AAA vs. Workmen’s Auto: Which Company is the Best Fit for You?

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to AAA and Workmen's Auto. But which of these two companies is the best one for you? Read on to find which carrier has the best rates and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • In general, Workmen's Auto offers significantly less expensive premiums than AAA
  • AAA may help you save more money -- they offer more discounts than Workmen's Auto Insurance
  • Workmen's Auto offers more affordable prices for policyholders who are looking to purchase insurance with a spouse

AAA or Workmen's Auto: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to AAA or Workmen's Auto, but between the two, which company will offer you cheaper rates?

AAA Workmen's Auto

Looking at nationwide averages, AAA is quite a bit more expensive than Workmen's Auto, with prices averaging $314 a month compared to just $151 with Workmen's Auto.

However, that doesn't mean Workmen's Auto will necessarily be more affordable than AAA for every single driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things). So, at the end of the day, premiums from each company will differ quite a bit from person to person.

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

AAA vs. Workmen's Auto: Average Car Insurance Rates by State

State AAA Workmen's Auto

AAA and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average rates. Workmen's Auto drivers tend to pay about $64 per month less on average compared to drivers who use AAA for their car insurance.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your premiums. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

AAA Workmen's Auto
18-year-old drivers$689$321
25-year-old drivers$276$130

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of over 55% less a month by choosing Workmen's Auto over AAA.

Even so, both carriers will offer you dramatically lower rates by the time drivers turn 25. Workmen's Auto 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?

AAA Workmen's Auto
65+-year-old drivers$238$124

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

When looking at AAA and Workmen's Auto specifically, which company is best for retired drivers? Workmen's Auto gets the edge, with premiums for drivers 65 and older $114 less expensive than the national average for AAA.

Which is the Best Company for Married Drivers?

AAA Workmen's Auto

Did you know that car insurance prices are normally more expensive for single policyholders than they are for married couples? That's because policies for married policyholders generally cover more than one vehicle, which lots of companies will give you a discount for.

For single drivers, the difference in average rates between these two carriers is significant, with Workmen's Auto premiums coming in at around half of AAA's. The advantage for married drivers with Workmen's Auto is also obvious, where drivers save about $100 per month.

AAA or Workmen's Auto: Average Rates by Gender

AAA Workmen's Auto

Did you know men usually pay more for auto insurance than women? This is because men are statistically more likely than women to get into accidents and get tickets, which leads to increased risk for insurers and, therefore, higher prices.

On average, men see premiums around $35 a month higher with AAA; everyone gets the same monthly rates regardless of gender with Workmen's Auto.

Looking at overall affordability, Workmen's Auto comes out on top for both men and women, with average premiums $180 less for men and $146 cheaper for women.

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AAA vs. Workmen's Auto: Compare State Minimum vs. Full Coverage Rates

AAA Workmen's Auto
State Minimum*$169$67
Full Coverage**$459$235

*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 car insurance, but there are so many different terms and limits 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 passengers if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, Workmen's Auto has the significant edge, with average monthly prices coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging about $235 per month to AAA's $459.

Is AAA or Workmen's Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two companies offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Workmen's Auto
Clean Record$213$111
1 Speeding Ticket$299$145

Policyholders who use AAA for their insurance can normally expect their monthly bill to go up around 29% after getting a speeding ticket. Workmen's Auto policyholders can expect a less drastic increase of about 23%.

That being said, Workmen's Auto has cheaper premiums for drivers in both categories, offering rates that are 48% and 52% more affordable, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

AAA Workmen's Auto
Clean Record$213$111
1 At-Fault Accident$339$156

AAA drivers who get in an accident can expect to see their prices rise by just under $150, while those who have insurance through Workmen's Auto will see around a $45 increase.

At the end of the day, Workmen's Auto offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $156 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Workmen's Auto
Clean Record$213$111
1 DUI$403$191

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, AAA will climb your rates about 47% after a DUI, while Workmen's Auto's average premiums increase by more than 40%.

