Allstate and AAA both offer comprehensive roadside assistance services, but they have different features, pricing, and benefits. The best choice for you will depend on your individual needs, budget, and the types of services you prioritize. At Rate Frog, we provide a comparison of Allstate’s roadside assistance and AAA to help you determine which one is a better fit for you.
Overview of Allstate Roadside Assistance
Allstate offers two types of roadside assistance options: roadside assistance add-ons for auto insurance policies and the Allstate Motor Club, which is a separate membership program similar to AAA.
Allstate Roadside Assistance (Policy Add-On)
- Coverage: Available as an optional add-on to an Allstate auto insurance policy.
- Services Included:
- Towing
- Battery jump-starts
- Flat tire changes
- Lockout services
- Fuel delivery
- Availability: 24/7 roadside assistance through Allstate’s network of service providers.
- Cost: Varies depending on your auto insurance policy, but typically low-cost as an add-on.
Allstate Motor Club
- Membership: A separate service similar to AAA that provides roadside assistance and additional benefits.
- Plans: Multiple membership plans, including Roadside Advantage and Elite Membership.
- Services Included:
- 24/7 roadside assistance
- Towing (up to 100 miles for higher-tier plans)
- Flat tire changes
- Fuel delivery
- Battery service
- Lockout services
- Additional Benefits: Travel discounts, trip interruption benefits, and membership perks.
- Cost: Membership plans start at around $79 per year for the Roadside Advantage plan.
Overview of AAA Roadside Assistance
AAA is a well-known provider of roadside assistance and membership benefits, with services varying by region and membership level.
AAA Membership Tiers
- AAA Classic: Basic roadside assistance plan.
- Towing (up to 5 miles)
- Battery jump-starts
- Flat tire changes
- Fuel delivery (you pay for fuel)
- Lockout services
- AAA Plus: Mid-tier membership with additional services.
- Towing (up to 100 miles)
- Free fuel delivery (fuel included)
- Higher limits on other services
- AAA Premier: Premium membership with the highest level of benefits.
- Towing (up to 200 miles)
- Travel benefits
- Trip interruption protection
- Free identity theft protection
- Cost: Membership starts around $60 annually for the Classic plan and can go up to $120 or more for higher-tier plans.
Comparing Allstate Roadside Assistance and AAA
1. Service Availability
- Allstate: 24/7 roadside assistance with access to a nationwide network of service providers.
- AAA: 24/7 roadside assistance with a large, well-established network of service providers.
2. Towing Limits
- Allstate: Up to 10-15 miles for basic policy add-on plans, with higher mileage limits for Allstate Motor Club members.
- AAA: Towing limits range from 5 miles (Classic) to 100 miles (Plus) and 200 miles (Premier).
3. Additional Benefits
- Allstate: Motor Club members receive travel discounts, trip interruption benefits, and more.
- AAA: AAA members get access to travel services, discounts on hotels and car rentals, trip planning, and more.
4. Cost
- Allstate: Roadside assistance as a policy add-on is usually more affordable, but the Allstate Motor Club has similar pricing to AAA.
- AAA: Offers tiered pricing, starting from $60/year for the Classic plan and going up for more extensive coverage.
5. Membership Perks
- Allstate: Offers discounts on travel, dining, and more for Motor Club members, but perks may not be as extensive as AAA’s.
- AAA: Known for its wide range of membership perks, including discounts at restaurants, hotels, theme parks, and more.
Which One is Better?
Allstate Roadside Assistance (Policy Add-On)
- Best For: People looking for low-cost, basic roadside assistance added to their existing auto insurance policy. It’s affordable and covers essential services like towing and battery jump-starts.
- Pros: Low cost, convenient as part of an auto insurance policy.
- Cons: Lower towing limits, fewer membership perks compared to AAA.
Allstate Motor Club
- Best For: People who want a full roadside assistance membership similar to AAA, with additional benefits like trip interruption and travel discounts.
- Pros: Competitive pricing, additional travel benefits, longer towing distances with higher-tier plans.
- Cons: Less well-known compared to AAA, but still offers comprehensive coverage.
AAA
- Best For: People who prioritize extensive membership perks and travel benefits along with comprehensive roadside assistance services. AAA is also ideal for those who may need long-distance towing.
- Pros: Well-known, extensive network, wide range of discounts, and high towing limits for Plus and Premier members.
- Cons: Higher cost for upper-tier membership plans.
Final Thoughts
Both Allstate and AAA offer strong roadside assistance programs, but they cater to slightly different needs. Allstate’s policy add-on is affordable for those seeking basic coverage, while the Allstate Motor Club is a strong competitor to AAA for those wanting more comprehensive benefits. AAA stands out with its extensive travel perks and higher-tier towing options, making it a better choice for those who value extra benefits.
At Rate Frog, we help you explore your insurance options and find the best policies to suit your needs. Visit our platform today to compare quotes and secure the right coverage for your peace of mind!