Advertiser disclosure You ’ re probably already familiar with AAA as a wayside aid company, but did you know that you can get AAA car policy, excessively ? AAA indemnity reviews tell us that covering your vehicle with an car policy may be worth the small wayside aid fee. As a separate of our research into the best car insurance companies in the diligence, we did a little dig into what AAA offers. AAA cable car indemnity members have adept experiences according to AAA reviews and can take advantage of some unique perks.

In this article:

AAA Insurance Overview

abdominal aortic aneurysm started as the American Automobile Association in 1902. The affiliation created maps and hotel guides, arsenic well as senior high school school driving course of study and pedestrian guard programs. today, it operates over 1,000 travel agencies, rates lodgings and restaurants, publishes tour guides, and provides discounts for clubhouse members at thousands of businesses. When we talk about AAA car policy, we ’ ra very talking about over 50 person businesses under the AAA umbrella. Each state can have its own AAA car insurance ship’s company that is collected, and all the companies all operate under the lapp guidelines. however, there may be rebuff differences in coverage options and customer service by state. Most abdominal aortic aneurysm indemnity reviews, for model, are for individual locations preferably than the caller as a solid.

A Closer Look At AAA Auto Insurance

Since AAA is spread out over multiple car policy companies and groups, looking at fair one doesn ’ thyroxine give you the wholly picture. however, three of AAA ’ s car insurance groups appeared on the National Association of Insurance Commissioners ( NAIC ) list of the crown 25 companies by policy premiums written in 2018. here are the stats :

  • Auto Club Enterprises Insurance Group: $3.4 billion in written premiums
  • CSAA Insurance Group: $3 billion in written premiums
  • Automobile Club MI Group: $2 billion in written premiums

If you add these three together, the full amount of indemnity premiums written sits above major players like Nationwide, according to the NAIC. Across all of the AAA ‘s different companies and groups, the indemnity provider received an excellent military rank from AM Best for its fiscal strength, intend that when it comes down to it, AAA is very probably to be able to pay out indemnity claims.

AAA Auto Insurance Coverage

abdominal aortic aneurysm car insurance is available to AAA members, and it doesn ’ metric ton cost much to become a member. You can get a AAA membership for about $ 50 to $ 100 per class. The supplier offers full coverage for cars in agate line with other popular policy companies today. here ’ s what that means :

  • Bodily injury liability (BI)
  • Property damage liability (PD)
  • Collision insurance
  • Comprehensive coverage
  • Medical payments (MedPay)
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist coverage (UM/UIM)

While you can get AAA wayside service in any placement, you can ’ t induce AAA car indemnity in every county. You have to live in a county where AAA sells direct indemnity plans. The easiest way to check on that is to search on-line for coverage in your area.

AAA Plan Enhancements

Your local AAA club may have extra coverage options. For exercise, AAA car indemnity plans through Auto Club South come in three varieties : Essential, Advantage, and Ultimate.

  • Essential: This plan ensures your policy won’t increase for small claims – under $250 if you were at fault, and $750 if you weren’t.
  • Advantage: Tacks on a full claim forgiveness option that kicks in after you’ve been insured with AAA for five years without a claim.
  • Ultimate: You can have one claim forgiven from the start of your plan and get up to $50 as a credit on your renewal each policy term. At this level, your deductible also shrinks by $50 per claim-free policy term.

additionally, you have the option to add these AAA car insurance services :

  • Enhanced total loss replacement: This option expands your collision coverage to pay for a new model car replacement if your car is totaled, instead of the market value of your car.
  • Loan/lease gap: This col policy covers the remainder in price between your totaled car and the sum you have left on your loanword or lease .
  • Enhanced exterior repair: With this option, exterior parts on your car will be replaced with parts from the original manufacturer, not aftermarket parts. This excludes mechanical parts – the only way to get replacement original equipment manufacturer (OEM) mechanical parts is through coverage like the factory Jeep warranty.
  • Transportation Network Company: This provides rideshare insurance for people who use their cars in the gig economy.

Check your local AAA club web site and AAA indemnity reviews from customers in your area to see what might be available to you.

Are There Any Perks To AAA Insurance?

One of the chief perks of AAA car insurance is that you can besides enjoy AAA wayside aid. AAA is a family name in wayside aid, and the ship’s company offers full-bodied coverage. That means you can get your car towed to a automobile mechanic tied if you haven ’ t been in an accident. All AAA roadside aid plans include towing, locksmith services, tire changes, jump-starts, battery charges, fuel delivery, and some trip pause aid. The highest plan, Premier, extends coverage for RVs and trailers. It besides includes a $ 100 reimbursement for a home locksmith, travel accident policy, concierge services, and one day of an hand brake rental car reimbursement.

AAA Insurance Cost And Discounts

Each AAA group that offers car policy coverage sets its own prices. This is because each company operates independently. however, there are several factors that can influence the overall price of your insurance premium, including :

  • Age, gender, and marital status 
  • Vehicle make and model
  • Driving history
  • Driving record 

Our cost inquiry shows that the typical driver pays around $1,732 annually for comprehensive examination coverage. The table below shows annual cost estimates for two abdominal aortic aneurysm member groups. The monetary value estimates are based on a 35-year-old driver with a clean drive record and full credit.

