AAA Auto Insurance: Is AAA right for me?

You’ve probably heard of AAA and their popular roadside assistance programs, but did you know they offer car insurance too? See how they stack up to the industry’s best.

At a Glance

AAA Insurance

Headquarters: Heathrow, Florida

Founded: 1902

Employees: 40,000+

Offices: 1,100+

Revenue: Not-for-profit

Key People: William A. Mekrut (Chairman of the Board of Directors)

Website: www.aaa.com

Phone: 1-800-222-4357 (1-800-AAA-HELP)

Overview

Founded in 1902, the American Automobile Association -- also known as AAA or “Triple-A” -- is a privately-held, not-for-profit national member association and service organization.

AAA was originally formed by nine motor clubs in Chicago, Illinois, in response to a lack of roads and highways suitable for automobiles. It has now expanded to include 42 individual clubs and over 60 million members in both the United States and Canada.

The company offers members-only services, such as its famous roadside assistance program, for an annual fee. Clubs also hand out road maps and travel publications, and even rate restaurants and hotels through the AAA Diamond Program.

Though AAA’s auto insurance policies are not as well-known as its emergency road services, AAA does offer automobile insurance to members, with perks such as extensive discounts, competitive rates, and legendary service. Now considered a household name, AAA has also committed itself to supporting motorists’ rights and advocating for the environment.

Despite its global reach and impressive history, you may be asking yourself, “Should I insure my vehicle with AAA?” Read on to find out if AAA is the right auto insurance company for you.

AAA Auto Insurance Reviews

Review Platform Rating
Clearsurance 4.1/5 – 2,883 reviews
BBB A+
JD Power 3.3/5
Glassdoor 3.1/5 – 1,500 reviews

Overall, AAA received average to above-average scores on many of the major consumer satisfaction surveys and studies. The Better Business Bureau rates it as an accredited, A+ business, and plenty of other reviews echoed this excellence.

Clearsurance took the average score from 2,883 reviews and gave AAA an above-average score of 4.1 out of 5. This puts it ahead of many other auto insurance carriers in the industry.

JD Power’s 2020 survey ranked AAA as slightly above-average, with a score of 3.3/5, which was an aggregate score from the three largest AAA affiliates in the country.

Glassdoor, which is a leading online review resource, rated AAA as average, giving it an average score of 3.1 out of 5.

Most customer complaints had to do with AAA’s roadside assistance service and its lack of timeliness in emergency situations, which doesn’t directly relate to AAA’s auto insurance services. However, some customers did mention AAA’s rise in premium costs over the years, which have gone unexplained by the company.

In general, AAA has solid ratings from the majority of customer satisfaction surveys and studies. When you look at the numbers, AAA consistently meets, or exceeds, the scores of other top auto insurance carriers in the United States.

How much does AAA cost?

Now that you know more about AAA as a company and what customers have to say, you’re probably ready to move forward in considering AAA as a potential auto insurer for you.

But before you make any decisions, you likely want to know how much AAA costs. Is it financially feasible for you to insure your car, truck or SUV with AAA? Keep in mind that insurance companies consider a variety of factors when calculating your insurance rate, such as coverage levels, driving record, age, gender, marital status, and more.

One important note: because AAA auto insurance is offered to AAA members only, you must first become a member of AAA before you are eligible to receive an auto insurance policy. AAA memberships cost anywhere between $50 to $130, depending on the level of membership you choose to purchase. The Basic Membership costs about $50-$70 a year, the Plus Membership typically costs $80-$100 a year, and the Premier Membership usually costs around $100-$150 a year. It also typically costs between $30 and $65 to add a family member to your AAA membership.

The cost varies depending on where you live, so it’s best to check with your local AAA branch if you’re curious about membership. When calculating the overall cost to you, make sure you add this annual membership fee to your yearly total.

Take a look at the breakdown below to determine if AAA auto insurance fits into your budget.

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

Here’s a look at how AAA measures up against some other top auto insurance carriers.

Insurer AAA GEICO State Farm Allstate
Average Annual Premium $3,322 $3,546 $3,925 $4,949

Remember that your own rates will vary greatly depending on your driver profile. That’s why it’s essential that you compare rates from as many insurance companies as possible.

Want to know exactly how AAA auto insurance compares to over 60 of the country’s top carriers? Simply enter your zip code below to uncover your personalized rates and comparisons.

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How much can I save with AAA?

Luckily, AAA provides members with a huge range of discounts, far more than most auto insurance companies. You can earn discounts for having a new car; holding multiple policies with AAA; paying your bills online, in full, or on time; being a AAA member for any period of time; switching to AAA from another insurance provider; and even adding a young driver to your auto insurance policy!

If you want to know more about AAA’s extensive discount offerings, check out the list of discounts below and see which ones you qualify for.

Discount Savings
Multi-policy discounts Use AAA for your other insurance needs (such as home, condo, or renters insurance) to save more money each month
Multi-vehicle discounts Save up to 20% on select coverage when you insure two or more automobiles
Group Affinity discount As a member of at least one approved group or association, you can save 10%
Advance Purchase discount Save 5% with the purchase of a AAA auto policy seven or more days before your current policy’s expiration date
Longevity discount If you’ve had at least three years of continuous automobile insurance with your current carrier, you can save up to 34% on select coverage
AAA Membership discount As a AAA member, save up to 10% on select coverage
Verified mileage discount Save up to 12% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested
AAA OnBoard Activation discount Save up to 10% per qualified vehicle upon activation of AAA OnBoard
AAA OnBoard Driving Score discount Save up to 20% at your next renewal, depending on your driving score
Original Owner discount If you are the original owner of the insured vehicle, save up to 5%
Anti-theft device discount Save up to 25% on comprehensive coverage
Student Away discount If your driver-age student is away at school 100+ miles from home without a vehicle, you’re eligible to save up to 10% on select coverage
Good Student discount As a good student, you can save up to 15% on select coverage
Driver Training discount Upon completion of an approved driving training course, save up to 10% on select coverage
Defensive Driving discount Save up to 10% upon completion of an approved defensive driving course

Where does AAA offer coverage?

