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Last updated: June 7, 2023

AAA Car Insurance Pricing 2024

Learn all the details of AAA insurance costs.

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You may know AAA as a motorist club offering roadside assistance and consumer discounts. But did you know that the company also provides car insurance with low rates and stellar service? On this page, we give you all the information you need to make an informed decision about AAA auto insurance, including rates, discounts, and contact details.

Car Insurance Rates

You have to be a member of an AAA club in order to purchase auto insurance through the company. AAA’s average annual auto insurance premium is $1,903, with estimates ranging from $1,308 to $2,814. The price you pay can vary significantly depending on many factors, including the following:

  • Your location (urban areas tend to be more expensive)
  • Your vehicle (older and poorly maintained vehicles are pricier to insure)
  • Your age (older people get cheaper rates)
  • Your driving history (safe driving reduces what you pay)
  • How much you drive (driving less saves money)

If you are already an AAA member, then adding car insurance through the company can make a lot of sense. You can join online, and various tiers of membership provide different benefits. Here are the costs to join AAA, which vary by ZIP code:

What it includes Basic Plus Premier
Maximum number of roadside assistance calls per year 4 4 4
Distance of roadside assistance calls in miles 3 100 100, and one tow up to 200
Jump start and replacement Yes Yes Yes, plus $25 off on an AAA battery
Fuel delivery service Free except for fuel Free including enough fuel to reach nearest filling station Free including enough fuel to reach nearest filling station
Flat tire service including spare Yes Yes Yes
Vehicle emergency lock and key cost maximum reimbursement $50 $100 $150
Approved auto repair network discount on labor 10% up to $50 10% up to $50 10% up to $50
Hertz maximum discount on rental car 20% 20% Free for one day
Monthly cost (based on 11238 zip code) $4.27 $6.77 $8.99
Annual cost (based on 11238 zip code) $39.20 $69.30 $95.90
Annual savings (based on 11238 zip code) $12.04 $11.94 $11.98

Note that the cost to join AAA varies depending on where you live in the country. You’ll also receive different membership perks at each level. Be sure to factor in the cost of AAA membership when comparing insurance premiums.


AAA offers a wide range of discounts to help you save on your premiums.

Discount Qualifications Discount
Safe driver discount Have few accidents or tickets on your driving history Up to 20%
Driver training discount Take a safe driving course 5%
Multi-car discount Insure two or more vehicles on the same AA policy Up to 27%
Mileage tracking discount Allow AAA to track your mileage and adjust your rate based on how much you drive Up to 19 %
Loyalty discount Stay with AAA for at least one year 6%
Student away from home discount Attend school at least 100 miles from home and do not keep your vehicle at school 47%
Good student discount Receive a GPA of at least 3.0 as a high school or full-time college student 14%
Professional discount Show proof that you work in either engineering, law, medicine, accounting, or education 7%
Anti-theft discount Install modern anti-theft devices in your car 25%
Multi-policy discount Carry multiple types of insurance from AAA (like renters, condo, or homeowners insurance) Varies
Paperless bill pay discount Opt out of paper bills and receive your bills online $10 off membership
New-car discount Be the original owner of your car 5%
Paid in full discount Pay for your policy in full in advance of your term period 5%

Like benefits, specific discounts can vary based on your location. Be sure to enter your ZIP code so that AAA can direct you to the site with information on your region.

Favorite Features

Top-Notch Roadside Assistance

AAA has offered its well-known roadside assistance program for over 100 years. Roadside assistance is an insurance product included in your baseline AAA membership, similar to how other insurance providers offer roadside assistance as an add-on coverage.

AAA roadside assistance includes the following services:

  • Towing
  • Flat tire changes
  • Fuel delivery
  • Car battery jumps
  • Locksmith services
  • Winching
  • Mechanical first aid

AAA roadside assistance will help you 24 hours a day, seven days a week across the U.S. and Canada. Basic AAA membership includes four service calls per year, but you can upgrade your membership tier to access more calls, additional services, and higher coverage limits for meals or lodging.

Did You Know?

You can request AAA roadside assistance no matter what vehicle you are in, including rental cars.

Excess MedPay

AAA insurance includes medical payments coverage, a standard insurance offering that pays for expenses like hospital bills up to a specified amount, regardless of who is at fault in an accident. It covers ambulance fees and funeral costs as well. AAA calls this type of coverage MedPay1.

What makes AAA insurance unique is that the company offers a feature called excess MedPay. Excess MedPay pays for healthcare costs resulting from an accident after your health insurance and standard MedPay coverage have reached their limits. This is useful if you worry about the limits of your existing coverage and want to ensure that your assets are safe after an incident.

Loyalty Perks

  • Small insurance claim forgiveness: This ensures that your premiums will not increase due to a small accident (under $250 if you were at fault in an accident, and under $750 if you weren’t at fault).
  • Full claim forgiveness: This allows you to remove any claim, no matter the size, from your insurance record after you’ve been insured with AAA for five years.
  • Renewal bonuses: You’ll get a $50 credit upon your policy renewal at the end of each term. Your deductible will shrink by $50 for each claim-free policy term, as well.