AAA Insurance Group Average Annual Cost Estimate
Auto Club Enterprises Insurance Group $3,017
CSAA Insurance Group $2,449

The cost estimates for the Auto Club Enterprises Insurance Group and CSAA Insurance Group are above the national average for comprehensive coverage. To provide you with a comparison, our team has compiled estimates of modal car policy prices from leading providers.

Car Insurance Provider Average Annual Cost Estimate
USAA $1,013
Erie $1,113
Auto-Owners $1,229
State Farm $1,339
Geico $1,352
Progressive $1,397
Nationwide $1,533
Travelers $1,617
Farmers $2,032
The Hartford $2,166

AAA Auto Insurance Discounts

The AAA Auto Club South claims that users save $ 749 on average by switching to AAA, and AAA indemnity reviews mention big savings excessively. You can look out for the pursue AAA car indemnity discounts :

  • Member discount: You get a discount based on your years with AAA prior to purchasing auto insurance.
  • Safety inspection discount : Get a safety inspection for your car by AAA and receive a dismiss on your indemnity premium .
  • AAADrive/AAA OnBoard discount: This is AAA’s mobile app that tracks your driving habits and issues discounts based on safe driving.
  • Safe driver discount: When you’re a good driver, you can save up to 20 percent on your auto insurance policy. You must complete an approved defensive driver safety course.
  • Multiple car discount: Save up to 27 percent on auto insurance premiums when you insure a second vehicle. It should be noted that only certain coverages are eligible for this discount, and the cars must be regularly driven by policyholders.
  • Multiple policy discount: You can save money when you combine multiple policies with AAA: Bundle auto and home to save up to 15 percent, auto and condo to save up to 11 percent, auto and renters to save up to 3 percent, or home and life to save up to 19 percent.
  • Pay-in-full discount: Earn this discount when you pay your entire 12-month premium upfront. 
  • Going paperless: You can save on AAA auto insurance by simply signing up for paperless billing.
  • Loyalty: Earn up to 5 percent off after one year of continuous auto insurance coverage.
  • Safety features: You can earn this discount for select coverage when you have anti-theft features, motorized seatbelts, airbags, and other safety features.
  • Homeowners: Save up to 37 percent when you own a home.
  • New car discount: Save up to 30 percent when you purchase a car that’s no more than 3 years old.
  • Discount for professionals: AAA offers discounts for drivers in certain professions. Ask your local agent how you can get up to 7 percent off when you’re an engineer, scientist, medical professional, educator, or CPA.

Because AAA is made up of several different car clubs in assorted regions, discounts vary by AAA golf club and localization. Make sure to do your inquiry and contact a local AAA agent near you to get the most accurate list of available discounts.

AAA Auto Insurance Discounts For Students

The AAA good student discount allows students to save up to 14 percentage on blue-ribbon coverage when they earn a GPA of 3.0 or higher. This deduction is for eligible high school or full-time college students. early AAA car policy discounts for students include :

  • Student away or distant student: This discount applies when qualified students on the policy are away at school over 100 miles from home without a car. The policyholder can get up to approximately 47 percent off their rates.
  • Teen driver training: Teen drivers can save around 5 percent when they complete an AAA-approved driver training course successfully.

You can besides qualify for a AAA car policy deduction if you ’ re a extremity of your college or university ’ south alumni association.

Getting A Quote For AAA Auto Insurance

After becoming a penis of AAA ’ s wayside aid program, you can apply for car indemnity either at a local anesthetic agency, by going on-line, or by calling your regional drive club. Since AAA car insurance is made up of distinguish businesses, the on-line quotes summons can vary between locations. We recommend checking out local AAA indemnity reviews to get a better estimate of the serve.

AAA Insurance Reviews

now, this is the part that gets a bit slippery. Since there international relations and security network ’ metric ton good one company, AAA car indemnity reviews are scattered all over the stead. The ship’s company doesn ’ t have much of an on-line bearing on Trustpilot, but it does have an A+ rat from the Better Business Bureau ( BBB ). For chasteness, we ’ ll go over some AAA insurance reviews from three of the supplier ’ second largest clubs : Auto Club of Southern California Insurance Group ( ACSC ), Automobile Club Group, and California State Automobile Association ( CSAA ) Insurance Group.

  ACSC Auto Club Group CSAA
J.D. Power Claims Satisfaction Below industry average Below industry average Below industry average
J.D. Power Customer Experience Above industry average Below industry average Above industry average
BBB Rating A+ A+ A-
BBB Complaints 317 5 237

You can see here that there international relations and security network ’ t an equal distribution of AAA policy reviews or complaints. This might be because people think they have AAA car insurance, and not Auto Club Group indemnity or CSAA indemnity. Each regional clientele has its own web site, so there international relations and security network ’ thyroxine just one place on-line that unifies driver reviews.

