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AAA Reviews, Coverage Options, and Ratings in 2020

AAA car insurance review: coverage options and ratings for 2020

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3.0 Rating from The Zebra

More popularly known for its roadside assistance program and membership perks, the American Automobile Association (AAA) is also an auto insurance company that operates 51 independent motor clubs throughout the US. In order to qualify for AAA auto insurance, you must be a dues-paying member. Let’s breakdown the car insurance policy options and membership benefits of AAA to assess whether the company is a good fit for you.

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JD Power Rating — 3 out of 5: JD Power gave AAA an average customer service satisfaction score in its 2019 claims satisfaction study.


Financial strength — Superior: With an A+ rating from AM Best, AAA is considered financially secure.


NAIC Rating — Average: The National Association of Insurance Commissioners (NAIC) registered an average number of consumer complaints about AAA in 2019.



JD Power Rating — 3 out of 5: JD Power gave AAA an average customer service satisfaction score in its 2019 claims satisfaction study.


Financial strength — Superior: With an A+ rating from AM Best, AAA is considered financially secure.


NAIC Rating — Average: The National Association of Insurance Commissioners (NAIC) registered an average number of consumer complaints about AAA in 2019.



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AAA car insurance coverage options

Only AAA club members can buy car insurance through AAA. The organization offers each primary tier of car insurance necessary to meet state minimums (liability, collision, comprehensive coverage, etc.). Let’s look at AAA’s more unique car insurance coverage options for motorists.

Accident forgiveness

Depending on your location, this coverage may come standard or be optional. Accident forgiveness through AAA prevents your insurance rates from increasing after your first at-fault accident.

Extended car rental expenses coverage

Most insurance companies offer rental car coverage that will limit the duration for which your rental costs are covered — even if your vehicle's repairs aren't yet complete. AAA's coverage will pay for your rental car until your vehicle is fixed. 

Pet coverage

If your pet is injured in a car accident, AAA will pay up to $500 to cover veterinary bills.

12-month policy

This feature ensures your rate will not change for at least one year.

New vehicle replacement

If your vehicle is deemed a total loss within the first full year of coverage, AAA will replace it with a new car. Learn more here about new car replacement insurance.

Limited loan/lease payoff

AAA will cover the remaining balance of your loan or lease if your vehicle totaled after a covered crash; this may also be known as gap insurance. This may occur if the claims check is for less than the value of the vehicle due to depreciation.


AAA insurance discounts and reward programs 

AAA offers its members and policyholders many benefits and perks. Below are some of AAA's primary features — including its popular roadside assistance program.

AAA roadside assistance

AAA is known for its roadside coverage. You can buy it independently or as an add-on to your insurance policy. AAA's roadside assistance service is sold in tiers, with the highest tier awarding the best benefits.

AAA emergency roadside services

Coverage DetailClassic MembershipPlus Membership

Premier Membership

TowingUp to 7 miles, 4 times a yearUp to 100 miles

One per household up to 200 miles, remaining tows up to 100 miles

Emergency fuel servicesFree delivery, pay for fuelFree delivery and fuel

Free delivery and fuel

Vehicle lockoutCoverage up to $60Coverage up to $100

Coverage up to $150

Flat tire serviceIncludedIncludedIncluded
Extrication/winching serviceOne service per yearTwo servicesTwo services
Trip interruption  

Included up to $1500


Membership benefits

Unlike other insurance providers, AAA offers non-car related membership perks. Like AAA's roadside services, these are delineated by tiers.

AAA non-emergency services

Coverage detailClassic membershipPlus membership
Vehicle registration renewal helpIncludedIncluded
Discounts (shopping, dining, hotels, and entertainment)IncludedIncluded
Identity theft protectionDaily monitoring, email alerts, fraud resolution support, loss card protectionDaily monitoring, email alerts, fraud resolution support, loss card protection
CARFAX vehicle report discount20% off CARFAX20% off CARFAX
Vehicle inspection serviceFree 40-point, or discount 86-pointFree 40-point, or discount 86-point
Rental car benefitsDiscountedDiscounted plus one car-class upgrade


AAA OnBoard

OnBoard is AAA’s telematics program. It measures the way you drive via a mobile app in order to determine your premium. 

Multi-policy discount

If you combine your auto AAA auto policy with a renters, homeowners, condo, or a life insurance policy, you can earn 9-22% off your insurance policy.


Insuring all your vehicles with AAA can earn you 26% off your premium. 

Advanced purchase

If you pay for your membership fees and premium seven or more days before your current policy’s expiration date, you can earn 5% off.


If you’ve been with your current provider for three or more uninterrupted years, you can earn a 12% discount when you switch to AAA.

Paid in full

If you pay the sum of your policy upfront, you can earn a 5% discount.

Original owner

If you’re the original owner of your vehicle, you earn up to 5% off your premium. 

Good student

If you’re a good student, you could save up to 15% on select coverage options.

Driver training

If you pass an approved driving course, AAA may drop your premium by as much as 3% on select coverages.


Additional lines of insurance

AAA offers other lines of insurance in their portfolio of insurance products:


Is AAA car insurance right for you?

Although the company is more commonly known for its comprehensive roadside assistance offering, AAA sells many kinds of insurance to go along with its well-known perks.

AAA membership perks include the following:

  • Identity theft protection
  • Movie tickets
  • Theme parks and vacation packages
  • Credit card benefits
  • Car rentals
  • Hotel and trip deals

AAA offices are located across the United States to cater to members' needs. AAA's pricing structure is slightly different than that of other insurance companies, as clients need to pay membership fees in addition to car insurance premiums.

While your membership fees, located below, are fairly straightforward — car insurance isn't. What AAA will charge you for coverage will vary considerably — by your vehicle, your state, and your driving record. The only way to know is to get a quote today. 

Bear in mind, the only way to make sure you’re getting the best coverage for your money is to shop around. If you’re not interested in all the membership benefits of AAA, enter your zip code below to see insurance quotes from standard insurance providers.

Compare AAA with other companies!

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AAA membership costs
CostClassic MembershipPlus Membership

Premier Membership

Monthly fee$5$7.75$9.75
Six-month fee$30$47$59
Annual fee$60$279$351
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Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.

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