AAA Car Insurance An American Automobile Association ’ s ( AAA ) membership offers more than wayside aid and discounts on locomotion activities. The party provides AAA car policy to its members .
What makes this car indemnity different, besides needing a membership, is that each of the 25 AAA Auto Clubs in the United States and Canada is independent and offers respective policy options.

This AAA inspection will look at the types of car indemnity you can get with a membership, the benefits that come with AAA indemnity coverage, the company ’ sulfur customer service rankings, and more .

What Types of Car Insurance Can You Get from AAA?

american samoa long as you are a member and pay your fees on time, you can access many benefits. many AAA clubs provide and sell insurance through respective insurance party underwriters. so, based on your location, you may find extra discounts, coverage, and benefits .
AAA, like early insurers, will offer you the most common insurance coverage :

  • liability
  • collision
  • comprehensive examination
  • Uninsured and underinsured motorist
  • personal injury protective covering
  • medical payments

Some coverage and benefits are limited to certain areas. sometimes you will find them in a standard policy or will be able to add them for an supernumerary fee :

  • GAP policy
  • rental cable car reimbursement coverage
  • lease car coverage
  • Non-owners policy
  • Accident forgiveness
  • Pet coverage if in a car accident

Digital Proof of AAA Car Insurance

Insurance card on smartphone

By using the AAA fluid app, you can get some insurance-related features. For case, you can provide digital proof of policy through the app if you get pulled over or are involved in an accident. There are even some locations where you can get an policy quote or pay your bill with the app .

Benefits of AAA Membership 

Depending on the affiliate of AAA, members can get specific car policy discounts, including :

  • Safe Driver Discount: dependable drivers can save a meaning 20 % on their premiums .
  • Student Away at School Discount: If you have a child going to college at least 100 miles away, you can expect a 46.7 % discount. however, this discount only applies if they do not keep a vehicle at school .
  • Discount for Professionals: Certain professionals can expect an extra 7.4 % discount rate on their cable car policy .
  • Multiple-Car Discount: You can save as much as 27.3% if you get car insurance for two vehicles or more through AAA.  You can save adenine much as 27.3 % if you get car indemnity for two vehicles or more through AAA .
  • Loyalty Discount: Customers who decide to stay with AAA after a class will receive a 5.6 % discount rate .
  • Verified Mileage Discount: Customers uncoerced to allow AAA to read their odometer can save ampere much as 19.1 %. The extent of the batch they get will depend on their mileage bracket .
  • Driver Training Discount: If you complete a class on safe force, you can get a discount of about 5 % .

You can besides get the surveil discounts at some affiliates : membership, education, occupation, anti-theft device, paperless bill pay, multiple-policy, newly car, homeowners, and the ability to pay the premium in full .
Any AAA affiliate discounts will differ depending on the state where you live. Therefore, be certain to check your local anesthetic AAA club to check the claim deals available to you. besides, it ’ sulfur important to note that your location will besides impact who underwrites your policy policy. A third-party company not connected to AAA may underwrite the policy in some cases .

What are AAA’s Car Insurance Costs?

Becoming a abdominal aortic aneurysm member is required if you ’ rhenium matter to in car indemnity. The AAA Classic/Basic membership will cost you $ 40- $ 74 per year, depending on where you live. AAA Plus will cost you around $ 60- $ 124 per class, and AAA Premier goes for $ 77- $ 164 per year. Benefits increase depending on the charge of membership you select .
Dangerous driving in bad weather T

he monetary value of AAA car policy varies depending on your state, so you need to check with your local AAA branch to get the specifics. When you calculate the overall annual price, make certain to add the membership fee to your budget .
According to The Zebra, AAA costs an average of $ 151 per calendar month .
besides, keep in mind that every insurance ship’s company calculates indemnity premiums on a individual basis. Insurers consider factors like age, sex, geographic location, and driving and accredit histories. Let ’ s take a closer look at some of the factors affecting cable car insurance .

Will How Much I Drive Impact My Quote? 

