AAA Insurance Review

AAA earned an overall score of 3.75/5 in The Zebra's review. Read more below to find out if they're the right carrier for you.

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AAA insurance at a glance

Pro Con
  • Top ranked AAA membership perks
  • High ratings from young drivers
  • Below average Zebra customer ratings
  • Simple coverage options

AAA auto insurance review

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3 Rating from The Zebra Question mark icon

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.

  • 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 2021 claims satisfaction study.
  • Customer satisfaction (J.D. Power) — Average: J.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 Detail Classic Membership Plus Membership Premier Membership
Jumpstart Included Included Included
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
Trip interruption Not included Not 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 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

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. AAA is represented as Auto Club in the following tables.

Cost of AAA vs. Competitors
Company Avg. Monthly Premium
Allstate $201
Auto Club $158
Farmers $149
GEICO $129
Nationwide $123
Progressive $157
State Farm $131
Updated: 03/23/23.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.

Average cost of AAA by Age Group
Age Group Avg. Monthly Premium
Teens $462
20s $216
30s $156
40s $154
50s $151
60s $147
Updated: 03/23/23.
Cost of AAA by Violations
Accident/Violation Avg. Monthly Premium
DUI $315
At-fault accident - greater than $2000 $239
Speeding 16 - 20 MPH over limit $208
Updated: 03/23/23.

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. 

Weigh your options and get the best value from your next insurance policy.

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AAA homeowners insurance review

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4.0 Rating from The Zebra Question mark icon

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.

  • 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.
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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 availability

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


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. 

Cost of AAA Home Insurance vs. Competitors
Company Avg. Monthly Premium
Allstate $130
Auto Club $64
Farmers $156
Nationwide $103
State Farm $124
Updated: 03/23/23.

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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

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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 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.