You can save money by streamlining your insurance coverages under one roof. AAA offers many different types of insurance besides auto coverage:

  • Commercial auto insurance
  • Motorcycle insurance
  • Life insurance
  • Health insurance
  • Dental insurance
  • Home insurance
  • Condo insurance
  • Renters insurance
  • Umbrella insurance
  • Boat & RV insurance
  • Collector car insurance
  • General liability insurance
  • Business owners’ policy insurance
  • Workers compensation insurance
  • Professional liability insurance
  • Cyber liability insurance

AAA provides different types of insurance depending on your location. Be sure to check to see what’s available in your area. If you consolidate your coverages with AAA, you’ll save big on premiums and time.

Student Savings

If you are a student, you know that school expenses mean that every dollar counts. AAA is a great option for students, balancing quality coverage with multiple ways to save. As a student, you’ll earn discounts for the following actions:

  • Achieving good grades: High school or full-time college students earn discounts if they have GPAs of at least 3.0.
  • Living away from home: Policyholders receive discounts if they are students living at least 100 miles from home without cars.
  • Taking a teen driver safety course: Teens that complete AAA-approved driver safety courses get discounts and learn to be safer drivers. Learn how to add a teen to your policy.

Best of all, you can continue to earn discounts after you graduate, if you become a member of select college or university alumni associations. Get an insurance quote from AAA directly to get a better idea of what you’ll pay, whether you want full coverage insurance, gap insurance, collision coverage, or comprehensive coverage.


AAA is available in every state in the country, plus Puerto Rico and Washington, D.C. No matter where you live, you’re eligible for membership.

Be aware that when you buy insurance through AAA, you’re purchasing directly from one of over 50 individual affiliate businesses under the AAA family. The business that insures you depends on your location. For example, AAA Arizona insures Arizonans, while AAA MountainWest insures Alaskans, Montanans, and Wyomingites.


There are different AAA auto clubs in different regions of the U.S. that offer slightly different services. The one you have access to depends on where you live.

Cancellation Policy

You can cancel your AAA policies in multiple ways:

  • Tell the agent that you purchased insurance from that you want to cancel.
  • Cancel over the phone by calling 877-387-8378 and speaking to a customer service representative.
  • Go to a local AAA office to cancel in person.

No matter how you cancel, you’ll need to provide your name, policy number, and the date you want your policy to end. Note that you cannot cancel AAA insurance online.

If you prepaid for your insurance premium, AAA will refund the unused portion. The company does not disclose whether it charges cancellation fees — check the specifics of your policy to learn more.

Company Background

AAA, which stands for Automobile Association of America, traces its history almost as far back as the car itself. Founded in 1902 in Chicago, IL, AAA originally created maps and travel guides for early road trippers at a time when car infrastructure was lacking. The company soon expanded to high school driving curricula and safety programs, as well as insurance offerings. For a time, AAA officiated auto racing championships throughout the country, as well.

AAA has weathered multiple crises and supported its country during difficult times. During World War II, AAA contributed to the war effort by consulting the U.S. government in transportation planning.

Additionally, it helped promote conservation during wartime shortages by supporting synthetic rubber manufacturing and helping to create a pipeline of auto mechanics. During the oil crisis of the 1970s, AAA created a report to help motorists find gas stations that had fuel and were open. The company later chaired a task force on gas rationing.

Today, AAA operates thousands of travel agencies nationwide. AAA’s 57 million members receive discounts, hotel and restaurant ratings, DMV services, roadside assistance, and access to insurance products. As in the past, the company continues to support motorists by providing logistical support and lobbying for improved infrastructure.

AAA Contact Information

The AAA branch you contact depends on where you live and which club provides your insurance. You can enter your zip code on AAA’s website to find the contact information specific to your location.

At the national level, AAA has different contact numbers depending on your needs. This helps the company direct your call and serve you most efficiently, saving you time and energy. Here are the numbers you can contact for AAA National:

Department Number
Road service (24 hours a day, 7 days a week) (800) 222-4357
Membership services (800) 222-8252
Financial services (800) 793-0508
Insurance sales (866) 222-7871
Insurance customer service (800) 222-4242
Travel services (800) 222-7448
General inquiries (800) 222-8252


AAA insurance is a great option for many drivers across the country. Do your research to see if AAA is the right option for you and your family. Check out our full AAA insurance review to learn more.

Frequently Asked Questions

Does AAA roadside assistance include RVs?

AAA roadside assistance coverage extends to RVs and trailers at the highest level of coverage, Premier. Lower levels do not include RV towing.

Can I add non-AAA family members to AAA insurance coverage?

AAA requires at least one driver of the vehicle applying for coverage to be a AAA member. The company covers non-members that share a policy with that member. You can add associate members to your AAA club membership, giving them access to full AAA benefits.

How do I request AAA roadside assistance?

You can request AAA roadside assistance in several ways:

  • Use the company’s mobile app.
  • Fill out AAA’s digital roadside request form on its website.
  • Text HELP to 800-222-4357.
  • Call 800-222-4357.
  • Ask for AAA roadside assistance from Amazon Alexa or Google Assistant


  1. What is Car Insurance Medical Payments (MedPay) Coverage. AAA. (2022, Mar).