AAA offers auto insurance in all 50 states and the District of Columbia, but don’t forget that policies are only available to AAA members. Because AAA is regionally operated, coverage options and add-ons vary from location to location, so it can be a bit difficult to determine if you can get a policy in your hometown.

If you’d like to avoid the hassle of tracking down an agent, simply enter your ZIP code below and compare quotes from the top insurance companies in the U.S. in just minutes!

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Is AAA right for me?

Now that you have an idea of how much AAA costs, as well as what discounts you might be eligible for, the only question remaining is, “Is AAA the right insurance carrier for me?”

Well, whether or not you decide to choose AAA will ultimately depend on a few factors. Think about what you need from your insurance, what kind of coverage or special services you might be interested in, and how much you want to pay for your insurance premium.

If you fall into any of the categories below, AAA is likely a great option for you and your individual needs:

  • You like the idea of being a AAA member and having access to emergency roadside services, savings when purchasing a new vehicle, savings on car repairs, and many other travel and entertainment discounts, as well as in-branch amenities, such as passport photos, document notary services, and access to AAA travel agents.
  • You don’t mind accessing your account and information online, and know you’ll use service calls sparingly, as AAA only allows members four service calls per year.
  • You are intrigued by AAA OnBoard Program, a usage-based discount program that rewards you for good driving.
  • You’re looking for competitive rates, comprehensive coverage options, and the added benefit of roadside assistance, all from the nation’s leading automobile association.

If you don’t see yourself in any of the categories listed above, and you’re still looking for a car insurance policy that is best matched to you and your lifestyle, try comparing quotes from more than 60 of the country’s top providers -- with the click of a button! Simply enter your ZIP code.

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What else does AAA offer?

If your insurance needs go beyond car insurance, AAA might be a great fit for you. AAA offers a variety of insurance types to match what you’re looking for, and there are discounts available for those who choose to bundle certain insurance policies through AAA. Check out the list below for a comprehensive look at the many policies offered by AAA.

Auto & Vehicle

Property

  • Home
  • Renters
  • Condo
  • Earthquake
  • Flood

Other Insurance

  • Term Life
  • Whole Life
  • Universal Life
  • Small business
  • Identity Theft
  • Pet
  • Travel
  • Wedding & Event
  • Umbrella
  • Excess liability

AAA FAQs

  • How do I file a claim with AAA?

If you’re in an accident and you’re a AAA customer, you’ll need to contact AAA at their 24/7 claims call center by dialing 1-866-222-2378 to file a claim. Once you’ve started the claims process, you can then either choose to contact your claims representative by phone or track your claim online.

  • How does AAA’s claims process work?

A claims representative will assist you through the entire claims process on behalf of AAA. The first step is that AAA will gather facts of the accident to determine responsibility. Then, your claims representative will explain coverage and benefits of your police, as they pertain to your claim. Next, AAA will arrange repairs and a rental car, if covered by your policy. AAA will also coordinate a tow if your vehicle is not drivable. These are the key steps outlined by AAA in their claims process, but it’s worth noting that because AAA operates in multiple states, their claims processes differ by location.

  • How do I cancel my AAA policy?

You must contact your AAA agent directly or call customer service at 1-877-387-8378 to cancel your policy. The cancellation can be arranged for a date in the future or set to take effect immediately. You’ll need your name, policy number, and the date you want your policy to end at the ready before contacting AAA to cancel.

  • Does AAA offer coverage in my state?

Yes, AAA offers coverage in all 50 states.

  • Does AAA have a mobile app?

Yes, AAA offers a mobile app available for download on both the Google Play and Apple App store. Once you’ve downloaded the app, you can instantly access your insurance ID cards on-the-go, as well as manage your account information and policies.

  • Does AAA have Spanish offerings?

Yes, AAA offers coverage and customer service to Spanish-speaking customers. When you’re searching for a AAA representative, seek out an agent who is fluent in the language of your choice.

AAA in the community

AAA has long been a proud supporter of communities throughout the nation, and even classifies itself as a “service organization.” Many of these efforts have materialized through AAA’s environmental awareness and sustainability programs. One example is AAA’s popular ecotourism project called Freedom’s Way.

Founded in 1992, AAA produces travel tips and public service messages that motivate travelers to assist in protecting America’s scenic areas and respecting the environment. This movement has received support from agencies such as the National Park Service, U.S. Fish and Wildlife Service, Environmental Protection Agency (EPA), and many more.

Another example is AAA’s Great Battery Roundup, which began in 2001 as an attempt to reduce the negative impact that discarded batteries, tires, and automotive fluids have on the environment. Since then, more than 4 million batteries have been recycled through the Great Battery Roundup and the mobile battery program. Typically holding events around Earth Day, AAA clubs team up with other organizations such as the EPA and the Nature Conservancy to expand their recycling efforts.

You may know AAA from…

AAA logo:

You’ve probably seen AAA’s famous logo, which depicts three red A’s inside of a red oval, backed by another, blue oval. Since AAA reviews and rates hotels and restaurants, publishes travel books and maps, and offers multiple other services, chances are that you’ve heard of or seen mention of AAA, even if it wasn’t in reference to auto insurance.

AAA on Social Media

AAA can be found on most of the popular social media channels, including Facebook, Twitter, Instagram, LinkedIn, YouTube and more.

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