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

Quick Facts

• Based on national averages for insurance, Trexis offers significantly more affordable prices than AAA
• AAA offers more discounts than Trexis Insurance
• Trexis has cheaper premiums for drivers who have less-than-stellar credit

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to AAA or Trexis as potential options, but which one will offer you less expensive rates?

Looking at nationwide averages, Trexis has average rates that are about 30% per month cheaper than those from AAA.

That being said, Trexis may not be the lowest or best option for each driver out there. Car insurance companies use all sorts of complex algorithms to calculate premiums, so depending on how clean your driving record is or where you live (among a range of other factors), you could see wildly different prices from the ones above.

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

AAA or Trexis: Average Car Insurance Rates by State

AAA and Trexis only compete against each other in one states, with Trexis offering more affordable rates to the average driver in all of them. Arkansas has the most noticable difference, where Trexis prices are over 50% less expensive than insurance rates at AAA.

But there's more to calculating auto insurance prices than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Trexis for their auto insurance pay nearly $200 less than those who use AAA.

However, both carriers will offer you dramatically lower prices once you turn 25. Trexis offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. AAA's average premiums lower almost 60% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between AAA and Trexis? Trexis gets the edge here, with average rates coming in at around $171 a month compared to AAA's $238.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance premiums than married drivers. That's because policies for married couples normally cover several cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, Trexis is the clear winner for those who are single, with prices about $106 a month cheaper than AAA, on average. The advantage for married policyholders with Trexis is also obvious, where drivers save more than $75 per month.

AAA vs. Trexis: Average Rates by Gender

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

With AAA, women usually pay nearly $35 a month less than men, and around $20 less with Trexis.

When it comes to the most affordable rates for each gender, Trexis offers the lowest average premiums for both men and women. On average, male drivers save about $101 per month and women save about $87 with Trexis compared to the average AAA policyholder.

AAA or Trexis: 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.

It's no secret that insurance can be pretty complicated. There are so many different coverages 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 includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Trexis typically offers significantly less expensive rates of $108 compared to AAA's $169. When it comes to full coverage policies with similar limits, Trexis again has the edge, with policies around $150 a month more affordable than AAA, on average.

Is AAA or Trexis Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto 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 cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

AAA policyholders can expect their premiums to go up an average of $86 per month if they get a ticket, while Trexis generally raises rates about $43 a month, on average.

But Trexis is normally the less expensive option for both drivers who have clean records and those with a recent speeding ticket, offering prices that are 15% and 25% cheaper, 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 just under $150, while those who have insurance through Trexis will see around a $65 increase.

Overall, the more affordable premiums come from Trexis, with monthly prices averaging $247 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

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. For example, AAA increases average rates 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 prices, Trexis tends to be the much less expensive option with average premiums of $226 per month compared to $403 from AAA.

How does Credit Score Impact AAA and Trexis Rates?

Did you know that many car insurance companies take your credit score into account when calculating prices? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect lots of policyholders out there.

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

Looking specifically at Trexis and AAA, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance payment. That's because the more miles you put on your car 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 Trexis charges. However, there's a small difference in monthly premiums for AAA, with policyholders who drive the least paying about $13 less every month compared to those who drive 12,000 miles annually. Still, Trexis is the cheaper option for drivers in both categories.

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

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a large impact as well. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

Trexis boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Trexis offers rates around $270 monthly compared to AAA's $384. People who live in suburban ZIP codes can expect to pay about $223 a month for Trexis and $301 for AAA. Lastly, those in rural areas tend to get the cheapest premiums from both companies, with average monthly rates coming in at $167 and $256 for Trexis and AAA respectively.

AAA vs. Trexis Discounts

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

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

Below, we've broken down all of the different discounts offered by both AAA and Trexis so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

AAA knocks Trexis out of the park when it comes to the sheer number of discounts available, offering 17 more discounts than Trexis.

Both carriers offer lots of the same discounts -- like discounts for being a defensive driver, EFT discounts, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but AAA also offers AAA discounts, academic discounts, anti-theft discounts, and more that Trexis does not.

On the flip side, Trexis has a couple unique discounts of its own -- agency transfer discounts, education discounts, life policy discounts, and more.

Final Thoughts: Is AAA or Trexis Best for You?

So, you've seen how different factors can affect your insurance prices. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which company is the right company for you, your vehicle, and your wallet?

Trexis might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You have less-than-stellar credit.
• You live in a rural neighborhood.

AAA might be best for you if...

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

We hope this guide has ben a valuable resource as you compare AAA and Trexis. We also hope we've given you the information you need to make the best decision when it comes to your car 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 companies, not just AAA and Trexis. 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 auto insurance carriers in your area, all in just a few minutes.

AAA vs. Trexis FAQs

Is AAA or Trexis cheaper?

Looking just at the national average premiums, Trexis is the more affordable of the two companies, offering average rates of $220 per month compared to $314 for AAA. That being said, Trexis won't necessarily be the lowest company for everyone, since there are a range of different variables that are considered when it comes to your insurance cost.

Who is better, AAA or Trexis?

Sadly, the answer truly is "it depends.". No one carrier is "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Trexis offers cheaper rates for drivers with a recent DUI, while AAA is less expensive for drivers with excellent credit.

Why do AAA and Trexis offer me different rates?

Car insurance carriers take a look at a lot of different factors when determining the premiums they charge drivers. Things such as your driving record, age, where you call home, gender, and sometimes even things like your credit score can all come into play. Both AAA and Trexis calculate prices differently, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the insurance carrier 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 Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto 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 Trexis 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.