Positive AAA Insurance Reviews

“ They take worry of your claim in truth quickly and make certain you have everything you need. This company goes above and beyond for you if they are your insurance carrier. ” – Christina via Trustpilot

“ I guess it truly does matter what agent you get to help you. My [ agent ] is amazing ! I, my syndicate, and friends are wholly quenched with her cultivate ethic and customer service. We can contact her at any time, night or day, and she will respond with an answer to our situation vitamin a soon as potential. ” – samuel B. via BBB

Negative AAA Insurance Reviews

One complaint we saw across BBB pages was AAA reviews directed at the wayside aid service, not car policy.

“ I ‘ve been a penis for 43 years and I have never been treated so ailing as I have been for the past calendar month. All that I wanted to do was to cancel my family and car insurance … rather than cancel the policy, it seems that AAA waits until payment is due and because no requital is made, they lapse the policy and mission you a elapse fee. This is wholly impossible ! ” – erectile dysfunction. H via BBB

Another AAA review on ACSC ’ s BBB page describes lacking information on the web site. The customer wanted to check what their indemnity bounty was on-line, but the web site didn ’ thymine control that information. It besides didn ’ deoxythymidine monophosphate contain a viewable copy of the policy policy. With such a large group of related businesses, it can take a long time for corporate AAA policies to be enacted everywhere. In 2021, you ’ vitamin d expect the insurance company would provide digital copies of policies online, but it might not in certain states.

Our Take On AAA: 4.0 Stars

We rated AAA 4.0 out of 5.0 stars and named it the Best for AAA Members in 2021. Its diverseness of car policy coverage, low prices, and convinced AAA indemnity reviews from customers make it a strong choice for vehicle protection beyond wayside aid. At the end of the day, it seems like your have with AAA may be subject upon where you live, so it ‘s authoritative to look up local AAA car policy recapitulation. Websites, quotation processes, and claims can all differ between AAA companies, so doing your research on your club is crucial. It besides makes feel to check out the provider ‘s car insurance if you ’ re already a AAA wayside aid cardholder.

Pros Cons
Roadside assistance included Only available to AAA members
Excellent financial strength rating and A+ rating from the BBB Coverage and service can vary by location
High customer satisfaction  

Use the cock below or call (888) 262-1572 to collect and compare free car insurance quotes from providers available in your state :

Top Recommendations For Auto Insurance

When searching for a great supplier, we always recommend obtaining quotes from more than one party. The car indemnity providers that topped our list are Geico, Progressive, and USAA. We looked into each company ’ mho coverage options, customer atonement, and fiscal constancy, and the results were impressive.

Geico Insurance: 4.5 Stars

Geico has become a family list over the years – and with good cause. One of the largest policy providers in the state, Geico provides across-the-board resources and great coverage for drivers. The company offers policy discounts for safe drivers and rate decreases for dedicate customers. You can bundle your car and renters/homeowners insurance, and you can find coverage for your lease place, motorcycle, ATV, boat, and more. Learn more in our dispatch Geico car indemnity review.

Progressive Insurance: 4.5 Stars

Another family name, Progressive is known across America for its commercials featuring Flo and the Name Your Price® tool. But the caller ’ randomness success doesn ’ thyroxine barely stem from great advertise. progressive offers considerable coverage and add-ons like custom parts protection and rideshare coverage for Uber and Lyft drivers. The web site gives you side-by-side comparisons of different options so you can find the best car policy for your budget. Read more about coverage in our full Progressive car indemnity review.

USAA Insurance: 5.0 Stars

We think active-duty military and veterans will be very felicitous with the coverage provided by USAA. The supplier has reasonable insurance rates, many opportunities for discounts, and excellent customer servicing. It is the alone insurance company to date that we have ranked 5.0 out of 5.0 stars. USAA has systematically earned senior high school ratings from industry leaders like J.D. Power. unfortunately, coverage is only available to qualifying military service members ( stream or former ) and their class members. For more information, read our fully USAA car policy recapitulation.

FAQ: AAA Car Insurance

How much does AAA consign for car insurance ? Since indemnity requirements differ from state to department of state, getting a consensus on the average prices for a specific provider depends more on location. AAA broadly offers competitive rates for people with high credit scores and scavenge repel records, but coverage is only available to AAA members.
Memberships cost range from $ 40 to $ 120, so that ’ ll factor into whatever you pay for coverage. Is AAA good car insurance ? AAA has an A+ evaluation from the BBB, and the groups it brokers policies with have an excellent rate from AM Best for fiscal lastingness, which means it ’ s a company that is likely to pay insurance claims. In addition to good ratings, AAA offers a wide array of discounts for members to save on car policies, animation policy, and other indemnity products. Is a AAA membership worth it ? Besides access to roadside aid and discounts on car concern, AAA members besides have access to family and cable car indemnity coverage. The company besides provides vacation plan services and travel insurance.


In an effort to provide accurate and unbiased data to consumers, our technical revue team collects data from dozens of car policy providers to formulate rankings of the best insurers. Companies receive a score in each of the comply categories, arsenic well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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