Auto Insurance Comparison
AAA vs The General
Side-by-side comparison of AAA vs The General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
AAA comes out clearly ahead The General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| AAA | The General | |
|---|---|---|
| Overall score | 3.75 /5 ★★★★★ Highest overall | 3.25 /5 ★★★★★ |
| Best for | AAA sits at the intersection of insurance and membership — its auto coverage is competitive on service and roadside, but headline rates frequently run above more pure-play competitors like GEICO or Progressive | The General writes non-standard auto insurance for drivers who can't easily get coverage from mainstream carriers |
| Read full review | AAA review → | The General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | AAA | The General |
|---|---|---|
| Customer experience | 4.30 | 3.00 |
| Coverage breadth | 4.00 | 3.00 |
| Affordability | 3.00 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
AAA
Full review →Pros
- Roadside assistance and member benefits genuinely earn the brand's reputation
- Strong claims-handling and agent service in most regions
- Broad coverage options with consistent multi-state availability
- Solid bundling discounts for members with home or life policies
Cons
- Headline rates typically run above the national average for non-members or light users
- Quality varies meaningfully by regional AAA club — service and pricing aren't uniform
- Not the best fit for high-risk drivers or drivers seeking the lowest possible rate
The General
Full review →Pros
- Strong specialization in non-standard risk — accepts drivers others reject
- Quick online quotes including SR-22 filings
- Available in 45 states, broader than most non-standard competitors
- Affordable for high-risk profiles that mainstream carriers price out
Cons
- Customer satisfaction and claims experience trend below industry averages
- Standard-risk drivers will pay more here than at mainstream carriers
- Coverage menu is intentionally minimal — limited add-on options
Coverage at a glance
What each carrier offers in standard policies.
AAA
The General
The bottom line
AAA
AAA makes sense if you'd use the membership perks anyway. If you're a careful driver who just wants the cheapest competent coverage, USAA (if eligible) or GEICO typically beat AAA on price by a comfortable margin.
Read the full AAA reviewThe General
If you've been denied by mainstream carriers or need SR-22 filing, The General is a legitimate option. If you're a standard-risk driver, you're paying for risk pooling you don't need — get quotes from GEICO and Progressive first.
Read the full The General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.