AAA Insurance Review (2025)
- Overall rating: good (3.9/5 stars)
- Average cost: $1,134 for a 6-month policy
- 91.5% of customers recommend AAA
Read more below to get a quote directly from AAA.
AAA Insurance: A good choice for most shoppers
AAA earns a good rating from The Zebra thanks to its wide range of discounts, member perks, strong digital tools, and lower-than-average prices for a company its size.
Survey responses from our customers generally back that up. While feedback on customer service is mixed, AAA’s affordable rates and broad availability help balance things out.
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Mobile functionality: Manage claims, payments, and documents from your phone.
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Digital documents: Access policy documents and ID cards anytime from any device.
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Integrated platform: Connects with payment apps and devices for added convenience.
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Lack of knowledge: Poorly trained staff provide conflicting answers and require multiple contacts.
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Delayed processing: Slow processing delays reimbursement when you need funds.
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Wait times: Long wait times delay urgent issues and create frustration.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is AAA car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas AAA is about $1,134.
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| AAA | $478 | $1,134 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how AAA stacks up against competitors →
Discounts offered at AAA: more options than competitors
AAA stands out with its extensive list of available discounts. Along with the common options you'll find elsewhere— such as multi-policy, continuous insurance, and homeowner discounts— AAA also offers unique opportunities to help customers lower their premiums.
If you pay for your membership fees and premium seven or more days before your current policy’s expiration date, you can save 5%.
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.
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.
| Membership Discount | Bundling Discount |
| Multi-Car Policy Discount | Good Driving Discount |
| Good Student Discount | Mature Driver Discount |
| Anti-Theft Discount |
To learn more about each discount AAA has to offer, see their discounts page.
Compare with other companies
See how AAA stacks up against similar companies
Cost: $1,134 for a six month policy
Customer satisfaction: High
Our take:
- Strong claims satisfaction
- Useful digital tools
- High trust and reliability scores
Cost: $954 for a six month auto policy
Customer satisfaction: High
Our take:
- Cheaper prices than AAA
- Better customer service scores than AAA
- Worse claims experience than AAA
Cost: $1,086 average cost for a six-month policy
Customer satisfaction: High
Our take:
- 2nd most popular auto insurance provider
- Worse claims satisfaction than AAA
- Robust and wide ranges of coverage options
AAA's customer service & claims experience: A mixed bag
AAA's customer service varies widely depending on the issue. While routine tasks like managing your policy or handling claims are easy and efficient through their digital platforms, dealing with disputes or complex claims can be more time-consuming.
Thinking about AAA?
See what other drivers are asking
Should I get my own insurance or stay on my parents' AAA policy?
Can I get a refund if I was double insured?
How do I dispute a driving record with AAA?
Can I get AAA roadside assistance if I don't have insurance with them?
AAA Customer Survey results
91.5% of customers recommend AAA
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how AAA was rated in individual categories by expanding the section below.
How much will your rates climb after filing a claim with AAA?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,056 |
| One comp claim | $1,374 |
| Two comp claims | $1,662 |
| At-fault accident - greater than $2000 | $1,852 |
| At-fault accident - $1000-$2000 | $1,852 |
Source: The Zebra
AAA's claims process is accessible online and via their mobile app, making it convenient for policyholders. While simple claims are often resolved quickly, more complex cases can lead to longer wait times. Customer satisfaction surveys consistently place AAA in the middle tier, indicating they offer reliable service but may struggle with handling complicated claims efficiently.
Coverage options: Flexible and customizable
AAA has standard coverage like comprehensive, collision, liability, medical payments and uninsured/underinsured motorist, AAA allows its customers to tailor their policies to meet their needs.
AAA also offers optional add-ons and member perks, though availability can vary by state. Below are some of the unique coverage options you might find.
Final thoughts: Is AAA right for you?
AAA offers a solid balance of competitive pricing and a robust selection of coverage options for those who want to customize their policies. However, the company's claims process has been reported as slow for complex issues, with long wait times. For drivers who prioritize personalized coverage and value-added perks over speedier claims, AAA can still be a strong fit.
Frequently Asked Questions about AAA
Get quotes from AAA and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.