AAA car insurance review: coverage options and ratings for 2020
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.
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.
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.
If your pet is injured in a car accident, AAA will pay up to $500 to cover veterinary bills.
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 Detail||Classic Membership||Plus Membership|
|Towing||Up to 7 miles, 4 times a year||Up to 100 miles|
One per household up to 200 miles, remaining tows up to 100 miles
|Emergency fuel services||Free delivery, pay for fuel||Free delivery and fuel|
Free delivery and fuel
|Vehicle lockout||Coverage up to $60||Coverage up to $100|
Coverage up to $150
|Flat tire service||Included||Included||Included|
|Extrication/winching service||One service per year||Two services||Two services|
Included up to $1500
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 detail||Classic membership||Plus membership|
|Vehicle registration renewal help||Included||Included|
|Discounts (shopping, dining, hotels, and entertainment)||Included||Included|
|Identity theft protection||Daily monitoring, email alerts, fraud resolution support, loss card protection||Daily monitoring, email alerts, fraud resolution support, loss card protection|
|CARFAX vehicle report discount||20% off CARFAX||20% off CARFAX|
|Vehicle inspection service||Free 40-point, or discount 86-point||Free 40-point, or discount 86-point|
|Rental car benefits||Discounted||Discounted plus one car-class upgrade|
OnBoard is AAA’s telematics program. It measures the way you drive via a mobile app in order to determine your premium.
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.
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.
If you’re the original owner of your vehicle, you earn up to 5% off your premium.
If you’re a good student, you could save up to 15% on select coverage options.
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:
- Life insurance
- Home insurance
- Boat and watercraft insurance
- Small business insurance
- Travel insurance
- Renters insurance
- Umbrella insurance
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!
AAA membership costs
|Cost||Classic Membership||Plus Membership|