AAA insurance at a glance

ProsCons
  • AAA has a number of bundling options, including home, auto, life and pet insurance
  • AAA membership includes a number of additional benefits
  • Relatively high consumer trust ranking, especially among younger drivers
  • Lots of discount opportunities
  • AAA's overall customer satisfaction scores were among the lowest in The Zebra's Customer Satisfaction Survey
  • Customers looking for robust or specialty coverage may want to look elsewhere

AAA auto insurance review

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3 Rating from The Zebra

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.). Below you'll find average rates as well as some of AAA’s more unique car insurance coverage options for motorists.


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  • The Zebra Customer Satisfaction Survey — 4.2/5: AAA ranked 13th out of 15 in the overall auto carrier category of The Zebra Customer Satisfaction Survey. 
  • Claims satisfaction (J.D. Power) — Below average: AAA earned below-average marks from J.D. Power in the organization's 2020 claims satisfaction study.
  • Customer satisfaction (J.D. Power) — AverageJ.D. Power gave AAA an average customer service satisfaction score in its 2021 study.
  • Financial strength (AM Best) — Superior: With an A+ rating from AM Best, AAA is considered financially secure.
  • Claims satisfaction (NAIC) PoorThe National Association of Insurance Commissioners (NAIC) registered more consumer complaints than the national median regarding AAA.

  • The Zebra Customer Satisfaction Survey — 4.2/5: AAA ranked 13th out of 15 in the overall auto carrier category of The Zebra Customer Satisfaction Survey. 
  • Claims satisfaction (J.D. Power) — Below average: AAA earned below-average marks from J.D. Power in the organization's 2020 claims satisfaction study.
  • Customer satisfaction (J.D. Power) — AverageJ.D. Power gave AAA an average customer service satisfaction score in its 2021 study.
  • Financial strength (AM Best) — Superior: With an A+ rating from AM Best, AAA is considered financially secure.
  • Claims satisfaction (NAIC) PoorThe National Association of Insurance Commissioners (NAIC) registered more consumer complaints than the national median regarding AAA.

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Where is AAA auto insurance available?

AAA auto insurance is available in all 50 states and Washington D.C. 

 


 

AAA car insurance coverage options

AAA auto insurance offers standard coverage options you would expect from a car insurance carrier, including liability coverage (both bodily injury and property damage), comprehensive and collision and uninsured/underinsured coverage. However, the company also offers a number of other endorsements that can be added to your coverage, as well as a number of benefits from being a AAA member. Below, you'll find a variety of unique options offered by AAA, though keep in mind that some options may not be available in every state.

  • 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 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 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

JumpstartIncludedIncludedIncluded
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 interruptionNot includedNot included

Included up to $1,500

Learn more about how AAA's roadside program compares with other providers.

 

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 car insurance discounts

 

Due to the nature AAA membership, a number of discounts exist for qualifying customers. Review common ways to save below.

  • Multi-policy discount: If you combine (or bundle) your auto AAA auto policy with a renters, homeowners, condo or life insurance policy, you can earn 9% to 22% off your insurance policy.
  • Multi-vehicle: 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 save 5%.
  • Longevity: 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.
AAA telematics

AAA OnBoard

OnBoard is AAA’s telematics program. It measures the way you drive via a mobile app in order to determine your premium. Telematics programs use your actual driving habits — including the distance, speed and ways in which you drive — to calculate the risk that you pose to an insurer.

For cautious drivers, this can often lead to reduced rates, as your insurance company can monitor your driving habits and may choose to reward safe behaviors.

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AAA car insurance rates

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.

Rates by company

AAA Auto Insurance vs. Competitors.png
Insurance CompanyAverage Monthly Cost
AAA$151
GEICO$100
Allstate$169
Nationwide$119


Rates by age group

AAA vs. Competitors by Age Group.png
Insurance CompanyTeens20s30s40s50s60s
AAA$412$201$152$120$143$143
GEICO$279$125$101$97$91$91
Allstate$536$212$168$165$153$153
Nationwide$370$158$117$113$103$106


Rates by violation

AAA vs. Competitors by Violation.png
Insurance CompanySpeeding TicketAt-Fault AccidentDUI
AAA$271$260$434
GEICO$132$167$221
Allstate$194$251$303
Nationwide$144$181$258

 

Where is AAA auto insurance cheapest?

