchasing your insurance with a spouse.

AAA might be best for you if...

  • You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare AAA and Imt and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just AAA and Imt. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

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AAA vs. Imt FAQs

Is AAA or Imt cheaper?

Imt is the cheaper of the two carriers when looking at national average prices, with policies averaging $109 a month with Imt and $314 for AAA. However, that doesn't mean Imt will be the cheapest company for every driver, since there are a variety of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, AAA or Imt?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for each policyholder -- it all boils down to your unique car insurance profile.

Why do AAA and Imt offer me different rates?

Auto insurance companies use quite a few different factors when calculating the premiums they charge. Variables such as where your home is, gender, age, where you park your car, and sometimes even things like your credit score can all come into play. Both AAA and Imt calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't AAA or Imt 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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