Car odometer showing mileage Yes, your quotation will be affected by mileage per year. While it is challenging to get countrywide numbers for AAA as it is an umbrella for 26 independent car clubs, let ’ s look at the numbers for AAA Northern California, Nevada, and Utah .
Using data Kelley Blue Book obtained from Savvy, if you drive your vehicle up to 3,000 miles per year, you ’ ll pay an average of $ 168.15 every calendar month. But if you drive between 15,000 to 20,000 miles annually, your monthly rate jumps to $ 427.02. Driving your vehicle more miles will affect your car indemnity rate. As mentioned above, AAA provides up to a 19 % rebate if drivers allow the insurance company to check annual car mileage .
grok collects data from consumers ’ current policies, including rate information, old age, marital status, and other demographics. See more about Savvy ’ s methodology .

Driving History

Your driving history is one of the most significant factors AAA will consider when formulating your quotation mark. Take a look at ’ s data in the table below .

Age Clean Driving Record Poor Driving Record
21 $ 310/month $ 480/month
30 $ 217/month $ 334/month
42 $ 186/month $ 289/month

source :
People putting seatbelts on As a consequence of a poor drive record, you can expect to pay at least $ 100 more every month. therefore, regardless of old age, a 21-year-old with a clean drive commemorate can expect to pay $ 310 on average a calendar month. however, if the driver has a poor people drive history, their pace will go improving to $ 480 a calendar month .
so, what qualifies person as having a bad driving history ? policy companies most frequently consider two things : DUIs and at-fault car accidents .


A recent government report reports that one-third of all deaths involve DUI drivers. A DUI citation is a dangerous offense. You can expect your agio to go up after you get one, no matter which insurance company you choose. The penetrate course is that if you get a DUI, insurers will consider you a riskier driver .
The average annual punishment following a DUI is 65 %. Though it is difficult to get demand countrywide numbers for AAA, we can look at the numbers for California. According to The Zebra, following a DUI citation, drivers can expect an policy increase of $ 1,086 annually on average. Therefore, while driving under the charm is never a good mind, it ’ s besides not good on the wallet .

Car Accidents

Insurers do not take lightly to at-fault accidents. The Zebra says that the median penalty drivers can expect is $ 767 per year. Keep in mind that your annually rate will increase for up to five years after your accident .

Credit Rating

Credit history will significantly impact the quote you receive from any insurance company. Although the practice is unlawful in California, Massachusetts, Hawaii, and Michigan, most insurers in all other states take your credit history into account for cable car policy .
According to a study by The Zebra, a poor accredit sexual conquest can skyrocket your premium by ampere much as 115 % .

What are AAA’s Customer Satisfaction Rates? 

Woman filling out insurance customer service survey ranked one of AAA’s independent affiliates — The Auto Club of Southern California Insurance Group — as No. 3 overall with above-average satisfaction with a score of 897. That’s ahead of the industry average of 880. The study looked at 7,345 auto insurance customers settling claims.
J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study ranked one of AAA’s independent affiliates — The Auto Club of Southern California Insurance Group — as No. 3 overall with above-average satisfaction with a score of 897. That’s ahead of the industry average of 880. The study looked at 7,345 auto insurance customers settling claims. On the early hand, another AAA affiliate, Automobile Club Group, ranked below average in satisfaction with a score of 863 .
According to the National Association of Insurance Commissioners ’ National Complaint Index, here ’ s a look at consumer complaints to three of the affiliates in the latest data from 2020. The index is always at 1, meaning that any company with a complaint index of 2 is doubly ampere high as expected .

  • Auto Club Insurance Association – 1.85
  • Auto Club Group Insurance Company – 1.79
  • Auto Club South Insurance Company – 0

While NAIC reported in its index that the Auto Club South Insurance Company showed no customer complaints, the Auto Club Insurance Association and Auto Club Group Insurance Company came in with above-average complaints .
The data emphasize how abdominal aortic aneurysm car club performance can vary depending on localization .

Company Overview for AAA

Founded in 1902, AAA was a initiate in launching different driver safety programs. Its first base plan with a school condom patrol opened in 1920, which was just the beginning of its engagement in dealings condom. Later, in 1947, the organization set up the AAA Foundation for Traffic Safety. In 1998, about a hundred after its initiation, AAA was named the number one traffic condom spouse of President Clinton ’ s government .
AAA Historic photo

The company immediately provides coverage to members, including abdominal aortic aneurysm car. AAA caters to 60 million members across the U.S. and Canada .
AAA ’ s fiscal persuasiveness is excellent, with its indemnity agencies receiving ratings ranging from A+ ( superior ) to A- ( excellent ) from A.M. Best .

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