AAA ranks as one of the more affordable car insurance companies in these five states.

StateMonthly Premium
California$145
Michigan$183
Indiana$85
Minnesota$90
Utah$92

 


AAA insurance bundling options

AAA offers a variety of coverage types to consumers. The company offers the opportunity to bundle many of these coverages, allowing you to both save money and simplify your insurance payments. Keep in mind that membership may be required in order to obtain some forms of coverage. Have a look at this list of coverage options to what's available from AAA. 

 

Coverages offered by AAA insurance

Insurance type
 

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AAA homeowners insurance review

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4.0 Rating from The Zebra

Along with auto insurance, AAA homeowners insurance is also quite popular. Similar to their auto insurance product, AAA provides homeowners coverage by partnering with a number of carriers. These companies vary by state but include such carriers as Auto Club Indemnity Company and CSAA. To rate AAA's homeowners insurance product, we combined ratings from these two companies in an effort to give an idea of what a AAA homeowners insurance policyholder can expect.

 

AAA homeowners insurance availability

AAA homeowners insurance is available in 49 states and Washington D.C. (homeowners and renters policies are not available in Louisiana).

  • The Zebra Customer Satisfaction Survey — 4.2/5: AAA ranked 14th in the overall homeowners carrier category of The Zebra Customer Satisfaction Survey.
  • Customer Service (J.D. Power)Below Average: The average J.D. Power ranking of CSAA and Auto Club of Southern California Insurance group comes in just shy of the average for customer satisfaction. 
  • Financial Strength (AM Best)Excellent: With a financial rating of “excellent,” you can rest assured AAA will be able to handle your claims.
  • Claims Satisfaction (NAIC) — Fewer complaints than average: The average number of complaints across different branches of AAA homeowners insurance companies is fewer than average.

AAA home insurance coverage options

Home policies are provided through affiliated insurance companies, meaning coverage options can vary by state. In general, homeowners policies through AAA will include standard coverage options such as dwelling, other structures, personal property, liability, medical payments and additional living expenses. Policies are roughly equatable to an HO-3 in perils covered; however, bear in mind that this too can vary by state. 

Below you will find a range of possible coverage options that can be added to a AAA homeowners policy.

  • Roof surfaces loss settlement: As a way of saving money on your home insurance premiums, this optional roof coverage endorsement instead pays only a percentage of the cost to replace your roof if it is damaged by hail, a windstorm or a hurricane. This percentage is determined by the age of the materials used on your roof.
  • Guaranteed rebuilding cost: If your home is destroyed by a covered peril, this optional coverage steps in to cover the full rebuilding cost.
  • Scheduled personal property: In the case of high-value items such as jewelry, musical instruments or art, a scheduled endorsement can be added to your coverage.

 

AAA homeowners insurance discounts

AAA offers a number of ways to save money on homeowners insurance. While discount availability can vary by state, have a look at some of the most widely available homeowners discounts below. 

  • Claims-free:Being claims-free can save you up to 13% on your policy if you keep a clean claims record for three consecutive years or more.
  • Hail-resistant roof:A roof with a high impact resistance rating can potentially save you up to 35%.
  • Mature homeowner:Up to 10% off when at least one insured is retired and at least 55 years old or more.
  • Newer home:Up to 40% savings depending on the year your home was built.
  • Protective device:Up to a 15% savings with an approved and well-maintained burglar alarm, fire alarm or smoke detector.
  • Renovated home:Up to 23% savings for major overhauls of your home systems.

 

AAA home insurance rates

Below you'll find a rundown of the average cost of AAA versus some top competitors. The rates that follow are broken down to the monthly national average. Your actual rates may vary depending on where you live and on factors such as your claims history, credit score and even your age. 

 

AAA vs. Competitors (home).png
Insurance Company
Average Monthly Cost
AAA$108
Allstate$118
Farmers$161
Liberty Mutual$133
Nationwide$116

 

Where is AAA homeowners insurance cheapest?