But if you end up with a DUI charge and are looking for more affordable prices, Workmen's Auto tends to be less expensive for the average driver, with monthly premiums coming in at around $191 to AAA's $403.

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How does Credit Score Impact AAA and Workmen's Auto Rates?

Did you know many car insurance carriers take your credit score into account when determining rates? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it will come into play for several policyholders.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will typically be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

AAA Workmen's Auto
Excellent Credit Score$185No Data Available
Good Credit Score$247No Data Available

You'll often be rewarded if you have great credit. Jumping from a "good" credit score to an "excellent" one will normally save AAA Insurance customers about 25%. Because undefined, doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

AAA Workmen's Auto
Fair Credit Score$304No Data Available
Poor Credit Score$539No Data Available

Having bad credit typically means you'll also see higher rates with AAA Insurance. If your credit score is in the "poor" range, at AAA Insurance, you may pay around 45% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with undefined over AAA Insurance.

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Is AAA or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

AAA Workmen's Auto
6,000 Annual Miles$307$126
12,000 Annual Miles$320$175

Did you know that the amount of time you spend in your car have a large impact on your monthly insurance payment? Generally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Workmen's Auto offers more affordable prices than AAA. Workmen's Auto's average rates for drivers with 6,000 annual miles come in nearly 60% less expensive than AAA. Those who drive 12,000 miles yearly can expect to pay over 45% less with Workmen's Auto over AAA.

AAA or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

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

AAA Workmen's Auto
Urban Areas$384$149
Suburban Areas$301$154
Rural Areas$256$149

Workmen's Auto boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 42% with Workmen's Auto compared to AAA. People who live in suburban areas pay around 49% less with Workmen's Auto compared to AAA. For policyholders in urban ZIP codes, Workmen's Auto Insurance's average rates are about 61% less than AAA Insurance.

AAA vs. Workmen's Auto 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 taking advantage of as many auto insurance discounts as possible.

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

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

AAA Workmen's Auto
AAA Discount 
Academic Discount 
Advance Quote Discount 
Anti-Theft Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
Driver-Vehicle Combination 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 Workmen's Auto out of the park when it comes to the sheer number of discounts available, offering 29 more discounts than Workmen's Auto.

A couple of those are overlapping for things like discounts for being a good driver, mature driver discounts, and renewal discounts. AAA also offers discounts for AAA, academic, advance quote, and more.

On the other hand, Workmen's Auto has a proprietary discount of their own -- a driver-vehicle combination discounts.

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Final Thoughts: Is AAA or Workmen's Auto Best for You?

So, we've broken down the average premiums for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, is AAA or Workmen's Auto the best one for you and your specific profile and needs?

Workmen's Auto might be best for you if....

  • You will be the only person on the car insurance policy.
  • You're looking for the best prices on liability only coverage.
  • You want to save money while purchasing auto insurance for a teenager.

AAA might be best for you if...

  • You're worried about the impact your credit score will have on your rates.
  • You already have a great credit score.
  • You're looking for discounts -- Aaa has the most.

Hopefully, this guide helps you get a good idea of the differences between AAA and Workmen's Auto and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from a handful of companies, not just AAA and Workmen's Auto. 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 auto insurance carriers in your area, all in just a few minutes.

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AAA vs. Workmen's Auto FAQs

Is AAA or Workmen's Auto cheaper?

Workmen's Auto is the cheaper of the two companies when looking at national average premiums, with policies averaging $151 per month with Workmen's Auto and $314 for AAA. Even so, that doesn't mean Workmen's Auto will be the most affordable carrier for every policyholder, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, AAA or Workmen's Auto?

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, AAA is more affordable for drivers with excellent credit, while Workmen's Auto offers less expensive prices for drivers with a recent DUI.

Why do AAA and Workmen's Auto offer me different rates?

Car insurance carriers use many different variables when calculating the rates they charge. Factors such as where you call home, gender, where your home is, age, and sometimes even things like your credit score can all be used. Both AAA and Workmen's Auto use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if AAA or Workmen's Auto is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't AAA or Workmen's Auto 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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