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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.
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.
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.
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|
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.
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'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.
|Insurance Company||Average Monthly Cost|
|Insurance Company||Speeding Ticket||At-Fault Accident||DUI|
AAA ranks as one of the more affordable car insurance companies in these five states.
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.
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.
AAA homeowners insurance is available in 49 states and Washington D.C. (Homeowners and renters policies are not available in Louisiana).
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.
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.
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.
|Average Monthly Cost|
AAA homeowners coverage is among the cheapest options in the following states:
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:
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'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.
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:
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.
Learn more about AAA's insurance offerings at aaa.com.
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