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

Quick Facts

• In general, Rurual Mutual offers significantly cheaper prices than AAA
• AAA offers more discounts than Rurual Mutual Insurance
• Rurual Mutual tends to be a much less expensive option for policyholders who have a short commute

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to AAA or Rurual Mutual for your next policy, but which company will offer you more affordable premiums?

As you can see, Rurual Mutual has average rates that are about 45% per month less expensive than those from AAA when looking at the national average rates for auto insurance.

Even so, that doesn't mean Rurual Mutual will necessarily be cheaper than AAA for every driver. Car insurance companies vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and all sorts of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of AAA or Rurual Mutual is really the best for you, keep reading to see average premiums for each company broken down by a bunch of different rate factors.

AAA or Rurual Mutual: Average Car Insurance Rates by State

AAA and Rurual Mutual only compete against each other in Wisconsin, where Rurual Mutual offers the cheaper average prices. For Wisconsin residents, Rurual Mutual offers insurance for $167 monthly on average. AAA's average rates come out to be over 40% more expensive, at $246 per month.

That being said, there are plenty of other factors that go into your auto insurance bill than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Rurual Mutual save more than $350 a month compared to those who use AAA.

However, both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for AAA policyholders drop over $400 and Rurual Mutual's premiums reduce nearly $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

So, which carrier offers the best premiums to retired drivers? Rurual Mutual gets the edge, with rates for drivers 65 and older almost 45% more affordable than the national average for AAA.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance premiums than married policyholders. This usually boils down to married drivers having several cars on their policy -- something a lot of insurance companies will reward with discounts.

When it comes to relationship status, Rurual Mutual is the clear winner for single policyholders, with prices around $180 per month cheaper than AAA, on average. For married couples, the advantage is clear again - Rurual Mutual has the edge when it comes to average premiums.

AAA vs. Rurual Mutual: Average Rates by Gender

Did you know women generally pay less for car insurance than men? This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim.

On average, women see rates more than 10% a month less with AAA, and about 6% less with Rurual Mutual when compared to their male counterparts.

When it comes to the lowest prices for each gender, Rurual Mutual comes out as the cheapest option for both genders, with average rates 48% less for men and 45% cheaper for women.

AAA or Rurual Mutual: Compare State Minimum vs. Full Coverage Rates

*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. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

That being said, the 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 includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Rurual Mutual typically offers significantly less expensive prices of $67 compared to AAA's $169. When it comes to full coverage policies with similar limits, Rurual Mutual again has the edge, with policies around $200 per month more affordable than AAA, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

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

Which Company is Best for Drivers with Speeding Tickets?

AAA policyholders can expect their prices to go up an average of $86 a month if they get a ticket, while Rurual Mutual generally raises rates about $10 per month, on average.

Even so, Rurual Mutual is usually the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are $96 and $172 less expensive, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

AAA drivers who get in a collision can expect to see their rates increase by over 35%, while those who have insurance through Rurual Mutual will see around a 15% increase.

Overall, the more affordable prices come from Rurual Mutual, with monthly premiums averaging $136 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. AAA drivers usually see a 47% increase in their auto insurance prices after a DUI charge, while Rurual Mutual will normally climb rates by about 59%.

If you have a DUI on your record and are looking for more affordable premiums, Rurual Mutual tends to be the much cheaper option with average rates of $288 a month compared to $403 from AAA.

How does Credit Score Impact AAA and Rurual Mutual Rates?

You may not realized it, but your credit score can be used as one of the factors to calculate your monthly car insurance premiums. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for many policyholders.

The reasoning 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 prices, while those with poor credit will typically be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Rurual Mutual. Drivers with "excellent" credit can save just under 35% compared to AAA, and those with "good" scores can also expect to see savings -- around $107 or 43% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Rurual Mutual typically offers lower prices than AAA when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $126 a month less with Rurual Mutual compared to AAA, and those with "poor" scores generally save an average of around $312 per month.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly auto insurance cost? That's because the more miles you put on your vehicle, the more likely you are to get into an accident 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 Rurual Mutual charges. However, there's a small difference in monthly premiums for AAA, with drivers who put 6,000 miles on their car annually paying about $13 less every month compared to those who drive 12,000 miles yearly. Still, Rurual Mutual is the less expensive option for drivers in both categories.

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

Where you call home can have a substantial impact on your monthly insurance payment. Normally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads in those areas.

Rurual Mutual boasts the cheapest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Rurual Mutual Insurance's average prices are around 45% less than AAA Insurance. Drivers in suburban ZIP codes pay about 56% less with Rurual Mutual compared to AAA. If you live in a rural area, you can expect to save around 38% with Rurual Mutual compared to AAA.

AAA vs. Rurual Mutual Discounts

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

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the section below, we've compared all of the different discounts offered by AAA and Rurual Mutual so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both companies offer, but AAA also offers AAA discounts, academic discounts, advance quote discounts, and more that Rurual Mutual does not.

On the flip side, Rurual Mutual has a unique discount of its own -- a claim free discounts.

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

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, which carrier is the best carrier for you and your specific driver profile?

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

• You have a DUI charge on your record.
• You live in an suburban area.
• You are over 65 years old and want to save some money on your auto insurance.

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 Rurual Mutual and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just AAA and Rurual Mutual. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

AAA vs. Rurual Mutual FAQs

Is AAA or Rurual Mutual cheaper?

Looking just at the national average prices, Rurual Mutual is the more affordable of the two companies, offering average rates of $167 per month compared to $314 for AAA. However, Rurual Mutual won't necessarily be the most affordable company for each policyholder, since there are many different factors that come into play when it comes to your auto insurance cost.

Who is better, AAA or Rurual Mutual?

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

Why do AAA and Rurual Mutual offer me different rates?

Insurance carriers take a look at quite a few different variables when calculating the rates they charge drivers. Factors like your driving record, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Rurual Mutual calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be AAA or Rurual Mutual at all!

Methodology

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.