AAA homeowners coverage is among the cheapest options in the following states:

StateMonthly Premium
Georgia$70
Michigan$57
Missouri$110
North Dakota$72
Ohio$69
South Carolina$104
South Dakota$80
Tennessee$114

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How to cancel AAA insurance

To cancel your AAA policy, simply stop by your local AAA insurance office or contact a representative at 1-877-387-8378. An agent or a representative can help determine if any early cancellation fees apply or if you are due a refund on already-paid premiums. Be sure that you have a new policy in place before canceling your current coverage.

When canceling your AAA policy, follow these steps:

  1. Provide your policy number and other customer details
  2. Request that your contract and any recurring payments be canceled effectively immediately
  3. Answer any follow-up questions honestly
  4. Request that a confirmation email be sent

 

Can I cancel AAA insurance in the middle of my policy term? 

Yes. AAA insurance policies can be canceled at any time. It's usually best to cancel your policy near the end of its term, but AAA allows customers to cancel at any point. However, before canceling your coverage, it's crucial that you have another policy in place to avoid gaps in your insurance coverage. Start the process of comparing quotes and obtaining a new policy before terminating your AAA coverage. This can help you avoid spikes in your insurance rates or — in the case of auto insurance — penalties from your state's DMV. 


AAA insurance online features 

AAA insurance's online features are designed with the modern consumer in mind. Customers can begin the quotes process, make claims and pay their premiums through AAA's easy-to-follow website. Upon entering the site, you will be required to enter your ZIP code, enabling you to be redirected to the AAA club for your area. 

AAA also has mobile apps. Have a look at our rundown of the features below.

Auto Club

The Auto Club app gives customers mobile access to a number of helpful features, including insurance policy information, insurance quotes, and online bill pay (both for membership and insurance premiums). This app also is required to take part in AAA's telematics program. On top of policy information, the app also contains the following: 

  • Hotel and flight booking
  • Trip planner
  • Traffic conditions
  • Battery replacement quotes
  • Approved auto repair facilities
  • Cheapest gas prices in your area
  • Locations of member branch offices

 

AAA Mobile

This app is primarily designed with AAA members in mind. Having less to do with car insurance coverage, AAA members have access to useful features such as requesting roadside assistance. Have a look at other features for the AAA Mobile app below.

  • Maps
  • Discount information (hotels, restaurants and more)
  • Hotel and rental car booking
  • AAA approved repair facilities
  • Battery replacement quotes
  • A scannable, digital membership card that can be added to Passbook

 


Key customer satisfaction survey findings — AAA

 

Overall takeaways

Auto insurance

The Zebra conducted a survey with the intention of understanding carriers from a customer's perspective. We asked how each major carrier held up in online experience, claims satisfaction, ease of use, customer service, trustworthiness and willingness to recommend. AAA auto insurance ranked near the bottom in most categories, coming in last on several. The exception of this was for trust, in which AAA ranked 5th place. The company fared better among younger drivers (aged 18-24). In short, AAA auto insurance may be a reasonable choice for some customers, but those looking for overall customer service may look elsewhere. 

Homeowners insurance

Among the 15 carriers included in the survey, AAA homeowners insurance ranked quite low across most categories. The exception is claims satisfaction, in which AAA was ranked 6th place. 

AAA survey highlights

Customer satisfaction survey results

Survey highlights

  • AAA ranked 13th for auto insurance and 14th for homeowners insurance
  • The company ranked in the lower third of most categories
  • Younger respondents rated the auto insurance higher than older drivers
  • AAA's best scores came in the "trust" category for both home and auto

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because:

  • We're the first to compare all the major insurance companies side-by-side. The information provided on those insurers here is intended to help inform and educate consumers before they decide where to spend their hard-earned cash.
  • We have no stake in which insurance company you choose — we simply want to offer you unbiased, fast, side-by-side comparisons of your insurance options.
  • The rates you receive — and which companies you see — when comparing quotes via The Zebra's comparison tool are subject to the information you provide, and may not match those displayed on this page.