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AAA Insurance review and summary (updated for 2021)

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3.5 Rating from The Zebra

More popularly known for its roadside assistance program and membership perks, theAmerican Automobile Association(AAA) is also an insurance company that operates 51 independent motor clubs across the U.S. The organization was founded in Chicago in 1902 during the early days of the automobile. AAA has expanded over the years, branching out to offer a number of insurance products. Customers and members can take comfort in AAA's widespread availability and its strong reputation. AAA offices are located across the United States to cater to members' needs. 

AAA Insurance is technically a collection of similarly branded products sold by regional AAA organizations. In order to qualify for AAA auto insurance, it's likely you'll have to be a dues-paying member. Along with potential insurance discounts, AAA membership comes with a variety of different perks, including identity theft protection, credit card benefits and discounts on hotels, car rentals and vacation packages. 

If you’re not interested in all the membership benefits of AAA, the company's insurance coverage options probably won't convince you. Still, AAA offers some interesting options and competitive pricing. Let’s break down AAA's auto and home insurance policy options and membership benefits to see if the company is a good fit for you.


AAA Insurance review — table of contents
  1. AAA Insurance bundling options
  2. AAA Insurance auto insurance review
  3. AAA Insurance homeowners insurance review
  4. How to cancel AAA Insurance
  5. Online features
  6. AAA Insurance carrier comparison



AAA auto insurance review

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3.0 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.

  • Customer Service (J.D. Power) — Below average:J.D. Power gave AAA a below-average customer service satisfaction score in its 2020 claims satisfaction study.
  • Financial Strength (AM Best) — Superior: With an A+ rating from AM Best, AAA is considered financially secure.
  • Claims Satisfaction (NAIC) Below average:The National Association of Insurance Commissioners (NAIC) registered more consumer complaints than the national median regarding AAA in 2019.


Where is AAA auto insurance available?

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


Is AAA car insurance right for you?

Good for:
Bad for:
  • AAA members
  • Those looking to bundle home and auto
  • Those who want specialty or more robust coverage options
  • Those with a number of violations on their driving record


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 atotal loss within the first full year of coverage, AAA will replace it with a new car. Learn morehere 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 asgap 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

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



Due to the nature of being a member of AAA, there are a number of discounts available for qualifying customers. Have a look at the ways in which you can save below.

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

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. 


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


Rates by age group

AAA vs. Competitors by Age Group.png
Insurance CompanyTeens20s30s40s50s60s


Rates by violation

AAA vs. Competitors by Violation.png
Insurance CompanySpeeding TicketAt-Fault AccidentDUI


Where is AAA auto insurance cheapest?

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

StateMonthly Premium


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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
  • Business
  • Motorcycle
  • International Travel Medical
  • Wedding Insurance
  • Boat
  • Medicare supplement



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. Similarly 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. For our homeowners ratings, we've combined ratings from these two companies in an effort to give an idea of what a AAA homeowners insurance policyholder can expect.

  • 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 homeowners insurance availability

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


Is AAA home insurance good for me?

Good for:
Bad for:
  • AAA members seeking to bundle coverage options
  • Those looking for lower rates
  • Those looking for AAA membership perks
  • Those who want specialty or more robust coverage options
  • Those who don't want to bundle car and home insurance
  • Those who aren't interested in membership benefits


AAA home insurance coverage options

Home policies are provided through affiliated insurance companies, meaning that 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 peril’s 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, windstorm, or 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:Going 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
Liberty Mutual$133


Where is AAA homeowners insurance cheapest?

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

StateMonthly Premium
North Dakota$72
South Carolina$104
South Dakota$80


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How to cancel AAA Insurance

To cancel your AAA Insurance 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, 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



AAA Insurance vs. competitors


Learn more about AAA's insurance offerings at

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, 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: