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

Wondering if AAA or Nevada General is the best car insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for auto insurance, Nevada General offers significantly more affordable rates than AAA
  • AAA offers more discounts than Nevada General Insurance Company
  • Nevada General tends to be a much cheaper option for residents of urban areas

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

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

You might have narrowed it down to AAA or Nevada General for your next policy, but which company will offer you less expensive prices?

AAA Nevada General

As you can see, Nevada General has average rates that are about 21% per month more affordable than those from AAA when looking at the national average rates for insurance.

But Nevada General may not be the lowest or best option for each driver out there. Car insurance companies use a variety of complex algorithms to calculate premiums, so depending on how clean your driving record is or where you live (among numerous other factors), you could see wildly different rates from the ones above.

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

AAA or Nevada General: Average Car Insurance Rates by State

State AAA Nevada General

AAA and Nevada General only compete against each other in Nevada, where Nevada General offers the cheaper average premiums. For Nevada residents, Nevada General offers auto insurance for $249 a month on average. AAA's average prices come out to be more expensive, at $275 per month.

There are plenty of other factors that go into your insurance payment than just where you live. Read on to learn more.

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Which is the Best Company For Young Drivers?

AAA Nevada General
18-year-old drivers$689$599
25-year-old drivers$276$209

You might already know that teen drivers usually pay a lot more for auto insurance than any group on the road. That's generally because 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.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Nevada General for their insurance pay $90 less than those who use AAA.

However, with both carriers, you'll see your rates lower significantly by the time you turn 25. For example, average premiums for AAA policyholders decrease nearly 60% and Nevada General's rates drop more than 65% over that time.

Which is the Best Company for Retired Drivers?

AAA Nevada General
65+-year-old drivers$238$188

Drivers around retirement age normally enjoy some of the most affordable auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase premiums.

When looking at AAA and Nevada General specifically, which company is best for retired drivers? Nevada General gets the edge, with prices for drivers 65 and older $50 less expensive than the national average for AAA.

Which is the Best Company for Married Drivers?

AAA Nevada General

Did you know that car insurance rates are generally more expensive for those who are single than they are for married couples? That's typically because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Nevada General is the clear winner for single policyholders, with premiums around $73 a month cheaper than AAA, on average. For married policyholders, the advantage is clear again - Nevada General has the edge when it comes to average rates.

AAA vs. Nevada General: Average Rates by Gender

AAA Nevada General

Men are statistically more likely than women to get speeding tickets and get into collisions. That means when it comes to insurance men will usually end up paying a little more.

Generally, men see prices over 10% per month higher with AAA, and about 2% more with Nevada General.

Looking at the data for each carrier specifically, Nevada General offers the cheapest average rates for both men and women, with average premiums $80 less for men and $51 cheaper for women.

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AAA or Nevada General: Compare State Minimum vs. Full Coverage Rates

AAA Nevada General
State Minimum*$169$150
Full Coverage**$459$348

*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, auto insurance isn't the easiest topic to understand. There are a range of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum liability limits, Nevada General typically offers more affordable prices of $150 compared to AAA's $169. When it comes to full coverage policies with similar limits, Nevada General again has the edge, with policies around $100 a month cheaper than AAA, on average.

Is AAA or Nevada General Better for Drivers with Spotty Records?

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

You'll probably end up paying more with collisions and tickets on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Nevada General
Clean Record$213$209
1 Speeding Ticket$299$231

AAA policyholders can expect their prices to go up an average of $86 per month if they get a ticket, while Nevada General normally raises rates about $22 a month, on average.

That being said, Nevada General tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $4 per month and drivers with a ticket can save about $68 a month with Nevada General Insurance Company.

Which Company is Best for Drivers After an Accident?

AAA Nevada General
Clean Record$213$209
1 At-Fault Accident$339$257

AAA drivers who get in an accident can expect to see their premiums rise by over 35%, while those who have insurance through Nevada General will see around a 20% increase.

Overall, drivers who use Nevada General end up with the cheaper prices after an accident, with monthly prices averaging $257 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Nevada General
Clean Record$213$209
1 DUI$403$298

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. For example, AAA increases average premiums by just under $200 per month -- that's over a 45% increase.

If you have a DUI on your record and are looking for more affordable rates, Nevada General tends to be the much less expensive option with average prices of $298 monthly compared to $403 from AAA.

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How does Credit Score Impact AAA and Nevada General Rates?

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

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

Looking specifically at AAA and Nevada General, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

AAA Nevada General
Excellent Credit Score$185$249
Good Credit Score$247$249

If you have a great credit score, you'll usually find a better deal with AAA. Drivers with "excellent" credit can save more than 25% compared to Nevada General, and those with "good" scores can also expect to see savings -- about $2 or 1% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

AAA Nevada General
Fair Credit Score$304$249
Poor Credit Score$539$249

Nevada General typically offers lower premiums than AAA when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $55 a month less with Nevada General compared to AAA, and those with "poor" scores usually save an average of about $290 a month.

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

AAA Nevada General
6,000 Annual Miles$307$249
12,000 Annual Miles$320$249

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. That's because the more miles you put on your vehicle each year, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Nevada General charges. However, there's a small difference in monthly rates 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 annually. Still, Nevada General is the cheaper option for drivers in both categories.

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

Where you park your car can play a sizable role in how much you pay for auto insurance. Normally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads in those areas.

AAA Nevada General
Urban Areas$384$347
Suburban Areas$301$191
Rural Areas$256$209

Nevada General boasts the cheapest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Nevada General's average premiums are about $347 per month compared to AAA's $384. People in suburban areas pay a monthly rate of around $191 with Nevada General compared to $301 with AAA. Those in rural areas can expect to pay about $209 monthly with Nevada General and $256 with AAA.

AAA vs. Nevada General Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

In the table below, we've broken down all of the different discounts offered by both AAA and Nevada General so that you can see which company can save you the most money each month.

AAA Nevada General
AAA Discount 
Academic Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft 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 knocks Nevada General out of the park when it comes to the sheer number of discounts available, offering 24 more discounts than Nevada General.

There are a couple discounts both carriers offer, but AAA also offers AAA discounts, academic discounts, advance quote discounts, and more that Nevada General does not.

On the flip side, Nevada General has a couple unique discounts of its own -- agency transfer discounts and online quote discounts.

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Final Thoughts: Is AAA or Nevada General Best for You?

So, we've broken down the average prices for many of the factors insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which carrier is the best carrier for you and your specific profile and needs?

Nevada General might be best for you if....

  • You have a clean record.
  • You're worried about the impact your credit score will have on your rates.
  • You have a short commute.

AAA might be best for you if...

  • You have above-average credit.
  • You're looking for the company with the most discounts.

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

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AAA vs. Nevada General FAQs

Is AAA or Nevada General cheaper?

Looking just at the national average premiums, Nevada General is the more affordable of the two carriers, offering average rates of $249 a month compared to $314 for AAA. Even so, Nevada General won't necessarily be the most affordable carrier for every driver, since there are multiple different variables that come into play when it comes to your auto insurance bill.

Who is better, AAA or Nevada General?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for each driver -- it all depends on what your unique car insurance profile looks like. For example, Nevada General offers cheaper rates for drivers with a recent DUI, while AAA is less expensive for drivers with excellent credit.

Why do AAA and Nevada General offer me different rates?

Insurance companies take a look at lots of different factors when determining the prices they charge drivers. Things like where you call home, where you live, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Nevada General use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car insurance company 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 information once 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 carrier for you might not be AAA or Nevada General 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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